Consumer Credit Risk

Equifax offers New Zealand's most comprehensive credit insights and services. We understand better than anyone how to reveal the most important truths about individuals so you can protect and grow your business. You can be assured of making the best business lending and investment decisions – quickly, confidently and efficiently.

Market Overview

It’s not just about approvals, but about managing your existing customers every day.

We understand what will give you the most complete picture possible on individuals so you can make better risk management decisions.

Whether you want to create innovative products and customer experiences or improve your bottom line, you can be assured of the best experience with Equifax.

Products

CCR

CCR expands the information that credit reporters can collect and in doing so, provides a more balanced view of an individual's credit history.

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Consumer Alerts

Alerts provide you with the most recent and relevant credit information about your customers. 

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Consumer Consulting

Equifax’s advisory service is committed to assisting our customers by providing credit risk expertise drawn from a wide range of local and international markets.

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Consumer HealthCheck

Equifax’s HealthCheck service gives you visibility on the credit profile of each individual customer, in real time.

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Credit Enquiries

Equifax Score Plus is a solution designed to assist with everyday customer risk assessments.

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DataLink Manager

DataLink Manager is one of the components of our flagship Decisioning Solution DecisionPoint 3, and allows you to manage your decisioning data sources using one platform.

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Debt Recovery Score

Debt Recovery Score is a tool that predicts the likelihood of a payment being made on severely overdue accounts within the next 12 months using our bureau profiles and debtor information.

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DecisionPoint3

DecisionPoint3 is Equifax’s 3rd generation decisioning system, designed to help automate your decisioning process to enable fast and accurate decisions.

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Default Loading

Default information is loaded into our central repository, ensuring other enquirers are aware that an individual has an outstanding debt.

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eTrace

eTrace can help you keep in touch with your customer base.

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MOGOBankConnect

Make a better customer impression and slash costs on income and expense verification.

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Portfolio Review Score

Portfolio Review Score (PRS) summarises data on a customer's credit file into a single number, enabling you to instantly identify your least and most risky customers.

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Key Benefits

Our consumer credit risk solutions can help you...

  • Improve customer experience

    Streamline products and tailor approaches to better meet customer expectations.

  • Grow your lending book

    Find new, low risk customers and increase exposure to those not showing signs of financial stress.

  • Reduce bad debt

    Identify high risk applicants and receive early warning if existing customers experience financial stress.

  • Increase productivity and lower costs

    Automate more, reduce processing times, and allocate manual resources efficiently.

  • Meet responsible lending obligations

    Better understand your customers’ existing commitments and ability to service debt.

  • Transition to Comprehensive Credit Reporting (CCR)

    Make your transition less risky with Equifax experts and products that shorten your CCR project.

Contact us right now

Ready to discuss your consumer credit risk requirements?

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Talk to us

0800 698 332 Mon - Fri 8:30am - 5:00pm

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