Products and Services for Retail Credit Grantors

Data Attribute Service

For risk and marketing managers looking to improve customer segmentation.

Improves customer segmentation efforts by enriching your customer database with Equifax’s extensive, value-added data.

Consumer Credit File

Credit granting companies.

Displays information of consumer credit and payment activities.

Corporate Data Breach Assistance

Companies that make credit decisions and are concerned about fraud.

An Equifax support solution specifically designed to address the impact of a breach and to help you recover when your data is compromised.

AgePoint

Companies that need to quickly confirm age and address.

Quickly establish the age and address of your web-based consumers for prompt approval of online orders and transactions.

Gemini

Companies that make credit decisions and are concerned about fraud.

A statistical model that produces a three-digit risk score predicting the likelihood of identity deception or 'application fraud.

SafeScan

Companies that make credit decisions and are concerned about fraud.

An early-warning protection system that helps you combat credit application fraud.

SafeScan ID

Companies that make credit decisions and are concerned about fraud.

Adds to the power of SafeScan by referencing Info-Direct’s™ comprehensive residential and business telephone directory and Equifax’s extensive consumer credit database.

Portfolio Management Services

Mid to large size companies that want to automate their account monitoring capabilities.

Automate your account-monitoring capabilities to streamline your review process and accurately identify both premium and high-risk customers.

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.

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.

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.

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.