Account/Portfolio Management

002In today's highly competitive market, it's important for you to identify cross-sell/retention opportunities within your portfolio and monitor the effectiveness of current risk strategies. Equifax offers cost-effective portfolio services that prove to be a great fit for mortgage lenders of any size.

What's the Benefit to Your Business?

  • Enhance your target marketing and portfolio management with:

    • Custom solutions that provide a finer level of prospect and customer segmentation
    • Valuable insight derived from our consumer and commercial data
  • Better assess declining property values and degrading consumer credit health with:

    • Timely and relevant property valuation data/analytics for use throughout the entire mortgage loan lifecycle
  • Better predict future behavior and benchmark past performance of your mortgage accounts with:

  • Enhance your target marketing and portfolio management with:

    • Custom solutions that provide a finer level of prospect and customer segmentation
  • Make more informed business decisions with:

    • Comprehensive, pre-aggregated sets of mortgage credit attributes that can be used for internal analytics and data warehousing
    • Credit, economic and demographic information based on more than 200 series of credit and economic data through CreditForecast.com
  • Solve increasingly complex business problems with:

    • A team of consultants experienced in the design, development, implementation and use of custom and generic analytical solutions for the mortgage industry
Products and Services
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Portfolio Retention is a batch processing system triggered by a flag placed on the consumer’s file.
Bankruptcy Navigator Index 3.0 (BNI) is a powerful analytical tool designed to identify consumer bankruptcy risk at an early stage — before you experience losses.
BEACON 09 predicts the likelihood that an existing account or potential credit customer will become a serious credit risk within 24 months after scoring.
BEACON 09 Mortgage Industry Option adjusts the BEACON 09 credit risk assessment score, adding or subtracting points according to predictive information specific to the mortgage industry.
Credit Capacity Index (CCI) is a patent-pending innovation that offers lenders an effective means to measure consumers' ability to take on incremental debt.
CreditForecast.com provides a web-based single source for consumer credit, economic and demographic data, plus multiple scenario-based forecasts and insightful industry analysis for the nation and local regions.
FICO Economic Impact Index (FICO EII) derives the empirical relationship between the Beacon 09 score’s odds-to-score relationship and changes in future macro-economic conditions.
Mortgage Consumer Modeling Attributes help you gain valuable insight into mortgage-related consumer credit behavior — allowing you to better predict future behavior and benchmark past performance of your mortgage accounts.