Equifax: Analytic Dataset

Anonymized, non-aggregated granular consumer-level data across all asset classes

Description:

Analytic Dataset provides granular, loan-level data across credit cycles and asset classes, including auto, credit card, mortgage, student loans, and unsecured personal loans to more accurately predict future performance. It is created from an unbiased ten percent statistical sample of the U.S. credit active population across all geographic boundaries, with historic data starting in 2005.

It provides insights into the credit health and payment performance of U.S. consumers over time and across various economic cycles, enabling investors and other market participants to better model delinquency, default, loss severity and prepayment as well as more accurately value securities.

Analytic Dataset includes an anonymous consumer identifier enabling users to link behavior of the same consumers over time. Analytic dataset enables users to track changes in consumers’ mailing address zip codes through time. It also includes a scrambled account number enabling users to link performance of each loan over time.

The data is updated monthly with new credit entrants to mirror the credit population.

Few of the fields Included:
– Credit risk score
– Age range
– Geography
– Account type
– Debt balance
– Delinquency status
– Consumer income score
– Inquiries

The Analytic dataset data dictionary can be downloaded from here: https://assets.equifax.com/mkt-legal/Analytic_Dataset_Layout.xlsx

About the Provider:

Equifax believes knowledge drives progress. We blend unique data, analytics, and technology with a passion for serving customers globally, to create insights that power decisions to move people forward. We offer data and solutions across the customer journey, enabling business customers to discover market opportunities and trends, acquire and manage customers, and optimize recovery efforts.

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