By applying financial durability measures to accounts that are considered for a credit line increase, lenders can find HIDDEN ACCOUNTS that may warrant the increase, as well as those that might be FILTERED OUT – even among accounts with the same credit score.
Key Benefits for Lenders:
- Expand audience for credit line increase, while managing risk
- Increase card/credit utilization among borrowers that are most likely to have financial resources to meet commitments
- Protect segment of borrowers from over-extending financially
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Data is for illustrative purposes only. Results may vary based on actual data and situation. Financial durability measures were not developed or intended to be used for the extension of credit to any individual, nor may they be used for purposes of determining an individual's creditworthiness or for any other purpose contemplated under the Fair Credit Reporting Act, 15 U.S.C. § 1681 et seq.