Business Need

Minimize Portfolio Risk

Leverage our consumer financial data and tools to enhance your account reviews and spot risk across your customer accounts.

Spot Troubled Accounts and Fraud Early

Risk management in a dynamic economy requires a deeper view of your customers’ credit health. Equifax pairs industry-leading credit data with advanced analytics to provide the actionable insights you need to protect your bottom line.

From predictive scores that help forecast financial trouble to linking technology that shows you relationships between consumer and commercial accounts, we help you quickly understand the bigger story — not just the numbers — behind your customers. You gain the power to make more confident, informed decisions that can help you drive better outcomes for both your business and your valued customers. 

 Optimize Your Account Reviews to Better Spot Risk

Be more proactive with your account management to help prevent losses across your consumer and commercial portfolios.

Manage Consumer Credit Account Risk

Analyze deep insights into the credit behaviours of your customer base to maximize portfolio health. Better identify which accounts are performing well and which may be at risk of delinquency or default using alternative data and predictive scores to provide a more complete view of customer credit profiles and strengthen your decision-making.
Make more informed decisions with predictive consumer insight.
Deeper credit and valuation drives smarter business decisions.
Help grow your portfolio by making more informed, and confident credit risk decisions.
Assess the risk of all applicants, including new-to-credit customers.
Reduce risk while responsibly expanding your lending capacity.

Manage Business Credit Account Risk

Understand the financial stability of your commercial customers and spot accounts that could be at risk of default or delinquency.
Help predict the likelihood of a company paying their bills.
Make informed lending decisions with details on your potential clients.
Help accelerate credit decisions with small business banking insights.
Get the insights to make more informed credit choices.

Boost Your Account Management to Mitigate Losses

We help lenders mitigate losses, identify accounts at risk of delinquency or default, reach out early, inform credit limits, and minimize fraud. 
Anticipate Consumer Risk
Identify which accounts are heading toward delinquency or default.
Monitor Business Vitality
Monitor the ongoing credit health of business customers throughout the credit lifecycle.
 Expand Credit Visibility
Assess risk for “thin-file” customers.

Anticipate Risk Before It Becomes Loss

We help lenders identify accounts requiring proactive outreach, enabling targeted intervention to reduce losses and improve customer outcomes.

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Verify partners, manage credit, and help reduce risk so you can lead with confidence using Equifax commercial data.

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