Case Studies & Use Cases

  • Identify hidden risk within a customer portfolio

    Identify hidden risk within a customer portfolio

    Better understand accounts with the most risk of non-payment during economic hardship. Equifax Financial Durability assessment identifies consumers who are 10x more likely to have a Non-Pay Disconnect

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  • Fine-tune targeting criteria to reach homeowners seeking cash

    Fine-tune targeting criteria to reach homeowners seeking cash

    Alt-fi company asks Equifax for help analyzing criteria to qualify homeowners seeking cash for ITA outreach campaign. Solution: more robust / granular geographic targeting with 15% lift in response.

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  • Tackling fraud initiated through authorized user abuse

    Tackling fraud initiated through authorized user abuse

    Minimize fraud losses due to synthetic identity accounts

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  • Enhance portfolio management process with Smart Alerts

    Enhance portfolio management process with Smart Alerts

    A credit issuer increased frequency of account reviews to better assess risk

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  • Monitor current accounts for changes in employment

    Monitor current accounts for changes in employment

    Equifax helps support managing portfolio risk by monitoring current accounts for changes in employment.

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  • Auto lenders evaluate health of securitized debt for sub-prime portfolio

    Auto lenders evaluate health of securitized debt for sub-prime portfolio

    Auto lender turns to Equifax to examine its securitized subprime lending portfolio in order to maintain relationship with investor.

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  • Proactively identify changes in current customer risk

    Proactively identify changes in current customer risk

    Equifax establishes timely alerts that identify potential trouble spots within its current portfolio.

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  • Companies assess the risk of portfolios to buy or sell

    Companies assess the risk of portfolios to buy or sell

    Assess the risk of portfolios companies are considering for purchase or sale.

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  •  Manage risk within current customer account portfolio

    Manage risk within current customer account portfolio

    Equifax helps assess, predict and manage risk within its current credit portfolio.

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  • Credit Unions offer members quick access to emergency loans during Coronavirus pandemic

    Credit Unions offer members quick access to emergency loans during Coronavirus pandemic

    Credit unions provide members with access to extended credit in response to Coronavirus pandemic.

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  • Financial services validate risk and acquisition models

    Financial services validate risk and acquisition models

    Equifax helps financial firms validate risk and acquisition models of a newly acquired credit card portfolio.

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  • Bank finds data to validate risk models

    Bank finds data to validate risk models

    Banks use Equifax data to validate risk models for new account openings.

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  • Enhance models to expand Prescreen audience

    Enhance models to expand Prescreen audience

    Solution to deepen Prescreen audience without creating additional risk

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  • Reduce friction and improve outcomes during acquisition sales calls

    Reduce friction and improve outcomes during acquisition sales calls

    Equifax can help improve phone-based customer acquisition.

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  • Enable retailers to allow consumers to determine eligibility for credit online

    Enable retailers to allow consumers to determine eligibility for credit online

    Retailers can offer insights allowing consumers to determine their eligibility for credit online.

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  • Convert more low income consumers to apply for credit

    Convert more low income consumers to apply for credit

    An online solution to increase the number of lower income consumers that apply for credit.

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  • Enhance response rate for AltFi/Specialty Finance direct mail lending campaign

    Enhance response rate for AltFi/Specialty Finance direct mail lending campaign

    Equifax can help enhance response rate for Prescreen direct mail campaigns.

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  • Enhance consumer profiles and acquisition models before Prescreen

    Enhance consumer profiles and acquisition models before Prescreen

    Equifax assess lending to subprime, thin, and no-file consumers while still mitigating risk by enhancing consumer profiles before Prescreen.

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  • Fine-tune criteria for Prescreen campaigns to include subprime borrowers

    Fine-tune criteria for Prescreen campaigns to include subprime borrowers

    Equifax refines the criteria for its Prescreen campaigns allowing it to prospect subprime consumers while still mitigating risk.

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  • Grow outstanding loan balance with Prescreen

    Grow outstanding loan balance with Prescreen

    Market small-dollar unsecured loans to existing member base with Prescreen.

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