Financial Durability Measures (Demo/Sample)

Financial durability isn’t always obvious. Two consumers may have the same credit risk profile, but differing levels of financial durability because traditional credit scores don’t tell you what’s in a consumer’s financial wallet. Financial Durability measures provide unique insight into households’ likely financial resilience — meaning how likely a household is able to keep spending, plus meet current and future financial obligations, even when under financial stress.

The Financial Durability model from Equifax provides an indicator of financial resilience by analyzing the intersection of multiple financial capacity measures:

Affluence — based on a foundation of anonymous invested assets
Estimated total household income — based on income from wages, assets, business, and retirement funds
Spending power — discretionary funds available to spend, save, or invest, after accounting for fixed expenses of life
Aggregated credit — such as credit utilization and delinquencies

These household-level scoring measures are offered in two formats for maximum flexibility:
Financial Durability Score™ - provides a 1 to 5 score, with a 5 representing households that are the most financially resilient.
Financial Durability Index™ - provides a more granular 1 to 1000 rating, with a higher rating representing households that are more financially resilient.

These Financial Durability measures can be used for non-FCRA applications across the customer lifecycle, enabling marketers and risk managers to differentiate consumers for acquisition efforts, inform pre-collections strategies, assist with treatment prioritization for delinquent accounts, and increase recovery for accounts in collections.

Financial Durability Score or Index can be bundled with our other financial capacity measures such as Income360, Affluence Index™ or Spending Power™ to provide an even more granular view of household financial health and resilience.

Fields Included:
Zip+4
DPC
Financial Durability Score numeric value (1 - 5)
Financial Durability Index numeric value (1 - 1000)

Disclaimer: The information in this data set is fictitious, should be treated as such, and should be used only for testing purposes. Information in the data set does not represent any known business or consumer.

搜集汇总

背景与挑战

背景概述

该演示数据集提供家庭财务韧性评估指标，通过分析资产、收入、支出能力和信用状况等维度，生成1-5分或1-1000分的评分，以预测家庭在财务压力下的持续消费和偿债能力。这些非FCRA指标可用于营销、风险管理和催收等场景，但数据为虚构，仅用于测试目的。