Credit Reports and Data Products
Noesis Data is your single source for all of your credit information services needs – from credit reports to compliance. Our comprehensive suite of credit information, risk management and decision-making tools from Equifax enlighten, enable and empower businesses to manage risk and maximize profitability
Credit Reporting
Noesis Data offers a wide range of online credit reports and related products through the Equifax System. Equifax is the market leader in information management enabling and securing commerce and financial health in the local, national, and global commerce arenas. Basic consumer credit reporting services include:
Credit Scoring
Noesis Data offers multiple risk model scores to assist businesses in assessing credit risk, including delinquencies, loan defaults, repossessions, charge-offs and bankruptcies. Results can be delivered immediately on-line, or as a batch process, with the Equifax Acrofile Plus credit report or integrated within a decisioning program.
Decisioning
Noesis Data can help you automate your decisioning process with Equifax Decision Power, a sophisticated point of presence, decision-making tool that offers consistent, actionable, and informed choices to help businesses maximize the value of new and existing customer relationships.
Decision Power automates the screening process for deposit account applicants by combining the power of decisioning technology and credit information from Equifax with closed-for-cause and negative deposit account information from TeleCheck. This integrated service offers a single source for new deposit account risk and marketing decisions, using real-time information to accelerate customer acquisition. Fraud and identity verification are also available to give you a complete view of the consumer at the point-of-sale.
Portfolio Management
Noesis Data can help you manage your portfolio by monitoring and evaluating your customers’ credit behavior. Our full line of portfolio management and risk assessment scoring models can help you manage existing customers by improving your customer portfolio performance, identifying potential problem accounts, and targeting accounts for line increases and cross-sell opportunities.
Our value-added tools help you maximize the revenue potential and profitability of your customer relationships while also identifying potential risks. By detecting potential risks early, you can reduce your losses and maximize your portfolio performance.
Compliance
Noesis Data can help you meet the new, expanded due diligence requirements while facilitating cost-effective compliance.
With the passing of the USA PATRIOT Act and the FACT Act, there has never been a greater need and urgency to "Know Your Customer." You need solutions that help you quickly and easily verify customer identities as well as screen individuals and transactions against the multitude of watch lists. Failure to comply with the new regulations could result in costly fines and impact your company's reputation in the marketplace.
Our comprehensive, state-of-the-art products and services can help you meet your compliance needs today. Our products and services include:
Products within Credit Reports and Data Products are subject to the Fair Credit Reporting Act and must comply with all applicable regulations. You must have a permissible purpose to use consumer’s personal and credit information.
For more information or to obtain an application for service contact your Noesis Data business consultant by calling (800) 568-2027 or by emailing us at info@noesisdata.com.
