Higher Education Data & Analytics Suite

In a world where data is abundant, researchers need access to data sources they can trust. Equifax partners with higher education institutions to provide researchers with unique and comprehensive longitudinal datasets that can be utilized to study a variety of research topics.

With the Higher Education Data & Analytics Suite, Equifax is enabling advanced analytics with quick and easy access to curated datasets compiled from data sources related to traditional credit, specialty finance, utilities and telecommunications, wealth and assets, bank transactions, and property data attributes. These datasets can help to inform academic and grant-funded studies related to topics such as financial inclusion, labor markets, credit and economic trends, higher education, and more.

This fully configurable suite of anonymized data and analytics solutions offers several years of monthly data archives and can be combined in whatever way you need to fit your specific use case or geographic requirements. Options within the suite include:

Consumer Credit Data<br/>Tradelines - raw, anonymized account-level data<br/>Credit attributes - point-in-time attributes covering delinquency, ability to pay, and more<br/>Trended attributes - ~780 attributes revealing credit behavior trends over time<br/>Credit trends - aggregated credit data with vintage-level tracking/performance to measure market changes and trends over time<br/>Delinquency scores - FICO Score or VantageScore, a tri-bureau scoring model that predicts the likelihood a borrower will default (become 90 days or more overdue on loan payments)<br/>Income scores - Consumer Income View and Enhanced Debt-to-Income

Alternative Consumer Data<br/>Alternative attributes - attributes derived from telecom and utility account history, and specialty finance/short term loans<br/>Wealth and assets - sourced from directly measured US consumer assets. Attributes include household income, ability to pay, financial durability, credit needs and usage, and discretionary spending<br/>Delinquency scores - includes alternative data sources to increase predictivity; credit card version and personal loan version<br/>Property data - residential property characteristics and property valuation insights that factor into consumer net worth

Business Data<br/>Credit data - business firmographics, account-level credit obligations and payment history, owners/guarantors<br/>Marketing data - business firmographics, contacts, corporate linkages/affiliations, revenue, industry, diversity, and more

Multiple package options available:<br/>Trial sample - 1% random sample with no data refresh<br/>Lite package - 10% random sample with monthly refresh<br/>Standard package - 100% US population with monthly refresh<br/>Append package - 100% custom append to your input file with monthly refresh

搜集汇总

背景与挑战

背景概述

该数据集是由Equifax提供的匿名化高等教育分析套件，整合了信用记录、替代消费数据及企业数据等多源信息，支持定制化数据组合和月度更新，适用于金融包容性、劳动力市场等学术研究领域。