Credit Reporting Products & Services

Acrofile Plus with BNI and Beacon
Delivers current and comprehensive credit information by searching a national database of 200 million consumer credit files. Assists credit grantors, collection agencies, telco/utility companies and others with permissible purpose in making fast, informed credit-granting decisions. Continually updated information is displayed in an easy to use format. Acrofile Plus includes a delinquency grid reflecting how the consumer managed their account over 24 months.

Beacon 5.0
Beacon 5.0, co-developed with Fair Isaac, predicts the likelihood that an existing account or potential credit customer will become a serious credit risk within 24 months from scoring. Beacon identifies and predicts the full range of credit risks, including bankruptcies, charge-offs, repossessions, loan defaults, and severe delinquencies (90 days or more.)

DTEC – Full & Limited/Auto DTEC
Social Security number search displays the identifying information on up to 4 possible matches. Assists clients in locating individuals who may have utilized another name, and is an excellent search for returned mail, illegible applications, or when we cannot match your input to a credit file. Full DTEC returns all of the identifying information and Limited DTEC returns name/address only SAFESCAN Social Security number warnings automatically returned at no additional charge.

ePORT
ePORT was developed with a host of security provisions designed to manage the privacy of sensitive consumer information. Positioned around specific core and ancillary products, ePORT allows our business-to-business clients to seamlessly receive information via the Internet while keeping control and access of the data in their hands. With virtually no training or software requirements, ePORT gives the end-user complete control of the application, maintains security through issuance of tokens and 128-bit encryption, substantially reduces operating costs, and creates a historical record through online report storage.

OFAC Alert
OFAC Alert is an Equifax product that identifies Specially Designated Nationals (SDNs), blocked persons, and blocked entities under the U.S. Treasury’s Office of Foreign Asset Control (OFAC) regulations and the Department of Commerce’s Import/Export restrictions via automated OFAC screening procedures. Any institution or company that processes financial transactions should conduct OFAC screening. OFAC screening should be conducted on consumers as well as businesses/charities.