Calculate lending risk with the Equifax Risk Score 2.0. With an extensive database of currently reported mortgage and credit data, Equifax Risk Score 2.0 is our most advanced risk prediction tool yet, giving you insight that predicts consumer behaviour in today’s economic climate. Equifax Risk Score 2.0 predicts the likelihood of your customers or prospects going 90+ days delinquent within 12 months. But beyond that, with a clear ‘reason code’ system, you can see exactly why and how a customer achieved their ranking, and tailor your credit decision process to match. Automatically approve applicants with low delinquency risk. Accelerate your credit decision-making process thanks to a clear, impartial scoring system. Implement risk policies to deal with consumer behaviour at all levels of the credit lifecycle with our scorecard indicator. With Equifax Risk Score, you get predictive perspective that helps speed credit decisions.