Equifax: Financial Services Data & Analytics Suite

Differentiated financial services data for exploration, analytics and modeling

Description:

As a lender and or financial services provider, you need to better understand the potential impact of today’s dynamic environment on your portfolios and model strategies so you can knowledgeably respond to the rapidly changing environment.

With the Financial Services Data & Analytics Suite, Equifax is enabling advanced credit analytics with quick and easy access to curated datasets that allow you to explore both traditional and alternative Equifax data and tools tailored to your specific industry and needs.

Now, you can test and analyze more unique data to understand market and peer performance, expand your pool of prospects to say ‘yes’ more, optimize models, accelerate speed to market, minimize risk, and inform a variety of strategic planning decisions.

You’ll have access to:
– an extensive repository of differentiated data and attributes—both trended and point-in-time—across an array of traditional and alternative sources such as credit, specialty finance, utilities and telecom, wealth and assets, bank transactions, and property
– powerful scoring models that help predict bankruptcy, delinquency, and consumer debt-to-income (DTI)
– five years of monthly data archives

We offer a fully configurable suite of data and analytics solutions that can be combined in whatever way you need to fit your specific use case. Options within the suite include:

**Consumer Credit Data**
– Tradelines – raw account-level data
– Credit attributes – point-in-time attributes covering delinquency, ability to pay, and more
– Trended attributes – ~780 attributes revealing credit behavior trends over time
– Credit trends – aggregated credit data with vintage-level tracking/performance to measure market changes and trends over time
– Delinquency scores -VantageScore 4, Equifax Risk Score and FICO Score
– Bankruptcy score – Bankruptcy Navigator Index 5
– Income scores – Consumer IncomeView and Enhanced Debt-to-Income

**Alternative Consumer Data**
– Alternative attributes – attributes derived from telecom and utility account history, and specialty finance/short term loans
– Wealth and assets – estimated financial measures incl. income, ability to pay, financial durability, credit needs and usage, and discretionary spending
– Delinquency scores – includes alternative data sources to increase predictiveness; credit card version and personal loan version
– Short-term loan prescreen model – estimates likelihood consumer is in market for a short term loan
– Property data – property valuation insights that factor into consumer net worth

**Business/Commercial Data**
– Credit Data – business firmographics, account-level credit obligations and payment history, owners/guarantors
– Marketing Data – business firmographics, contacts, corporate linkages/affiliations, revenue, industry, diversity, and more

Multiple package options available:
Trial sample – 1% random sample with no data refresh
Lite package – 10% random sample with monthly refresh
Standard package – 100% US population with monthly refresh
Append package – 100% custom append to your input file with monthly refresh

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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