Equifax Inc.
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Multi-channel Prescreen helps credit and insurance marketers gain flexibility in how they choose to execute their campaigns and connect with their audiences. We commonly work with digital agencies to onboard Prescreen direct mail and email lists for use in digital marketing and to coordinate digital execution. In today’s connected world, credit marketers can leverage Multi-channel Prescreen to digitize their prescreen marketing strategy, better engage and convert Prescreen audiences, and speed campaign results
Many consumers have chosen to lock or freeze their credit, resulting in lenders having a tough time getting their hands on consumer credit data when they need it most. Allow Access is an innovative API solution to help lenders overcome these obstacles. By seamlessly integrating Allow Access into your existing lending application process, you can enable consumers to unlock or unfreeze their Equifax credit report directly within your platform. This streamlined approach reduces friction within the credit application process, enhances the consumer experience, and helps you serve consumers that are seeking new credit or other services.
OneScore for Commercial is able to more accurately predict delinquencies through in-depth modeling by utilizing the power of the commercial credit database from Equifax, including the Commercial Financial Network from Equifax, trended data, public records, firmographic and non-financial information. OneScore for Commercial unites the latest data assets from Equifax and technological innovations together, to create one of the best commercial delinquency scores in the market: - Unparalleled data assets: Commercial financial network, trended data, public records, firmographic data and more - Configurable solution: 12 industry specific scorecards stemming from NAICS (North American Industry Classification System) and SIC (Standard Industrial Classification) codes - Cutting edge analytics: Utilize patented NeuroDecision™ technology - Extensive coverage: Allowing credit invisibles to access credit By the numbers: - As many as 50% more applications scored - 15-20% potential increase in approved applications
Pre-Approval of One allows consumers to initiate an application for credit with no impact to their credit score (soft-inquiry). Lender evaluates applicant’s creditworthiness and offers a commitment to lend, subject only to collateral requirements or conditions. A hard inquiry will be posted if the consumer moves forward with taking the pre-approved offer and meets the conditional credit requirements.Benefits:- Help Reduce Consumer Abandonment - Create a single, low-friction experience for credit seekers as well as credit applicants- Streamline the PII Ingest Process - Help boost take rates by collecting all the information that you need to underwrite the consumer at the time of ingest- Increase Stickiness - Establish consumer expectations and acknowledging they are valued by reducing their time commitment in the application process
FraudIQ® Synthetic ID Alerts – part of our FraudIQ integrated suite of identity verification, authentication, and fraud detection solutions – can help protect your business from losses associated with synthetic identity fraud. Delivered in batch or real-time, the alerts use patent-pending machine-learning algorithms to detect synthetic identity behaviors and patterns at various entry points. Key benefits: - Leverage more actionable insights while maintaining low false positive rates - Evaluate various patterns with advanced matching logic, such as authorized user/credit abuse, ID discrepancies, fraud/ID manipulations - Analyze potential synthetic ID behaviors and patterns revealed by reliable, multi-dimensional data sources - Better assess portfolio-specific risk, such as Credit Card, Automotive, Communications/Utilities, Personal Loans - Get efficient, real-time responses to suspicious user activity
Digital Identity Trust helps businesses verify identity information provided by a consumer is legitimate using insights from multi-dimensional data sources, including phone number, email and mobile device verification. Digital Identity Trust is for businesses that want ease and convenience in: - Using real-time verification of the consumer’s phone, email and device either standalone or as part of a layered risk mitigation strategy - Conducting passive verification checks to establish trust in the identity and digital information - Obtaining additional indicators to assess potential fraud - Implementing risk mitigation that can be paired with other identity solutions - Reducing friction and improving consumer experience while still effectively evaluating risk - Establishing trust in the consumer identity, the channels they are using and the correlating digital insights - Evaluating future interactions for anomalies before instituting more friction-filled authentication measures
Equifax's ACA HQ is a comprehensive solution designed to assist organizations of all sizes in managing Affordable Care Act (ACA) compliance and reporting requirements. This full-service platform simplifies the complexities associated with ACA regulations, enabling employers to effectively track employee eligibility, ensure coverage affordability, and generate accurate Forms 1095 and 1094 for IRS submission. Key Features and Functionality: - Eligibility and Affordability Calculations: Automates the assessment of employee eligibility and calculates coverage affordability, helping employers determine optimal safe harbor provisions for diverse employee populations. - Flexible Data Management: Supports various data scenarios, including multiple Applicable Large Employers (ALEs), non-employee classifications, and mergers and acquisitions, ensuring adaptability to organizational changes. - Audit Preparedness: Creates a comprehensive audit trail and tracks approvals and submissions, simplifying and expediting IRS audit responses. - Alerts and Analytics: Provides proactive alerts and analytics to identify potential compliance risks, enabling timely corrective actions to avoid penalties. Primary Value and User Solutions: ACA HQ addresses the challenges employers face in navigating the intricate ACA landscape by offering an integrated, automated platform that reduces administrative burdens and minimizes compliance risks. By streamlining data management, eligibility tracking, and reporting processes, ACA HQ empowers organizations to maintain compliance with confidence, thereby safeguarding against potential penalties and enhancing overall operational efficiency.
Get the most out of the Work Opportunity Tax Credit (WOTC). Tap our proprietary technology to help simplify the process, identify more WOTC eligible employees, and capture more tax credits for your company.
Equifax Inc. Reviews
Jenna L.
Effortless Implementation, Enhanced Client Insights
Methan O.
Streamlining origination model development and deployment within a single environment
Sasha G.
Tailored Support That Truly Delivers
About
What is Equifax Inc.?
At Equifax, our innovative data products and solutions help fintechs find and acquire the right customers, reduce fraud risk, and accomplish more with cloud-native technology and customer insights.