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Ability to Pay (ATP) Index Product Sheet
ATP Index can be used alone or incorporated into models that incorporate consumer financial variables. ATP Index can help marketers more efficiently assess customer portfolios, enhance targeting, better identify high-potential households for marketing efforts, tailor promotions, rank leads, and help inform account management. ATP Index is available for use in both offline and online applications.
Ability to Pay Digital
Ability To Pay™ is an estimate of a household's financial capacity based on consumer spending capacity, total income (including income from wages and assets), and household demographics.
ACA Fine Management Services
Now is the time for employers to make sure they're prepared should IRS Letter 226J arrive in their mailbox. With these Affordable Care Act-related fine notices soaring into the millions, employers must quickly react to understand Letter 226J and provide documentation to potentially dispute the stated fine amounts. Learn more about how engaging with Equifax and our Affordable Care Act Fine Management Services can support employers throughout the process.
ACA Management Essentials Solution
An overview of our Affordable Care Act Management Essentials Solution for employers.
ACA Partnership Opportunities
Does your team have the resources and expertise required to build and maintain a reliable ACA solution to meet clients' demands? Consider a reseller or referral partnership with Equifax, and get the trusted compliance technology and support you and your clients are after.
ACA Training Packages
Learn more about the ACA training packages we offer in this solution overview.
Addressable TV Advertising
Television ads cost big bucks. That's why advertisers and their agencies should take advantage of new, more targeted TV ads to better reach their optimal audiences.
Advanced Communications Plus
Advanced Communications Plus is a new industry specific score only available to NCTUE Plus members.
Advanced Energy Plus
Product sheet for Advanced Energy Plus, a new score for thin hit/no file only available to NCTUE Plus members.
Aggregated FICO Scores from Equifax – Product Features Sheet
An overview of the different features available with the Aggregated FICO® Score
Aggregated FICO Scores from Equifax – Product Sheet
Aggregated FICO® Scores offer marketers an aggregated, modeled form of FICO® Scores, thus enabling the use of an industry accepted credit risk assessment measure for non-FCRA marketing applications.
Aggregated FICO® Scores are offered at the micro-neighborhood level, thus ensuring consumer privacy.
AML Compliance
Help facilitate compliance, minimize risk and reduce losses.
Analytic Dataset
Analytic Dataset is a unique solution which provides insights into the credit health of US consumers through multiple credit cycles. This solution is created from a sample population across different geographical boundaries starting in July 2005 to present. It allows for the entrants of new consumers as others leave the active US consumer population due to death or credit usage.
AudienceIntel Product Sheet
AudienceIntel from IXI Services, a division of Equifax can help you: Improve campaign and website performance measurement with consumer financial capacity insights. Make instant, data-driven budget allocation decisions with campaign performance insights. Verify your actual audience to better understand what type of audience is viewing and responding to your online ads and website. Real-time, interactive dashboard allows easy "on-the-fly" report visualization, customization and exports.
Audit By Loan Number
Audit by Loan Number, or ABLN, is the transaction that allows a GSE to request an audit copy of a completed verification from Equifax. Depending on the GSE program, verifications that are eligible for ABLN include instant income and employment verifications from The Work Number® and those that Equifax completes manually on a lender's behalf, as well as those retrieved directly from the IRS via the Equifax 4506-T tax transcript service.
AVM Insight Product Sheet
Manage your collateral risk with a market-leading AVM
Best Practices in Segmentation eBook
Applying segmentation best practices can drive improved marketing and sales performance, and operational efficiency, while also creating a better, more personalized customer experience across multiple channels and touchpoints.
Business Activity Monitor
Business Activity Monitor™ is an account monitoring solution that helps reduce delinquency, improve collection outcomes and save time associated with account management through automated alerts on key changes to your customer accounts.
Business to Business Digital Targeting Segments
The Business to Business Digital Targeting Segments enable marketers to improve targeting, increase response rates and reduce marketing costs while reaching desired target audiences online based on business attributes. These segments leverage attributes from the Equifax Commercial Marketing Database. The data comprises over 42 million business site locations. Independent studies confirm that 10% of these commercial records are unique to Equifax and concentrated in micro- to small-sized business.
CaseBuilder Flex
CaseBuilder Flex integrates easily to most internal unemployment case management programs taking care of the document management flow, and prompting workflow actions and activities, while the employer maintains the provisioning and decisioning of the case load.
CaseBuilder Platform
Equifax processes nearly 5 million unemployment claims each year. That kind of scale gives us the unique process insights that go into the CaseBuilder platform - our intuitive and intelligent web-based solution for streamlining unemployment case management.
Closed-Loop Attribution
Marketers need to connect their digital ad spend to their bottom line. Our proprietary Closed-Loop Attribution measurement solution allows marketers to measure – in a repeatable and turnkey manner – the impact that omni-channel campaigns have on company-specific metrics and revenue, whether the 'conversion' was done online or offline.
Combating Fraud in Automotive
Dealers need tools and solutions to help them connect the dots to verify if an applicant is real or not
Commercial Insight Delinquency Score Product Sheet
Product Sheet detailing Commercial Insight Delinquency Score
Compliance Center
Stay on top of complex onboarding requirements. Our technology centralizes and helps automate onboarding for a more hassle-free new hire experience. Pick the modules you need with the flexibility to add more in the future.
Consumer Email Services
If your company is seeking email lists for prospecting campaigns or would like to enhance customer records with email addresses, then Equifax can help. With our email services, companies can better engage with key audiences and deliver relevant and personalized messages to prospects and customers.
Credit Card Digital Targeting Segments
Credit Card segments, built on a foundation of anonymous, aggregated credit information from Equifax, offer a means of marketing to consumer segments likely to have specific credit card propensities. Available to IXI Network members only.
CreditStyles Pro Product Sheet
CreditStyles Pro offers a suite of tools based on aggregated credit data that enables marketers and analysts to differentiate households based on their likely credit availability, needs, and usage.
Credit Trends SmartView Application
Our Credit Trends SmartView application (app), available through the Equifax Ignite™ Marketplace, can provide the insight and clarity you need by offering clear, concise data visualizations that are accessible anytime via your computer, tablet or smartphone.
Customer Data Management product sheet
One process improvement drives multiple benefits. Whether your customer data is scattered among three or three dozen places, Equifax helps you gain control with visibility you've never had before.
Data and Insights for Higher Education
The Work Number drives data and insights for Human Resources and Institutional Research groups in higher education
Data-driven Marketing for Automotive
Optimize Spend by Targeting the Right Car Shoppers, at the Right Time with the Right Message
Digital Onboarding
With onboarding, marketers can reach their offline target audiences in the digital world. Onboarding enables marketers to convert their customer or prospect data in a secure environment to a digital format that can be used for online targeting.
Digital Segments for Auto
Auto Credit* segments, built on a foundation of anonymous, aggregated credit information from Equifax, offer a means of marketing to consumer segments likely to have specific auto credit propensities.
