Credit Identity Elements™

As businesses navigate the complex world of consumer data, identity resolution is crucial for sustained growth and risk mitigation. Companies need access to trustworthy and dependable consumer identity information to make informed decisions. Businesses face tough daily questions, such as "Is this consumer really who they claim to be?" and "Do we have the most up-to-date information on all our customers?"

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**Credit Identity Elements** helps you maintain constancy and increase the accuracy of identity verification efforts for your business and the businesses you serve. Leverage trusted, valuable identity data from direct-sourced datasets - including the Equifax credit file, inquiry information, specialty finance, and commercial firmographics. Gain a more holistic consumer view by combining the breadth of credit file data with the recency of consumer-initiated transactions (more than 300M credit identities from Equifax, plus 150+M monthly hard and soft credit inquiries). A single trusted data partner provides efficiencies, speed and easier integration with your applications and processes.

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The power of Credit Identity Elements is based on five key areas:

- Diverse data from multiple sources
- Coverage across time and different furnishers
- Completeness that provides the full story
- Consistency in format and data points
- Freshness that ensures up-to-date information

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Credit Identity Elements from Equifax stands apart due to the availability of unique sources of incremental identity data — any of which can be purchased independently or combined with our core credit file sourced identity data for more robust identity resolution. These include::  

## Specialty finance loans:

- ~ 80M transactions annually from short-term loans, lease-to-own, and installment loans, many of which don’t appear in the traditional credit file

## Phone number, email address and drivers license data marts:

- ~450M unique phone number / identity combinations, 535M+ emails for 210M+ unique individuals, and 200M+ drivers license numbers on 143M individuals

## GenZ:

- ~25M consumers (ages 18+) with ~3M new addresses, 650K+ new phone numbers, and 12M+ new email addresses

## Commercial firmographics and hierarchy:

- Business demographic and firmographic information on 185M businesses globally including legal entity names, DBAs, address(es), corporations, and contacts

原始信息汇总

Credit Identity Elements™ 数据集概述

提供商

• Equifax

试用信息

• 免费试用：60天

数据集描述

• 用于增强和验证消费者身份数据，支持身份解析
• 包含来自Equifax信用档案、查询信息、专业金融和商业企业图谱的直接来源数据
• 提供超过3亿个信用身份和每月超过1.5亿次硬性和软性信用查询

关键优势

• 多样化的多源数据
• 跨时间和不同提供者的覆盖范围
• 提供完整故事的完整性
• 格式和数据点的一致性
• 确保信息最新的新鲜度

数据子集

• 专业金融贷款：每年约8000万笔交易
• 电话号码、电子邮件地址和驾照数据：约4.5亿个电话号码/身份组合，5.35亿+电子邮件，2亿+驾照号码
• GenZ数据：约2500万消费者（18岁以上）
• 商业企业图谱和层次结构：全球1.85亿家企业的商业人口统计和企业图谱信息

业务需求

• 身份解析
• 欺诈补救
• 数据质量和清理
• 联系数据丰富
• 360度客户视图

数据字典

• 表名：CREDITHEADER_SAMPLE_VIEW
• 列数：133列（示例显示50列）
• 包含字段：姓名、曾用名、地址信息等

使用示例

• 将用户数据与Equifax消费者详细信息连接

刷新频率

• 每月

时间覆盖范围

• 未来6个月（按月）

地理覆盖范围

• 美国（所有州）

云区域可用性

• AWS：美国东部（北弗吉尼亚）、美国东部（俄亥俄）、美国西部（俄勒冈）
• Azure：美国东部2（弗吉尼亚）

法律条款

• 标准条款

联系方式

• 销售：[e-mail]
• 支持：[e-mail]