Business Need Focus

Learn About Our House at PHADA 2016

Join Equifax May 22-24 at the 2016 PHADA convention at Planet Hollywood in Las Vegas where we will be highlighting our latest insights that equip Housing Agencies with verified income and employment data to improve rental integrity results. The Work Number® database, owned by Equifax, is the largest central source of consolidated employment and income [Read More…]

April 2016 Briefly: An Unemployment Case Analysis

Background The claimant retired a few months after receiving a new manager. The claimant was disqualified from benefits upon a finding that she quit without good cause connected with the work.  The claimant appealed, and a hearing was scheduled before an administrative law judge. At the Hearing The Claimant’s Evidence:  The claimant, a government worker, [Read More…]

Robust, real-time solution helps to streamline income and employment verification for mortgage loans

Lenders can simplify processing of high-quality mortgage loans — and close more of them. Today’s documentation process for mortgage approval may be best described as “rigorous.” The list of what’s needed to qualify for and process a loan stretches to 10 (or more) required documents — from an official photo ID (simple) to two years [Read More…]

Did You Know: The Great Wealth Divide

Everyone’s heard of the 80/20 rule – 80% of the money is held by 20% of the people. Well, we wanted to put that adage to the test and see just how big the divide is between the Mass Market (less than $100,000 in investable assets per household) and Ultra High Net Worth (more than [Read More…]

When is “Knowledge-Based” not Assured Authentication?

Knowledge based authentication (KBA) has been declared dead many times over the past few years.  But what is KBA and what exactly is the problem?  KBA is a term that has been used too generically across the identity universe and different providers get away with using the term to refer to vastly different levels of [Read More…]

ACA Compliance in the M&A Environment

There is no shortage of ways that the Affordable Care Act (ACA) has impacted the legal landscape for employers of all sizes.  ACA compliance is riddled with possible penalties and warrants an even greater consideration for organizations involved in or that are considering a merger or an acquisition (M&A).  Why? When it comes to complying [Read More…]

What’s Next for ACA: Subsidy Notifications and Appeals

Webinar:  Tuesday, May 3rd at 2:00 EDT With 1095s out the door, the next Affordable Care Act (ACA) compliance hurdle employers face is managing subsidy notifications and appeals. Because subsidies, also referred to as Advanced Premium Tax Credits, are the trigger for penalties, it’s important to be prepared to handle the flood of notifications that the [Read More…]

Is Loyalty a One-way Street?

When a restaurant chain talks of its loyalty program, what does that mean? Is it enough to be loyal, or are there other factors at play when it comes to a diner choosing where they eat? How does this loyalty change if something about the restaurant changes? If a restaurant has to raise its prices, [Read More…]

Pattern Detection and Data Anaytics Play a Vital Role in Fraud Management

Most organizations are no stranger to the concept of data analytics and behavioral patterns to detect fraud. After all, those sorts have analytics have been applied to internal data and transaction monitoring systems for years. However, the ability to spot fraud patterns is often limited only to what can be detected within the organizations’ walls. Fraud experts agree [Read More…]