Digital Segments for Millennials
These segments are driven by our consumer segmentation system, which takes into account both projected interest and capacity to buy. The methodology differentiates consumers by industry-leading measures of household economics to derive unique buying capacity insights. By combining insights into estimated household income, spending and credit with demographics, buying behaviors and product preferences, these segments offer powerful tools for delivering the right message to the right audience.
Digital Targeting Segments for Communications
Telecommunications, Cable, and Wireless segments are based on the Economic Cohorts® consumer segmentation system, and are built by combining insights about estimated household income, spending and credit with demographics, buying behaviors and product preferences.
Digital Targeting Segments for Retail
Retail segments are based on the Economic Cohorts consumer segmentation system, and are built by combining insights about estimated household income, spending and credit with demographics, buying behaviors and product preferences.
Digital Targeting Segments for Sports
Sport segments are based on the Economic Cohorts® consumer segmentation system, and are built by combining insights about estimated household income, spending and credit with likely demographics, buying behaviors and product preferences.
Digital Targeting Segments for Travel & Leisure
Travel, Entertainment, and Leisure segments are based on the Economic Cohorts® consumer segmentation system, and are built by combining insights about estimated household income, spending and credit with demographics, buying behaviors and product preferences.
Discretionary Spending Dollars - Digital Targeting Segments
Digital targeting solutions enable marketers to better deliver the right message to a desired target audience online based on consumers' likely interests and economic profiles.
DS$ Digital can target consumers based on their estimated household spending, after accounting for fixed expenses, organized in 9 differentiating ranges.
Digital targeting segments from Equifax are based on aggregated attributes at a geographic level and neither contain nor reveal any personally identifiable information.
Discretionary Spending Dollars HD
Discretionary Spending Dollars HD (DS$) is a continuous household-based dollar value estimate of discretionary spending uncapped up to $1.2M. For organization addressing internal responsible banking concerns, DS$ HD provides robust discretionary spending capacity estimates at the household level without using protected-class demographics. DS$ can be used alone or incorporated into models and can help identify consumers with the estimated spending levels to afford products and services.
Discretionary Spending Dollars Product Sheet
Discretionary Spending Dollars (DS$) from IXI Services is a continuous household-based dollar value estimate of discretionary spending uncapped up to $1.2M. DS$ represents disposable income minus non-discretionary expenses. DS$ can be used alone or incorporated into models where consumer spending is a factor. It is best used to identify consumers with the estimated spending levels to afford various products and services and can be used in both offline and online applications.
Discretionary Spending Index Product Sheet
Discretionary Spending Index (DSI) from IXI Services is a continuous household-based score of 1 to 1000 that ranks households by likely spending capacity and spending behaviors. It enables marketers to rank customers and prospects by estimated spending power.
Economic Cohorts Product Sheet
Economic Cohorts incorporates the vital visibility into household economics that has been missing from consumer segmentation products until now. Economic Cohorts segments customer and prospects based on households' economic positions (estimated total income, ability to spend, ability to pay, and likely credit capacity), in combination with all the key demographic, lifecycle/lifestage, behavioral, lifestyle, and geographic attributes you expect from a leading consumer segmentation system.
Employment Tax Consulting Services for PEOs
Professional Employer Organizations have many business risks that are unique to the industry. Learn how Equifax can help.
Enhanced Email Append for Prescreen
Append emails to any Prescreen, house ITA or branding campaign lists. Leverage a triple-scrub process to ensure hygiene and guarantee 99% deliverability.
Equifax and Jack Henry Retail Banking Solution
Equifax and Jack Henry have joined forces to give financial institutions of all sizes a comprehensive solution to assess new deposit account risk and cross-sell opportunity at the time of new account origination.
Equifax and Retail Banking - Turning data into actionable insights
Our unique Decision360 approach is to integrate fragmented datasets and insights across channels, types, and platforms.
Equifax Ignite Direct
Equifax Ignite Direct combines data, technology and analytics in a research and development environment.
Equifax Ignite Marketplace
Equifax Ignite Marketplace, a collection of pre-built, configurable visualization applications, accelerates the sourcing and understanding of large amounts of industry-specific data to continuously optimize and inform intelligent business strategies.
Exchange Risk Score Product Sheet
Built from a database that includes more than 300 million non-financial tradelines and covers more than 171 million distinctive consumers, Exchange Risk Score provides unique and deep industry-specific payment data.
FCRA and Data Accuracy
The Fair Credit Reporting Act (FCRA) is a Federal Law that promotes accuracy, fairness and privacy for the data used by Consumer Reporting Agencies (CRAs), including Equifax. Verifications completed through The Work Number service are consumer reports.
FCRA Risk Mitigation
Providing verifications of employment can potentially expose employers to many serious legal risks, including liability risk when giving references to other employers, and privacy concerns from leaks of sensitive employee data.
FICO Risk Score
In a major redevelopment of the FICO® Score using sophisticated modelling techniques to mine trends in recent consumer data, FICO Score 9 gives lenders the most predictive FICO Score to date, and minimizes operational hurdles associated with adoption and compliance. Among many modifications to its predictive characteristics, FICO Score 9 improves lenders' assessment of collection information as well as consumers with limited credit histories.
FICO Score XD
By offering a deeper layer of relevant financial insight, FICO® Score XD can help you pinpoint and target creditworthy prospects out of a previously untapped audience so you can securely grow your consumer portfolio
FirstSearch Product Sheet
Collect More Debt by Reaching Debtors First
FraudIQ Authenticate Brochure
A Smarter Way to Authenticate Customers
FraudIQ Authenticate Device
A real-time check of the devices used in your online business
FraudIQ Authenticate Passcode
Secure Authentication with One-Time Use Passcodes
FraudIQ Authenticate Questions
Identity proofing with knowledge-based questions
FraudIQ Identity Alerts
Help protect your business from fraud with alerts that help you quickly spot fraudulent identity components that may indicate synthetic ID fraud or identity theft.
FraudIQ Identity Score
FraudIQ™ Identity Score delivers insights on identity linkages and suspicious patterns, helping determine that the customer is who they claim to be. Use these insights and customizable scoring to make critical decisions in real time when spotting potential fraud.
FraudIQ Manager Product Sheet
Fraud is an increasing threat to businesses, creating revenue loss and increased costs year over year. FraudIQ™ Manager is an enterprise fraud management solution that helps identify potentially fraudulent activity before it impacts your business.
FraudIQ Synthetic ID Alerts
Synthetic ID Alerts, delivered in batch or real time, are based on patent-pending algorithms that analyze attributes such as authorized user velocity and identity discrepancies to help determine if the identity presented could be synthetic.
Graduate Outcome Metrics
In this global market, higher education institutions are facing increasing competition and compliance challenges. Many institutions are turning to analytics to maximize strategic outcomes and drive decision making in resource allocation, student success, and finance.
Help Facilitate Compliance and Growth Demands with Insight Score for Retail Banking
To help you address CFPB expectations while also managing the risk associated with a more inclusive account opening policy, Equifax offers a robust alternative data solution known as Insight Score for Retail Banking.
