Risk Management « IXI Services, a division of Equifax: Financial and economic insight for every U.S. household

Risk Management

Featured Risk Management Solution:

Assessing Ability to Pay

Minimize risk with IXI’s…

Risk Management Tools

Topical Studies

The Next Frontier in Mortgage Predictive Analytics: Using Total Income from Salary and Assets to Improve Mortgage Risk Management
Six Healthcare Challenges; One Data Driven Solution: Impact of Consumer Financial Capacity and Ability to Pay in Healthcare Profitability

Success Stories

Credit Card Issuer Improves Risk Management

In today’s economy, firms need to adapt their business strategies based on consumer ability to meet their financial obligations and the risk associated with target geographies. Working with IXI, firms can leverage measures of assets, income, spending, and credit to better understand their customers’ ability to pay and the financial health of their target markets, resulting in the right knowledge to minimize risk, mitigate losses, and enhance collections efforts¹.

IXI Risk Management Applications:

Risk Management	Assess geographic risk within target markets Assess consumers’ ability to pay credit card and debt obligations Improve refinance, loan modification, loss mitigation, and revenue cycle management efforts
Account Acquisition and Origination	Assess borrower financial potential Supplement thin files or files with no credit history Differentiate consumers with seemingly like qualifications
Consumer Credit and Lifecycle Management	Enhance monitoring of at risk accounts Identify those likely to have the ability to spend and pay during tough economic times Create relevant offers and terms
Collections	Prioritize delinquent accounts Alter collections treatment groups based on ability to pay and loan level data
Portfolio Valuation	Mortgage and A/R portfolio review and valuation Supplement thin files

¹ The products described above were neither developed nor intended to be used for the extension of credit to any individual, nor may they be used for purposes of determining an individual’s eligibility for credit, insurance, employment or for any other purpose contemplated under the Fair Credit Reporting Act, 15 U.S.C. § 1681 et seq.

Client Insights

Leading firms use IXI's solutions to maximize the return on their marketing, sales and risk management efforts