Delivers better predictive consumer data for fast, well-informed decisions <br> <br><i><u>This is for U.S. use only</i></u>

The Equifax Consumer Credit Report is the leading consumer credit resource enabling lenders to make faster, more informed credit-granting decisions, better manage their risk and maximize growth opportunities. The Consumer Credit Report unites the power of superior consumer data with best-in-class search and match logic capabilities to deliver higher match rates on more inquiries. The Consumer Credit Report combines unmatched delivery speed and data integrity to drive more confident decisions that help build your business.

Benefits

INCREASES
Increase Revenue
By streamlining acquisition processes and targeted cross-sell and up-sell campaigns
Fraud
Prevent fraud and risk
By quickly identifying high-risk consumers
AcctManagement
Strengthen account management
By using the most comprehensive, accurate and up-to-date insight available, including trended data at any point in the consumer lifecycle.

Key Features

    • circled-check
      Reduce credit risk with access to a consumer’s trade information, public records, and inquiries
    • circled-check
      Maximize decision making with optional scoring models and fraud protection tools
    • circled-check
      Reduce application fraud by accessing the consumer’s identification and employment information

Use Cases

The Consumer Credit Report is for businesses that need to:

  • Determine credit worthiness of new customers for the purposes of making lending decisions, new employment verifications, insurability, utility and telecommunications account acquisitions, and more

  • Make quick, actionable account acquisition decisions

  • Deepen a consumer’s relationship with cross-sell/up-sell opportunities

  • Determine credit worthiness of new customers for the purposes of making lending decisions, new employment verifications and insurability

  • Develop marketing programs with prescreen and prequalification


Types of businesses and industries that use The Consumer Credit Report include:
  • Lenders
    • Financial Institutions 
    • Banks
    • Credit Unions
    • Fintechs
    • Mortgage 
    • Auto
  • Auto dealers
  • Insurers
  • Government
  • Utilities
  • Communications

To view API Reference you must be logged in.
To view Additional API Docs you must be logged in.