Help small businesses clearly and easily understand their estimated value
Equifax Business Value Advisor™ is a robust online valuation tool, that can provide vital information to your prospects and customers about their small business, while also helping to identify high-potential sales opportunities within your client base.
Hey Big Lender! Get Auto Insights That Drive Auto Lending Portfolio Growth
Introducing a New Dealer Market Intelligence Platform
I-9 Anywhere Product Sheet
We get it. Offsite is the new onsite as more and more companies move toward a dispersed workforce. The I-9 Anywhere® solution from Workforce Solutions is designed to easily accommodate multiple worksites and remote employees with built-in guidance for accurate I-9 completion. Onsite or offsite, we've got you covered with I-9 Anywhere delivering flexible Section 2 completion options to manage I-9 compliance anywhere you are onboarding new hires.
I-9 Conversion Product Sheet
Transform paper I-9s to an electronic system for better control to help improve your I-9 compliance.
I-9 Management Product Sheet
Take control of I-9 compliance with I-9 Management solutions from Equifax. We understand the challenge you face when managing I-9 compliance. Keeping control of your I-9s is no small task. Turnover, a dispersed workforce, remote employees, evolving legislation and changing regulations make it nearly impossible to stay 100% compliant when using a paper-based process. Equifax answers your needs with smart, convenient electronic solutions.
Income360 - Digital Targeting Segments
Digital targeting solutions enable marketers to better deliver the right message to a desired target audience online based on consumers' likely interests and economic profiles.
Income360 Digital provides an estimate of consumers' total household income and estimates average household income in 11 ranges up to $250,000+.
Digital targeting segments from Equifax are based on aggregated attributes at a geographic level and neither contain nor reveal any personally identifiable information.
Income360 HD Product Sheet
Income360 Household Direct version is now available from IXI Services, a division of Equifax. Marketing campaigns can take advantage of household-level income estimates created without components that could create obstacles for internal compliance requirements.
Income360 Product Sheet
Income360 from IXI Services, a division of Equifax, is a continuous household-based dollar estimate of income uncapped up to $2.0 million based on both income from wages and income generated from investments. Income360 can be used alone or incorporated into models that include traditional income measures. It provides marketers and analysts with a more reliable estimate of income to improve performance for both direct marketing and online targeting campaigns.
Income and Employment Verifications
The Work Number delivers an automated income and employment verification solution that streamlines the transfer of information between employers and verifiers, ultimately benefiting the employee by creating a secure and accelerated decision process.
Insight Score for Personal Loans
The innovative Equifax Insight Score for Personal Loans is a FCRA risk score optimized for unsecured personal loans used for new account origination, underwriting, and pre-screening.
InstaTouch ID for Communications and Energy Service Providers
As communications and media companies expand and adopt mobile as a channel for services and capabilities, they are finding that the experience is often difficult and frustrating for consumers. They need to streamline form-fill processes, authenticate consumer identities across devices and identify candidates for product or service offers. InstaTouch® ID provides a more frictionless journey to secure identity, mitigate potential fraud, provides a faster path to revenue and helps encourage return engagement
InstaTouch ID for Mortgage
As lenders expand and adopt mobile as a channel for services and capabilities, they are finding that the experience is often difficult and frustrating for applicants. They need to streamline form-fill processes, authenticate applicant's identities and manage compliance. InstaTouch® ID provides lenders with a frictionless digital experience, helps simplify processes, and identifies and authenticate more applicants at the point of acquisition.
InstaTouch ID Product Sheet
InstaTouch® ID uses Equifax and mobile carrier data to authenticate a consumer's identity. This allows for pre-population of consumer data during online checkout or form completion--providing a simpler, frictionless experience.
InstaTouch Offers
InstaTouch® Offers, a customized marketing and credit offers solution, enables additional ways to connect with the consumer and build loyalty through lines of credit and real time customizable marketing offers. Utilizing the Equifax credit data and combining it with verified identity enables a business to customize a firm offer of credit or insurance to the consumer based on shopping behaviors and helping limit risk of decline.
InstaTouch Pay for Communications, Energy and Digital Media
As online commerce continues to grow, retailers need to reduce their digital cart abandonment rates, improve their consumer experience, and gather valuable consumer insights. InstaTouch® Pay streamlines the way consumers make online payments, which helps to improve the mobile transaction experience, reduce cart abandonment and encourage return engagement
InstaTouch Pay Product Sheet
InstaTouch® Pay simplifies the tedious process of having to enter card information on devices and uses verified identity to present most current, reported credit card information as payment options.
InstaTouch Suite: From Friction To Flow
Don't just meet consumer expectations of seamless, omni-channel experiences—exceed them. Enhance offers and reduce friction with the Instatouch® Suite from Equifax.
Insurance - Digital Targeting Segments
Digital targeting solutions enable marketers to better deliver the right message to a desired target audience online based on consumers' likely interests and economic profiles.
Insurance Propensity Segments help marketers reach more qualified prospects based on specific likely insurance tendencies or characteristics.
Digital targeting segments from Equifax are based on aggregated attributes at a geographic level and neither contain nor reveal any personally identifiable information.
InterConnect is a flexible and secure cloud-based platform that converts complex inputs into actionable insights. It delivers streamlined access to diverse data sources, better attribute creation and deployment, easier rules management, stronger analytics and model integration to help you make more consistent decisions and get to market faster.
InterConnect Instant Prescreen
Cost-effective, quick-to-implement instant prescreen and cross-sell solution
Investment Propensity Digital Targeting Segments
Investment Propensity Digital Targeting Segments give firms the option of targeting households based on their likelihood to hold certain types of financial products. These segments are derived from a proprietary foundation of approximately $14 trillion in directly-measured, anonymous invested assets. The Direct version targets based on ZIP+4.
Lead Accelerator
Help verify and qualify leads that convert into sales quicker and more efficiently
Managing Unemployment Costs - Hearing Representation
With expert appellate services from Equifax, employers can tap into an experienced, highly-specialized team of representatives who will assist with hearing preparation once a hearing has been scheduled, and also represent your organization at the hearing
Marketing List Services
Equifax partners with leading providers of consumer marketing lists to help you better reach your optimal prospects as well as to augment your company's existing customer database. Our list services enable marketers to access key variables for their prospecting and customer marketing efforts.
Marketing Solutions for Auto Product Sheet
We offer a variety of products and services to assist Dealers and OEMs with their marketing efforts. Help fill your lead funnel, enhance CRM systems and predictive models to develop optimal shopper profiles and optimize your website with real-time insights.
Marketing Solutions for Energy Marketers
Energy companies' marketing teams can now gain insight on households' estimated financial capacity, demographics, understand website traffic, and utilize real-time tactical applications at the point-of-service to better understand and communicate with their customers.
