Products and Services Custom Consulting & Analytics

Bankruptcy Navigator Index (BNI)

For companies looking to identify different levels of risk in order to make sound credit decisions.

Predicts the likelihood of a consumer becoming bankrupt within the next 24 months.  Our latest release places special emphasis on the prediction of bankruptcy on high value accounts helping lenders reduce losses by better identifying large balance bankruptcies. BNI can be validated over 12 or 24-months to compare with other scores.

Canadian Auto Risk Score (CARS)

For companies that make auto financing transactions.

An accurate predictive tool to use in decision-making with auto loan or lease applications

Canadian Income Predictor (CIP)

For companies looking to be more precise and confident in delivering targeted marketing efforts.

Estimate a consumer’s financial potential, enabling your business to be more precise — and confident — in delivering targeted marketing efforts.

Emergent Score

For companies looking to identify different levels of risk in order to make sound credit decisions.

Identify which of your near-prime consumers have a greater potential to evolve into responsible and loyal customers, without increasing your risk.

Equifax Risk Score

For companies looking to identify different levels of risk in order to make sound credit decisions.

Our most advanced and most accurate solution to evaluate a consumer’s likelihood of 90+ day delinquency within the following 12 months, thereby reducing your credit-lending risk.

BEACON

For companies looking to identify different levels of risk in order to make sound credit decisions.
 

Evaluate a consumer’s likelihood of 90+ day delinquency within the following 24 months, thereby reducing your credit-lending risk.

No Hit No Score (NHNS)

For companies looking to identify different levels of risk in order to make sound credit decisions.

Gain the confidence to make informative credit-lending decisions on consumers new to the Canadian market, including 18-24 year olds and recent immigrants.

Portfolio Forecasting & StressTesting Solution

Medium to large size companies looking to protect their business from economic uncertainty.

Protects your business from economic uncertainty by forecasting events that may impact your portfolio and identifying potential vulnerabilities.

Custom Models & Scores

Medium to large size companies looking for custom models tailored to their unique business.

Be more competitive with custom business models and solutions that are tailored specifically for your unique business by the Equifax Analytics Consulting Team.

Portfolio Insights

Medium to large size companies looking to gain an in-depth insight into their credit portfolio.

Gain an in-depth insight into your credit portfolio as it relates to the rest of the Canadian consumer credit market.

Commercial Delinquency Score (CDS)

For companies looking to identify different levels of risk in order to make sound credit decisions.

A risk scoring model that predicts the likelihood that a company will be severely delinquent in paying its bills over the next 12 months.

Business Failure Risk Score (BFRS)

For companies looking to identify different levels of risk in order to make sound credit decisions.

A risk scoring model that predicts the likelihood that a company will cease doing business in the next 12 months, resulting in losses for its creditors.

Credit Information and Payment Index (CI/PI)

For companies looking to identify different levels of risk in order to make sound credit decisions.

An empirical assessment of a company’s current risk level using a variety of factors from public and proprietary sources (CI), plus measures of the payment habits of a company (PI).