Credit Risk & Affordability

Effectively manage credit risk and confidently grow your portfolio

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.

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.

Origination:

Expand access to credit with confidence

  • Streamline decisions while mitigating fraud
  • Automate decisioning and enhance customer experiences

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

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
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