Products and Services

Unmatched consumer financial insights for marketing,
sales, and risk management

Risk Management
Measures to Complement Existing Risk Management Efforts

Many companies rely on credit scores and consumer reported income to assist with their risk management efforts. While valuable, these measures offer an incomplete view of consumers’ financial positions and of market health.

IXI offers a suite of solutions that enables firms to gain a more complete view of their customers and target markets. Based on a foundation of IXI’s proprietary, anonymous, directly measured asset data and Equifax’s extensive credit data at an aggregated level, these differentiated measures enable firms to enhance their risk management efforts and better assess consumer financial capacity, collateral, and credit usage as well as risk levels within target markets. Financial services firms can use these measures to minimize risk, mitigate losses, and enhance collections efforts1.

MarketIntel: Manage market risk by understanding your firm’s performance in capturing assets and credit for target markets and customer segments

CreditMix: Assess the credit health of target markets by understanding the size and your firm’s share of credit based on the estimated total outstanding credit for virtually all active credit consumers

Income360: Supplement risk management efforts with IXI’s total household income estimate (income from wages plus income generated from assets)

Comp360: Enhance marketing and risk management models that use traditional income measures with IXI’s total wage income estimate

Ability to Pay Index: Rank households based on their estimated ability to pay their financial obligations

CreditStyles Pro: Differentiate households based on their estimated credit availability, needs, and usage

DSI: Rank customers by likely discretionary spending capacity

DS$: Improve targeting and models by analyzing an estimate of households’ discretionary spending dollars

Economic Spectrum: Group customers and create treatment groups based on the intersection of estimated income and spending

WealthComplete: Gain a better understanding of consumers’ financial position with IXI’s estimate of total household invested assets.

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.