Marketing Solutions for Insurance Providers
Acquire New Policy Holders and Identify High-potential Customers Marketers can now better identify and communicate with valuable customers that are likely to have the financial profile and behavioral characteristics to better qualify for insurance products and services
Marketing Solutions for Restaurants
Go beyond loyalty databases and surveys by linking transaction data with consumer marketing information to help develop guest profiles. Reach more high potential guests that may have the affinity for dining out at your brands with discretionary funds to spend more
Marketing Solutions for Retail
Retail marketers can now enhance segmentation efforts to better identify and communicate with valuable customers that are likely to have the financial and behavioral characteristics that match a retailer's brand, products, and services.
Marketing Solutions for the Communications Industry
Communications marketers want to consider new ways to use consumer insights and data to advance their efforts to acquire new customers, retain their best subscribers, and maximize lifetime value.
Marketing Solutions for Travel
Optimize marketing budgets by pursuing consumers more likely to have the financial capacity for travel and leisure activities, plus have the propensity for your brand, products, and services. Augment segmentation frameworks with estimated consumer financial attributesOptimize marketing budgets by pursuing consumers more likely to have the financial capacity for travel and leisure activities, plus have the propensity for your brand, products, and services. Augment segmentation frameworks with estimated consumer financial attributes
MarketVision for Securities
MarketVisionTM for Securities enables securities firms to determine their market size and share, find high growth areas, and identify consumer demand for any investment product and product category—all based on direct-measuredTM consumer financial assets. Exclusively for IXI Network members.
MLA Covered Borrower Status
MLA Covered Borrower Status returns an applicant's status, giving you the valuable,needed insight to which credit terms you must offer in order to help you quickly proceed with origination and maintain a "safe harbor" as stated in the MLA Final Rule.
Model Integration Tool
Model Integration Tool allows you to rapidly integrate, audit and deploy custom models and scorecards with simplicity—so you can productionalize your models faster.
Model Performance Monitoring Application
The Equifax Model Performance Monitoring application (app), available through the Equifax Ignite™ Marketplace, helps make it easier for you to manage ongoing regulatory requirements by providing data-driven illustrations around model performance that enable you to quickly visualize new and emerging model risk, so you can take faster action to update or revise those models.
Model Performance Validation Application
A prebuilt app within the Equifax Ignite™ Marketplace, the Model Performance Validation app enables you to immediately visualize and validate how your current risk models are performing against your portfolio, and then compare that to how alternative models might perform.
Mortgage Lead Generation Models
Acquire and retain more actionable customers with a mortgage lead generation model
NCTUE Plus
Learn about membership with the National Consumer Telecom and Utilities Exchange
New Hire Reporting Services
The federal government mandates that employers report newly-hired and rehired employees to the state in which they work within 20 days. Equifax Unemployment Cost Management streamlines this process for employers by performing multi-state reporting on employers behalf.
Optimizing the Value of Each Step in the Customer Journey
Overview: PowerLead Suite
Get Qualified Leads and Sell More Cars with PowerLead Suite from Equifax
PhoneReveal can help enhance your current customer contact strategies by providing phone number type and validity, and identifying if your customer number is a mobile, landline or Voice over IP (VoIP) phone number.
PowerLead Check
Automotive service providers need a way to improve the lead generation solutions they provide dealerships, OEMs, and auto shopping sites.
PowerLead Check & Real Results
Start Moving Shoppers through the Buying Process
PowerLead Offer
Dealerships are looking for ways to accelerate the funding and delivery of vehicles. PowerLead Offer allows dealers to extend a firm offer of credit to consumers that are in their dealership.
PowerLead Qualify
What if there were a way to convert online shoppers into pre-qualified leads interested in a specific vehicle? Now you can! PowerLead Qualify™ facilitates the determination of an offer for an auto loan, including credit limit, interest rate and term.
PowerView Score for Prime Lending
A next generation alternative data risk score powered by Equifax and LexisNexis
PowerView Score for Subprime Lending
A next generation alternative data risk score powered by Equifax and LexisNexis
Pre-Employment Verifications
Make More Informed Pre-Hire Decisions With Authentic Employment Data
Prequalification of One
Equifax offers a Prequalification of One solution that enables a consumer to easily determine their credit eligibility for offers, before a credit application is initiated.
Primary Impact - Make stronger promotions to the right prospects
Help grow your DDA portfolio and increase marketing ROI with a unique suite of models that enable greater precision when identifying household prospects best suited for your products.
Reporting Commercial Data
Best-in-class data security, governance and insights
Researched Employment Verifications for Background Screeners
Making employment verification calls is one of the most laborious screening activities, but it's a critical task that must result in the fast delivery of accurate data. Whether needing to outsource an entire researched verification process or in need of a provider to handle overflow, Equifax can help.
Resident and Tenant Screening Product Sheet
Today's property managers need an efficient, one-stop shop to access comprehensive background information to ensure residents (tenants) meet their client's ideal profile. Equifax now provides the Multi-Family Housing industry with an easy web-based screening program to effectively prescreen rental applicants.
Retail Banking Digital Targeting Segments
Retail Banking Propensity Targeting Segments give banks the option of targeting households based on their propensities to consume certain types of retail banking products and services. These segments are derived from a proprietary foundation of approximately $14 trillion in direct-measured, anonymous invested assets. Available to IXI Network members only.
Rules Editor
Rules Editor helps improve efficiencies and decreases costs by empowering business users integrated technology to easily create, test, and edit rule policies, without the reliance on I.T. resources.
Small Business Assets - Digital Targeting Segments
Digital targeting solutions enable marketers to better deliver the right message to a desired target audience online based on consumers' likely interests and economic profiles.
The Small Business Segments leverage attributes from BusinessClass™, Equifax Commercial Solutions' multi-sourced business marketing database, with over 18 million businesses, aggregated to the ZIP+4 level.
Digital targeting segments from Equifax neither contain nor reveal any personally identifiable information.
SmartReserve™, a robust data offering from Equifax, can help by providing financial institutions of all sizes with access to the historical data required to accurately forecast future losses and calculate the reserves required under the new CECL standard for future and current losses.
Solutions for Communications Industry Marketers
Expertise and proprietary data from Equifax allows communications marketers to better align marketing strategies to both sales and service, helping to improve campaign performance and grow stronger customer relationships.
Solutions for Credit Unions
Expand member relationships and grow revenue with market-specific solutions.
Solutions for Energy Industry Marketers
Expertise and proprietary data from Equifax allows energy marketers to better align marketing strategies to both sales and service, helping to improve campaign performance and grow stronger customer relationships.
State Onboarding Compliance Product Sheet
State new hire notifications can be overwhelming. Our State Onboarding Compliance solution can help. We track legislation to help keep you on-top-of evolving state required new hire notifications and our technology makes the process straightforward to help you get the right form the to the right employee at the right time.
Talent Report
Why rely on a job candidate's self-reported data, multiple vendors, or potentially dirty and incomplete data to begin background screening? Talent Report™ from Equifax offers a reliable solution to validate a candidate's identity plus uncover additional key data for use in state and county criminal history searches. With the vast breadth and depth of data sources available from Equifax, we can help you begin an efficient screening process with authenticated data from a single provider, efficiently delivered to your team via API. Learn more by viewing our product sheet.
