IBM Cloud Pak Deployment
Equifax Data – Append and Deploy
For IBM Cloud Pak for Data customers
Products available
for IBM Cloud Pak customers
What formats are available?
- All products can be easily appended to a customer file by Equifax, or your firm, based on full address or ZIP data
- Full database files can be provided to clients in the form of directories to enable self-service appends (Economic Cohorts excluded)
- Real Time Append is available via the Wallet Insights™ API
- All data is for United States households only; no international data is available
Directory Sample
How is it Delivered?
- The data for these products is typically at household level (with name/address input)
- Fields returned are unique by product
Sample Data Flow
Client sends customer file to Equifax for appends
- Various PII required to match
- Sent to Equifax via SFG
Equifax processes file and appends data
- Equifax fulfillment team appends the data
- 5-7 working days SLA to completion
Completed file is sent to the Client
- SMTP file transfer back to the customer
- Includes original data + Equifax append(s)
What Does
Data Append
Look Like?
Example of a File Append with Income360
This chart illustrates how Income360 is used in conjunction with a sample file. The first 7 columns are provided by your firm and then appended with Income360. Match flags are also available.
What Does a Directory Look Like?
Layout of CreditStyles Pro Directory fields
Directory files are available for Ability to Pay Index, CreditStyles Pro, Discretionary Spending Index and Income360.
Layout of new Income360 Directory fields as provided to clients.
*A Delivery Point Code (DPC) is obtainable through the CASS Address Standardization process and in most Address Standardization programs / processes.
Ability to Pay Index™
Format and Update Frequency
- Appended and full database files will be delivered as ASCII text files (configurable upon request).
- New vintages will be provided twice yearly based on June and December data updates.
Delivery Method
- Equifax supports full database delivery, appends, and API configuration.
- Preferred file transmittal method is via our secure SFG site or the client’s FTP site.
Size, Scope, and Demographic of Data
- One data record will be provided for each customer household input.
- Inputs are limited to United States addresses.
- To append a file with the Ability to Pay Index score, each record must include a valid ZIP Code and ZIP+4 Code (age is optional but preferred).
What Does it
Look Like?
- The chart illustrates how ATP is used in conjunction with a sample file
- For simple ATP append, your firm can supply a unique customer ID, ZIP+4, and Age of Head of Household
- The first 4 columns are provided by your firm and then appended with ATP measure which will yield the final column
- If no ZIP+4 is readily available, we can geo-code that information based on accurate Street Address, City, State, and ZIP
CreditStyles® Pro
Format and Update Frequency
- Appended and full database files will be delivered as ASCII text files (configurable upon request).
- New vintages will be provided quarterly.
Delivery Method
- Equifax supports full database delivery, appends, and API configuration.
- Preferred file transmittal method is via our secure SFG site or the client’s FTP site.
Size, Scope, and Demographic of Data
- Up to 400 variables covering credit, risk, propensity / intent and Aggregated FICO® scores can be provided for each customer household input.
- Inputs are limited to United States addresses.
- To append a file with CreditStyles Pro, each record must include a valid ZIP Code and ZIP+4 Code.
What Does it Look Like?
The first 3 columns are provided by your firm and then appended with CreditStyles Pro Detailed Credit Variables. If no ZIP+4 is readily available, Equifax can geo-code that information based on accurate Street Address, City, State, and Zip. *Table Data is for illustrative purposes only
The first 3 columns are provided by your firm and then appended with CreditStyles Pro metrics. If no ZIP+4 is readily available, Equifax can geo-code that information based on accurate Street Address, City, State, and Zip. *Table Data is for illustrative purposes only
The first 3 columns are provided by your firm and then appended with CreditStyles Pro Intent Indicators, If no ZIP+4 is readily available, Equifax can geo-code that information based on accurate Street Address, City, State, and Zip. Intent is indexed between 1 and 100; the higher the index, the more likely the consumer has a specific credit need. *Table Data is for illustrative purposes only
Discretionary Spending Index™ (DSI®)
Format and Update Frequency
- Appended and full database files will be delivered as ASCII text files (configurable upon request).
