Product Overview

Customer Portfolio Review™ delivers the ability to proactively screen the accounts in your portfolio against customized criteria. This powerful tool can quickly provide deeper customer behavior insights, support informed decisioning, and keep portfolio profitability in focus.

Customer Portfolio Review complies with the Fair Credit Reporting Act.
Helping You Achieve

What Customer Portfolio Review Can Help You Do

  • Reduce losses and risk by monitoring creditworthiness of accounts
  • Segment accounts with our library of credit attributes and 24-month trended data
  • Explore market-driven and loan-specific attributes
  • Get early warning of potential for delinquency or default
  • Segment accounts to enhance credit line management and deepen customer relationships
  • Strengthen compliance and fraud mitigation by spotting issues sooner
  • Determine funding for debt reserves
How It Works

Layered Data for Better Perspective

Using our vast consumer data sources, attributes, scores, employment information, and more, Customer Portfolio Review appends fresh information to your existing data to help you better understand your current mix of customers. You get practical, dynamic insights around risk distribution, customer segments, and changes in scores since purchase or origination.

Review Accounts Frequently to Better Spot Risk

Periodic account reviews may not be enough during an uncertain economy. Increase the frequency of account reviews to quickly identify changes in customers' credit and take action faster to prevent losses.
  • Shift from annual to quarterly reviews - and increase the amount of exposed dollar risk that can be saved by 3.5 times
  • Shift from annual to monthly to save 6x more

 

Frequently Asked Questions

Customer Portfolio Review helps you stay up to date on your customers’ financial behavior so you can make more informed and confident account management decisions.

Customer Portfolio Review can help you better assess consumer credit behaviors - and your customer portfolio - during fast-changing market conditions to enhance credit line management and mitigate risk.

Equifax is the only consumer reporting agency that leverages verified employment and income data in the portfolio review process. Equifax leverages both the freshness of our data and unique products in the review process such as intent scores.

Equifax delivers insights to support more effective segmentation, proactive portfolio management, and confident credit decisions.

Assess your customers’ past and present financial behavior using flexible criteria and robust, exclusive add-on options configured to provide tailored, highly-specific details.

The predictive power of our newest credit attributes provides on average a 15% lift — and up to a 94% increase — in performance over our legacy attributes.

Frequent monitoring of the credit-worthiness of your existing customer accounts can help you proactively identify high-risk accounts and better manage delinquencies.

An additional benefit to frequent reviews is that you can better monitor changes to consumers’ credit at other firms and then use these insights to respond quickly, mitigate potential losses, and protect market share.

Equifax analysis has shown that using these insights into “off-you” changes can increase cost savings by between 40%-50% on newly identified dollars at risk.

Effective portfolio management also helps protect against fraud using built-in fraudulent identity alerts combined with custom criteria.

Update your frequency of monitoring so you don’t miss out on new opportunities or new risks in your portfolio.

Apply Customer Portfolio Review regularly to better:

Address challenges:

  • Assess customer credit behaviors, act to sustain organic growth, meet regulations for capital requirements and protect against fraud.

Leverage areas of opportunity:

  • Tailor customer engagement for better segmentation and cross-sell, grow existing relationships and increase lifetime value.

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Contact Us

Connect with our sales team and discover how this product can meet your business needs.

Contact Us

Connect with our sales team and discover how Customer Portfolio Review can meet your business needs.

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