Optimize Customer Relationships

Trended Data – Minimize Risk and Head-Off Default

Today’s static consumer credit profile provides a limited understanding of financial behaviors and risk profiles. Delivering a more dynamic view of consumers, trended data helps you see the trajectory of spending and repayment behaviors by analyzing consumers’ financial behaviors over a set period of time. Compared to the static snapshot view you get from a [Read More…]

Faced With Cautious Affluent Consumers, Nimble Marketing Matters

At the start of the year, it’s generally standard practice for marketing organizations to do a postmortem on the previous year and think about how they’re going to apply their learnings to the year ahead. But 2017 has the potential to be a very different year, as the U.S. undergoes a political transition that could [Read More…]

Register Now: Q1 U.S. Economic and Credit Trends Outlook Webinar from Equifax

Make more informed decisions with economic and consumer credit insights from Equifax Equifax is proud to introduce a new quarterly webinar series aimed at helping you make more informed decisions, with economic and consumer credit trends from across the U.S. Register Now Join Equifax Tuesday, February 28, 2017 at 1:00 pm ET as Chief Economist [Read More…]

2016 Resource Round-Up: Insights at Your Fingertips

Equifax shares a number of resources created to help you grow and protect your business 2016 was an exciting and eventful year across the financial services industry. As we prepare for the year ahead, we wanted to provide a look-back at the many resources created to support your business in the past year. In the [Read More…]

AFSA & NADA: A Successful Week with Auto Lenders and Dealers

Last week, our auto experts headed to New Orleans, LA for two large shows –the American Financial Services Association (AFSA) Vehicle Expo & Conference and the National Automobile Dealer Association (NADA) conference. During the conferences, we were asked to share our insights on some key issues impacting the industry and introduced product integrations that will [Read More…]

Trended Data – Drive Profitable Growth While Minimizing Risk

Trended data can help businesses strengthen marketing and risk management strategies, driving more profitable business growth while minimizing risk. Having deep insights into a consumer’s financial profile and behaviors over time can improve risk and marketing performance beyond the static measures used today. Incorporating trended data into your marketing efforts can help expand your universe [Read More…]

Why ‘Stickiness’ Should Become A Major Component Of Affluent Marketing

In an era with more media options, more advertising, and more consumer choice than ever before, brands find themselves in intense competition for customer dollars and loyalty. Faced with so many available options, consumers’ buying decisions are less predictable than they were in the past, largely because cost is not always the primary concern. Given [Read More…]

Trended Data – Impact on Credit Decisions

In a previous post – Trended Data – Becoming Mainstream, we defined trended data and shared how the use of trended financial data is becoming mainstream in the mortgage industry. In this post, we’ll share an example of how a lender might use trended data in their everyday decision-making process. As a reminder, trended data [Read More…]

Bank Marketing: The ‘To-Do’ List Has Gotten a Lot Longer

Bank marketing has gotten a lot more complicated in the last 15 years. It used to be that a bank marketing team might consider that they were doing a good job if they sent a few direct-mail pieces promoting new product options, assisted with publicity for new branch openings, and organized some market research around [Read More…]

How Planning For Attribution Sets Up Holiday Season Success

The fourth quarter is always the busiest time for consumer marketers. They spend more on media and, in theory, they drive more money through increased holiday sales. This may result in high ROI, but in today’s fractured media landscape, a marketer needs to go much further to better understand how each channel affected the affluent [Read More…]