Tax Form Management
Eliminate cumbersome, dated tax form distribution processes and create more time for strategic work. Tax Form Management from Equifax offers efficient, automated systems for managing employees' tax forms, giving your payroll and benefits departments much needed relief during tax season and beyond.
The Foundation of IXI Data
Unique IXI Data Foundation: Direct-Measured Assets
Our exclusive network of 95+ leading financial institutions directly measures about $19 trillion in anonymous U.S. consumer assets & investments, representing over 47% of all U.S. consumer invested assets. Our patented process collects & classifies anonymous consumer asset data, combines it with proprietary measures of income, discretionary spending, and credit, providing a more complete picture of households' likely financial and economic positions.
The Work Number: Best Practices in Data Management
Equifax Workforce Solutions maintains robust security practices in order to effectively manage the evolving threat landscape and dynamic compliance requirements. We know it is important for you to have confidence in the vendor you choose to handle your employees' personal information. Protecting the data entrusted to us is our top priority.
TotalView - One connection puts everything within reach
TotalView from Equifax is a streamlined, economical way to access a broader portfolio of Equifax data sources. Consume more data from a single source. Reduce the time, investment and complexity that was once a barrier to gathering deeper intelligence.
Transform Restaurant Marketing by Leveraging Transactional Data
Few restaurants leverage their wealth of transactional point-of-sale data to better understand their customers beyond their dining experience. With TokenIntel from Equifax, marketers can gain a broader understanding of their guests' estimated financial profiles, attitudes, and demographics, and can transform their data for omni-channel marketing. In addition, by using insights on guests' household locations, they can make more informed decisions about market potential for new site locations.
Trended Data Solutions
Equifax trended data solutions can help by giving you a deeper understanding of consumer financial behavior. Analyzing and trending financial data over a period of time can show you the trajectory of a consumer's spending and repayment behavior by revealing patterns, or trends, in the data.
UCM for Reimbursing Employers
The nonprofit sector is the third largest employer group in the US, with nearly 11 million employees. Unemployment claims can have an immediate and real financial impact on these employers.
UCM Wage Audit Solutions
Wage audits are a critical tool for states looking to help reduce improper payments. Yet for many employers, responding to wage audit requests is becoming more cumbersome.
UI Integrity Penalties by State
There are a variety of state interpretations on the definition of a pattern of insufficient and untimely claims. This map can help clarify definitions for each state.
Unemployment Cost Management: We Get It. We Got It.
For employers, Unemployment Cost Management (UCM) can be really complicated. Equifax puts more than 65 years of experience, our CaseBuilder technology workflows, and UCM management and reporting best practices to work for more than 6,000 employers nationwide.
Unemployment Insurance (UI) Integrity
In 2011, Federal requirements mandated that states enact UI Integrity legislation to help reduce improper unemployment benefit payments. All states now have legislation in place and many are starting to enforce and assess penalties.
VantageScore Product Sheet
Learn how VantageScore is setting a new standard for predictive performance and modeling innovation.
Verification Exchange
The new Verification Exchange from Equifax leverages the best practices established over the past two decades through The Work Number, the industry-leading verification service in the United States, to deliver the Canadian marketplace a new verification solution
Verification Exchange - Record of Employment
As part of the new Verification Exchange in Canada, an income and employment verification solution similar to The Work Number, Equifax will provide Record of Employment on behalf of employers with Canadian workforce
Verification Services for Auto Dealers Product Sheet
Verification Services Overview for Auto Dealers
Verification Services for Auto Lenders Product Sheet
Verification Services Overview for Auto Lenders
WealthComplete - Digital Targeting Segments
Digital targeting solutions enable marketers to better deliver the right message to desired target audiences online based on consumers' likely interests and economic profiles.
WealthComplete – Assets Digital and Deposits Digital help IXI Network Member Firms target consumers online based on an estimate of consumers' household-level total asset wealth.
These segments are based on aggregated attributes at a geographic level and neither contain nor reveal any personally identifiable information.
WealthComplete HD
WealthComplete Provides a Complete Picture of Assets for Every U.S. Household
WealthComplete® enables financial services firms to find the hidden potential among their customers. It provides estimates of total assets at the household level, so you can better measure customer growth potential and share of wallet.
WealthComplete also provides asset estimates for six product categories and sub-categories, so you can measure asset allocation and share of wallet by product category.
WealthComplete Product Sheet
WealthComplete Provides a Complete Picture of Assets for Every U.S. Household
WealthComplete® enables financial services firms to find the hidden potential among their customers. It provides estimates of total assets at the household level, so you can better measure customer growth potential and share of wallet.
WealthComplete also provides asset estimates for six product categories and sub-categories, so you can measure asset allocation and share of wallet by product category.
WeVerify I-9 Solution
We take the complexity out of E-Verify. Forget about trying to relearn the process every time you hire a new employee. As one of the largest E-Verify employer agents, our solution makes E-Verify simple and straightforward, so you can get back to what matters most – growing your business.
Work Opportunity Tax Credit (WOTC)
Improve your WOTC tax credit program through identification, verification, certification, and expansion of additional credits.
Affordable Care Act Subsidy Guide for Employers
Learn more about subsidies and their impact on both employees and employers. You'll find answers to the most common question like: What is a subsidy? Who should or should not get one? How and when I should appeal a subsidy? How does the subsidy process work?
Comprehensive Data and Insights that Drive Smarter SMB Lending
Small businesses are the golden opportunity for commercial lenders. They represent almost all businesses in the American economy. To grow and thrive, small businesses need access to capital and resources to help sustain their operations and increase revenue.
Dual Value of the Work Opportunity Tax Credit
The Work Opportunity Tax Credit (WOTC) can be a valuable tool to help you increase your organization's income through hiring. But did you know there are several other benefits, including helping to reduce turnover? Learn more about how you can take advantage of these and other benefits as well as best practices to help make the WOTC process easy and effortless.
Equifax Risk Based Authentication
A risk-based authentication process can unobtrusively verify the identity of the account holder to guard against fraud without interjecting additional steps.
Fighting Fraud On The Small Screen
Comprehensive Fraud Mitigation Solutions Support Consumer-friendly Mobile Device Account Origination
Follow the Workforce
Learn about the often overlooked unemployment tax issues that should be considered in the M&A transaction management process.
Gauging U.S. Recession Risk
This white paper will walk through some of the concerns surrounding the timing of recessions, and what Equifax Credit Trends data might tell us about whether current conditions warrant worry.
How Equifax's Proprietary Valuation Methodology Leads to Accurate and Transparent Property Valuations
How To Become Your Customers' Favorite Bank (Even If You Can't Be Their Only One)
A commissioned study conducted by Forrester Consulting on behalf of Equifax | January 2019
Identifying High Spend Consumers with Trended Credit Data
A data-driven comparison study that reveals how trended credit data can help businesses drive stronger, more profitable marketing and sales strategies by more accurately targeting high-spend consumers in the market.
