Credit Risk & Affordability

Effectively manage credit risk and confidently grow your portfolio

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Our Credit Risk Solutions

To make the right decision for your customers you need accurate insight and that’s what Equifax does best. We capture 32 billion interactions and 55 million pieces of identity data each year to create one of the largest and most robust sources of consumer and commercial credit data in the UK. Add multiple layers of insight from banking transaction data and you can build a complete view of your customers and be confident you’re making the right credit decision every time.

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What Sets Us Apart

Data Intelligence
Extract key intelligence from our vast data set to help you explore new opportunities and manage existing risks with confidence.
Deep customer Insight
Go beyond the credit report with bank transaction insight that improves credit risk scorecard effectiveness by up to 20%.¹
Cloud based infrastructure
Easy and flexible access to our huge data assets. Standalone or plugged seamlessly into your existing systems and platforms.
¹The Digital Future of Finance and Credit Risk, the 2021 Open Banking Research report, Equifax.

Make the Right Credit Risk Decision at Every Stage of the Lending Lifecycle

Our unique data and insight helps credit risk professionals better assess and manage risk across the entire credit lifecycle
Prospecting:
  • Find new customers to grow your portfolio
  • Focus your resources in the right places to maximise ROI
  • Layer on alternative data to increase approval rates

Origination:
  • Expand access to credit with confidence
  • Streamline decisions while mitigating fraud
  • Automate decisioning and enhance customer experiences

Account Management:
  • Stay ahead of emerging risk
  • Retain your best customers, prevent delinquency, and manage collections
  • Cross-sell and upsell with the right offers and terms

Make the Right Decision for Every Customer

Consumer Data

Our vast consumer data sets combined with the predictive power of our scores and tools, offer credit providers unrivalled clarity of their customers creditworthiness. Make transparent and responsible lending decisions as well as increasing acceptance rates and reducing bad debt provision.
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Open Banking

Get accurate, up to date transaction data and make smarter, personalised credit decisions for your customers. Whether it’s faster onboarding, document sourcing or improved income verification and affordability assessments, Open Banking can help create better outcomes for your customers via a smooth and more inclusive customer experience.
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Commercial Data

Our commercial credit data is a powerful combination of traditional business data, Director consumer credit data and real time bank transaction data. Offering a comprehensive view of the company, it’s directors and the combined financials you’ll have unprecedented insight of your clients throughout their lifecycle with your business.
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Find Products & Solutions

What Can We Help You Do?

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Speak to our team and discover how our credit risk and affordability solutions can help you.
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Explore our Solutions

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