- New vintages will be provided twice yearly based on June and December data updates.
Delivery Method
- Equifax supports full database delivery, appends, and API configuration.
- Preferred file transmittal method is via our secure SFG site or the client’s FTP site.
Size, Scope, and Demographic of Data
- One data record will be provided for each customer household input.
- Inputs are limited to United States addresses.
- To append a file with DSI, each record must include a valid ZIP Code and ZIP+4 Code (age is optional but preferred).
What Does it Look Like?
This chart illustrates how DSI can be used in conjunction with a sample file (*Where Income360® is also licensed).
The first 4 columns are provided by your firm and then appended with DSI which will yield the final column.
Economic Cohorts®
Format and Update Frequency
- Appended database files will be delivered as ASCII text files (configurable upon request).
- New vintages will be provided once a year based on the December data update.
- Economic Cohorts is not available in directory / full database format.
Delivery Method
- Equifax supports appends and API configuration.
- Preferred file transmittal method is via our secure SFG site or the client’s FTP site.
Size, Scope, and Demographic of Data
- One data record will be provided for each customer household input.
- Inputs are limited to United States addresses.
- To append a file with Economic Cohorts, each record must include a valid Name, Address, City, State and Zip Code.
How is it Delivered?
Economic Cohorts is typically delivered as a batch append to customer or prospect lists, or as a real-time append via an API. User Guide also provides detail about each cluster including economic summary, demographics, interests, media, lifestyle and attitudes.
File enhancement/coding: Analyze and segment households:
- Append your customer or prospect file with Economic Cohorts cluster codes for modeling, segmentation, and marketing campaigns
- Includes Economic Cohorts National Profile and Cluster Profiles for each of 71 clusters
Geographic market sizing:
- Household counts by cluster and distribution of clusters for desired geographies (state, county, CBSA, block group, ZIP) delivered via Excel
- Geographic market sizing sizes, ranks, and prioritizes markets to enhance opportunity assessment, performance analysis, and resource allocation
Income360®
Format and Update Frequency
- Appended and full database files will be delivered as ASCII text files (configurable upon request).
- New vintages will be provided twice yearly based on June and December data updates.
Delivery Method
- Equifax supports full database delivery, appends, and API configuration.
- Preferred file transmittal method is via our secure SFG site or the client’s FTP site.
Size, Scope, and Demographic of Data
- One data record will be provided for each customer household input.
- Inputs are limited to United States addresses.
- To append a file with Income360, each record must include a valid Name, Address, City, State and Zip Code.
What Does it Look Like?
This chart illustrates how Incomte360 is used in conjunction with a sample file.
The first 7 columns are provided by your firm and then appended with Income360’s estimated income.
Match flags also available.
Credit Trends
Format and Update Frequency
- Data is available via flat file. SmartView, an intuitive data visualization tool, is also available as a delivery method.
- Data is updated monthly.
Delivery Method
- Preferred file transmittal method is via Equifax secure SFG.
Size, Scope, and Demographic of Data
- By delivering rapid monthly updates across 20 mutually exclusive product categories, Credit Trends provides granular and actionable data.
- Six data dimensions can be leveraged to examine the data, including Origination Vintage, Origination Risk Score, Current Risk Score, Loan Product, Geography, and Firm & Peers.
- Built from the Equifax bias-free consumer credit database, Credit Trends delivers no personally identifiable information to protect data security integrity.
Learn more about Equifax Data
Powering the World with Knowledge™
Copyright © 2023, Equifax Inc., Atlanta, Georgia. All rights reserved. Equifax, EFX, Cohorts, Income360, and WealthComplete are registered trademarks of Equifax Inc. Ability to Pay Index, Discretionary Spending Dollars, DS$, Economic Spectrum, IXI, and Small Business Assets are trademarks of Equifax Inc. All other trademarks contained herein are the property of their respective owners. Information sourced from Equifax and data provided by Gfk MRI.