Identifying the Emerging Affluent to Start Lifelong Relationships - A Financial Marketer's Guide to Mass Affluent Millennials
A deep look at the Millennial generation and how its financial profile differs from prior generations, how different groups of Millennials differ from one another, and some of the best tactics financial marketers should employ for reaching this generation.
Increased Predictiveness of SMB Risk through Configured Data
This white paper will explain how the Commercial Financial Network (CFN), an ever-expanding network of data powered by the revolutionary technology and analytics of Equifax IgniteTM, can solve challenges for lenders.
Know More. Hire Smarter.
Looking to increase employee retention and reduce turnover? Begin with smarter hiring. In this insights guide, you will learn how accessing candidates' verified work history can help infuse additional insight in the hiring process, later translating to potential increases in key metrics such as increased retention and tenures.
Rethinking Risk
Five Barriers to Effective B2B Credit Risk Management — and How to Transcend Them
Scoring Credit Invisibles
Using machine learning techniques to score consumers with sparse credit histories
Ten Years Later, We Are Smarter
Find out how new opportunities have emerged from the Great Recession for telecommunications providers.
The Mortgage of the Future
As financial services technology changes rapidly, the mortgage industry's reputation for being behind the times has persisted. The origination process is complex and home loans are high-stakes transactions, but manual processes and reviews remain widespread while automation has been uneven. A survey of mortgage professionals provides a closer look at the transformation the industry believes it needs to keep its place, the factors driving innovation, and the obstacles standing in the way. A survey of mortgage professionals provides a closer look at the transformation the industry believes it needs to keep its place, the factors driving innovation, and the obstacles standing in the way.
The Resurgence of New Account Fraud
Effective Fraud Mitigation Solutions to Help Combat the Next Generation of New-Account Fraud
The Stark Reality of Synthetic ID Fraud
How to Battle the Leading Identity Fraud Tactic in The Digital Age
Top 10 Takeaways on Leveraging Big Data for Fraud Mitigation
Getting a "Big Data" view of anything is just a means to an end. For fraud fighters, a major goal is reducing fraud losses.
US Outbound Travel in 2016 - A White Paper
Travel marketers use segmentation & insights to better understand customer & prospect purchase history, location and lifestyle habits. Segmentation can assist in the identification of frequent US travelers and improve messages for more effective marketing programs.
With Workforce Enforcement Increasing, I-9 Compliance is Essential
Over the past year, the U.S. Department of Homeland Security has communicated that one of its top priorities is immigration enforcement. There's no doubt that this renewed focus has immediate implications for human resources professionals through increased worksite enforcement.
ACA Management Success Story - Large Retailer
Learn how a large retailer with over 10,000 employees across 1,000+ locations was able to select and efficiently implement an ACA management solution to complete annual reporting on-time.
ACA Subsidy Management Success Story - Global Shipping Firm
Learn how a global freight, shipping, logistics and supply chain management company found the efficient ACA subsidy management and appeal solution it needed from Equifax.
ACE Loans Improves Lending Efficiency with Equifax BusinessConnect
With its strong reputation for supporting customers and the community, ACE Loans wanted an optimized process that enabled them to remain customer-focused and make smarter, faster point-of-sale decisions. The lender found what it needs in Equifax BusinessConnect.
A Visual Case Study: Jackson Healthcare and Improving ACA Compliance
Jackon Healthcare improves ACA compliance through a cutting-edge analytics platform from Equifax.
Better Identify Consumers for Hospitality Offers
Enhancing existing segmentation systems with estimated consumer spending measures can help identify households that are more likely to have the financial ability to purchase travel and timeshare offerings and help improve campaign efficiency.
Brokerages Find Value in Low Potential Customers Using WealthComplete
Some brokerage customers hold relatively low balances which, coupled with limited upside potential, results in high service costs for minimal return for the firm. WealthComplete can help address this.
Captive Auto Lender Discovers Likely Financial Capacity of Consumers for New Electric Model
An auto manufacturer and its captive financing arm needed to provide insight to dealers on the target audience of a new model to ensure effective sales, particularly since the target audience was significantly different from the typical buyer of the brand.
Case Study - Financial Services Institution
A financial services institution recovered $2.4M in employment taxes with help from Equifax
Case Study - National Restaurant Chain
A national restaurant chain consolidated two predecessor legal entities into a third legal entity and recovered $700K in employment taxes with help from Equifax
Connexus Plus Helps Minimize Risk with a Safe Haven for Customer Data
Connexus® Plus is a robust service for data stewardship, data management and data security. Using state of the art technology, the Equifax data linking service helps you to accurately identify and link customer information regardless of address changes, name changes, or name variations.
Credit Union Best Practice: How to Leverage Measured Wealth to Enhance Targeting and Drive Deposit Growth
Credit unions often strive to grow deposits from existing members, yet may not have an efficient way of identifying the best candidates for promotions. Credit unions can work with Equifax to conduct an analysis of the deposit-growth potential of their member-base to learn the likely amount of deposits held by current members at other firms. Credit union marketers can then set goals to capture a portion of those deposits and develop campaigns to target qualified members.
Deep-Subprime Auto Lender
See how a subprime auto lender used the Equifax Ignite Configurable Score - Auto
Determining the Opportunity and Creating Client Treatment Groups - Best Practices for Banks
Banks need to be able to identify their ideal target audience for direct mail campaigns, yet they ousually only have a view of what their clients hold with them resulting in decreased efficiency and missed opportunities. Banks can utilize WealthComplete total assets estimates to identify, prioritize, and target high opportunity customers for cross-sell and up-sell campaigns.
Financial Institution Best Practice: How to Leverage Measured Wealth to Enhance Targeting and Drive Deposit Growth
Financial institutions often strive to grow deposits from existing customers, yet may not have an efficient way of identifying the best candidates for promotions. Financial institutions can work with Equifax to conduct an analysis of the deposit-growth potential of their customer-base to learn the likely amount of deposits held by current customers at other firms. Financial marketers can then set goals to capture a portion of those deposits and develop campaigns to target qualified customers.
Full-Spectrum Auto Lender at Application
See how an auto lender used Equifax Ignite Configurable Score - Auto
Growing Revenue by Aligning Customers with the Right Service Level Using WealthComplete
Today, many banks place customers into various service levels based on internal data or demographic data, which may provide an incomplete or inaccurate view of the customer and is particularly limited in describing customers' growth potential and asset allocation. This limited view results in lost opportunities and over-servicing.
Hard Rock Cafe - Automated Compliance, Real Engagement
Learn how Hard Rock has been able to improve employee engagement in benefits, reduce its risk and slash administrative tasks related to ACA compliance, while freeing up resources and helping control healthcare costs.
How Cruise Marketers Can Better Identify High-Potential Audiences
Increase the efficiency of your campaigns! Cruise marketers can apply consumer spending measures to life-stage/income segmentation systems to better identify prospective and existing cruisers that are more likely to have the discretionary funds for premium offers.
How Retailers Can Better Identify High-Potential Prospects - Use Case
By using economic insights, retailers can better identify high-potential households who are likely to have purchase affinity. Retailers can use insights to better define audiences for marketing campaigns and help improve the efficiency of their marketing efforts.
How Retailers can use Consumer Spending Insights to Help Enhance their Loyalty Programs - Use Case
Retailers can score their customer files with IXI's estimated spending capacity measures to help better differentiate customers by their spending trajectories, quickly apply focused strategies to high-potential new customers, and adjust loyalty program members.
Leading Bank Enhances Prescreen Efficiency for Card Acquisition Campaigns
Prescreen list development was taking longer than desired due to manual processes that could not efficiently handle the sophisticated prospect selection criteria. This hampered the number of prescreen campaigns, and the quantity of prospects identified for firm offers of credit. Segment Manager, an online segmentation management tool, was able to rapidly handle its complex prescreen list selection criteria.
Leading Bank Leverages Financial-Based Digital Targeting to Power Deposit Growth Campaign
A leading bank traditionally relied on running campaigns on common financial sites and utilizing premium targeting options across portals. In an effort to increase initial deposit amounts and the long-term value of each conversion, the firm sought to gain more control over which online visitors were seeing its ads, improve the efficiency of its targeting buy, and increase the profitability of new customers. The firm turned to Financial Cohorts for segmentation and digital targeting segments.
Lennox Transforms Credit and Collections with Help of Dynamic Equifax Solution
Lennox needed a more consistent and connected process for reviewing and approving customers and recovering debt. The company achieved this and more with the help of a world-class credit management solution from Equifax.
Leverage Keying and Linking Technology to Free Up Internal Resources
Deliver Faster Insights When Big Data Becomes a Challenge
Leverage PhoneReveal from Equifax as a Tool in TCPA Risk Strategies
Nationwide Fortune 500 Company Leverages PhoneReveal from Equifax as a Powerful Tool in its TCPA Risk Strategy
Link Customers and Offer Exclusive Discounts with Keying and Linking Technology
Creating a Better Customer Experience in a Click
Mortgage Customer Retention & Recapture
Better Identify Borrowers That Are Likely to Prepay
Mortgage servicers and investors need new insights into which mortgages are more likely to prepay in order to support customer retention programs and enhance modeling accuracy. Mortgage executives can utilize Income360 household-level total income estimate to better understand borrowers' current financial capacity, and identify and segment loans that are more likely to prepay.
Quantifying the Opportunity and Creating Client Treatment Groups - Best Practices for Brokerage Firms
Brokerage firms and their financial advisors need to be able to understand the hidden asset potential within their client base. However, they often only have a view of what their clients hold with them, resulting in decreased efficiency and missed opportunities. Brokerage firms can utilize WealthComplete to quantify growth opportunity and help financial advisors prioritize their efforts.
Reaching Profitable Younger Prospects with Precise Segmentation and Targeting
Due to increased competition for deposits, many banks are focused on attracting new customers with the demographic and financial profiles most likely to develop into profitable, long-term relationships.
Reaching the Right Audience Online with Wealth-based Targeting
A leading financial services firm leveraged our wealth-based Digital Targeting Segments to improve its online targeting by serving ads to consumers that were likely to have the desired financial characteristics for its products and services, while maintaining consumer privacy.
South Carolina Federal Credit Union Enhances Targeted Marketing
South Carolina Federal Credit Union wanted to overcome the limits of traditional segmentation measures to better identify and market to a niche group of members that were not being adequately served within its target market and shift from a product-based to a needs-based approach for sales and marketing efforts.
Streamlined Monitoring Helps Mitigate Regulatory Risk
Our AML Compliance portfolio monitoring provides a streamlined, cost-effective process for monitoring client portfolios, while offering maximum data coverage.
Surpassing Online Cost per Acquisition (CPA) Goals with Financial and Economic-Based Audience Targeting
Gauging the success of current online campaigns by comparing them to the performance of past campaigns is not enough. Most campaigns have significant room to improve, whether measured via Cost per Acquisition (CPA), impressions, conversions, or other metrics. An Equifax customer decreased the CPA of its online ad campaign by using our digital financial and economic measures to better target qualified prospects.
Top 10 Bank Redefines Branch Goals Based on Market Opportunity with MarketMix
A leading U.S. bank needed to assess branch performance. They knew which branches had the highest Assets Under Management (AUM), but were unsure how those branches compared to competitive branches in the area. The bank also wanted to know which branches were underperforming relative to market opportunity. The firm used MarketMix to analyze branch performance.
Trended Credit Data Delivers Predictive Risk Insight to Help Proactively Protect Your Business
A national financial services company wanted to enhance their risk models to improve their ability to identify consumers who are more likely to default. They needed a solution to help better identify consumers that pose a possible default risk.
Trended credit data helps companies target the best consumers that will actively use their revolving cards
A credit card provider needed to better identify consumers who would be active on a revolving account in the next 12 months to improve targeting precision and appropriate marketing spend.
Trended Credit Data Helps Increase Marketing Profitability and Improve Targeting Precision
A national credit card provider wanted to increase acquisition profitability by improving the way they targeted active customers. They needed a solution to better target customers more likely to take positive action while delivering a better marketing ROI.
Trended Credit Data Helps Increase Revenue by Supporting More Precisely Targeted Balance Transfer Offers
A national credit card company wanted to increase revenue by targeting consumers who are more likely to transfer a balance greater than $500 over a 12-month timeframe. They needed a solution that could help precisely target the best candidates for balance transfer offer.
Trended credit data helps more precisely target consumers most likely to open a first mortgage
A national lender wanted to hone the focus of their marketing spend and better identify consumers likely to open a first mortgage in the next 12 months.
Trended Credit Data Helps Target High-Value Customers to Increase Revenue and Improve Marketing Success
A national bank wanted to build more market share and also proactively target consumers more likely to be high spenders in the next 12 months. They needed a solution to more accurately predict propensity to spend while creating profitable returns on marketing investment.
Trended credit data helps target the best consumers for a credit line increase to drive more organic growth
A credit card provider wanted to improve their ability to identify consumers who were best positioned to receive a credit line increase (CLI) of $1,500 and not go delinquent in the following 6 months.
4 Steps to Help Get Your Off-Site I-9s Done Right
View this on-demand FREE online educational seminar with I-9 experts from Equifax Workforce Solutions. We focus on best practices for helping manage off-site I-9s to help keep you in check with strict I-9 regulations. Our team walks you through steps you can take to help make sure your organization gets it right.
Affordable Care Act Pay, Play, Now What
Legal expert Tom Dowling of Stinson Morrison Hecker and workforce expert Mike Psenka of Equifax Workforce Solutions discuss best practices for the ongoing management of your Affordable Care Act (ACA) strategy. This webinar took place on April 17, 2013 prior to any additional legislative updates.
An FCRA Refresher for Compliant Cross Selling: Ensuring Permissible Purpose
Tammy Stacy, Deputy Chief Compliance Officer for Equifax, provides insight into the trends observed in CFPB-regulated financial institutions, recommendations around FCRA compliance, and the differences between cross-selling and prescreening.
Art of Engagement Using the Science of Numbers - Best Practices in Customer Engagement
Watch this on-demand webinar to learn best practices for Communications Service Provider marketers, including Best Practices in Customer Lifetime Value. Communications marketers can better leverage their wealth of in-house customer data by enhancing their Customer Lifetime Value (CLV) modeling for use in customer engagement marketing activities. Equifax can help clients take advantage of their customer data, enhanced with economic data, to create more comprehensive Customer Lifetime Value calculations and help augment their marketing program strategies.
Commercial Credit Trends Outlook Webinar from Equifax – Q1 2018
Equifax chief economist Amy Crews Cutts shares the latest commercial credit trends and outlines what changes she sees in store for the U.S. and economy and where she believes the economy is headed. She discusses recent commercial economic data, as well as new issues that are emerging on the economic landscape including changing interest rates, the Trump administration's priorities and global politics.
Day 1 Certainty™ Best Practices – What You Need To Know For A Successful Implementation
Since Fannie Mae implemented its DU® Validation Service, many mortgage lenders have hit a speed bump while trying to implement the Day 1 Certainty™ program. During this webinar, Equifax experts share their experience with lenders regarding program implementation and provide best practices for a smooth and efficient roll out. They also share recommendations to successfully request income and employment verifications from Equifax to minimize processing time and improve borrower experience.
Dot-To-Doc: Highlight Reel
Learn more about HR unemployment documentation and risk in this highlight from the full Dot-To-Doc webinar
Enabling Easier Rules Management with InterConnect
Learn how InterConnect's Rules Editor defines, tests and optimizes business rules and lets users quickly modify or create new rules, develop test data sets for repeated use, and create a more bullet-proof business strategy.
How Alternative Data and Advanced Analytics Give Utilities A Competitive Edge
Utilities need more effective ways to assess how they serve consumers for bill payment, deposit strategies and processes. Learn how alternative data and advanced analytics can help utilities drive increased revenue and margins while reducing credit risk and loss rates
Ingredients for Restaurant Success - Better Leverage Data to Help Attract and Engage Valued Guests
Restaurant marketers attended "Ingredients for Restaurant Success" to better understand ways to leverage the wealth of their in-house POS data for marketing activities and enterprise-wide decisions. Equifax can help clients take advantage of their internal data, enhanced with economic data, to create a more comprehensive view of guests and inform better decision-making.
Mastering the Customer Experience: What Consumers Expect from Financial Institutions
PRESENTER(S): Peter Wannemacher, Principal Analyst at Forrester Research Chris Atwood, SVP, Senior Marketing Officer, Equifax Inc.
Military Lending Act -- Are you Ready
Speakers shared valuable insights about the Military Lending Act (MLA) background and the new requirements associated with the MLA Final Rule starting October 3, 2016.
Nebulous Digital Marketing Investment is Dead
Join Equifax as Mykolas Rambus, General Manager of Data-driven Marketing at Equifax, and guest speaker, Shar VanBoskirk, Principal Analyst at Forrester for an eye-opening webinar, Nebulous Digital Marketing Investment is Dead, where you'll hear why and how financial services brands are shifting their digital focus from quantity toward quality as they seek to connect with higher-potential, lower-risk audiences across their digital channels.
Neural Networks for Credit Decisioning
Cracking Open The Black Box
PODCAST: Customer Lifetime Value Best Practices for Communications Marketers
This podcast discusses CLV and Customer Equity. Better leverage in-house customer data by enhancing Customer Lifetime Value (CLV) modeling for use in customer engagement marketing activities.
Equifax can help clients take advantage of their internal data, enhanced with economic data, to create a more comprehensive view of guests and inform better decision-making.
Proven WOTC Best Practices for Day 1 Success
Get with the knowledge you need to help break down the barriers that could be stopping your organization from capturing these impactful employer tax credits!
Q1 2017 U.S. Economic and Credit Trends Outlook from Equifax
Make more informed decisions with economic and consumer credit insights from Equifax
Q1 2018 U.S. Economic and Credit Trends Outlook from Equifax
The webinar will discuss overall trends in consumer credit, as well as brief deep dives into HELOC, mortgage, auto, card and general consumer finance. An additional special report will take a deeper dive into current vintages to assess payment performance and defaults for key tradelines.
Q2 2017 U.S. Economic and Credit Trends Outlook by Equifax
Chief Economist Amy Crews Cutts delivers insights that can help drive strategic growth at your organization. During this webinar, Amy will discuss:
- U.S. Economic Overview
- U.S. Consumer Credit Trends
- Special Report: Recession Outlook
Whether you lead Credit Risk, Corporate Risk, Strategy & Planning, or Marketing, you will gain valuable economic and consumer credit insights to help drive strategic growth.
Q2 2018 U.S. Economic and Credit Trends Outlook from Equifax
Join Equifax as chief economist Amy Crews Cutts, with guest Cristian deRitis from Moody's Analytics, deliver insights that can help drive strategic growth at your organization.
Q3 2017 U.S. Economic and Credit Trends Webinar
Make more informed decisions with economic and consumer credit insights from Equifax
Q3 2018 U.S. Economic and Credit Trends Outlook from Equifax
Join Equifax as deputy chief economist Gunnar Blix delivers insights that can help drive strategic growth at your organization.
Q4 2017 U.S. Economic and Credit Trend Webinar
This webinar will highlight overall trends in consumer credit, as well as brief deep dives into HELOC, mortgage, auto, card and general consumer finance.
Q4 2018 U.S. Economic and Credit Trends Outlook from Equifax
During this webinar, Amy Crews Cutts, Senior Vice President and Chief Economist at Equifax and guest Cristian deRitis, Senior Director from Moody's Analytics discuss the latest trends impacting the U.S. economy and consumer credit.
Reaching for Retail Nirvana - Better Leverage Data To Identify And Engage Your Valuable Shoppers
This webinar discusses ways that retailer marketers can work towards a "retail nirvana" – defined here as improved customer engagement through a 360-degree view of their customers and prospects. Many Equifax clients have used syndicated segmentation frameworks to leverage in-house and third-party data and help implement best practices, overcome departmental silos and better utilize their internal data.
Scoring More Consumers with VantageScore 4.0
This webinar, held on May 3, 2018, co-hosted by Equifax and VantageScore, covered new innovations for scoring more consumers with the latest advancements such as trended data and machine learning techniques.
The Impact of Digital Transformation on Customer Experience: Are You Leaving Money on the Table?
Does your digital experience leave customers feeling annoyed or in control? Join Equifax and guest speaker, Maxie Schmidt-Subramanian, from Forrester Research as we explore how delivering an integrated and frictionless digital experience can improve loyalty and ultimately drive business growth.
Unemployment Mock Hearing - Verbal Abuse in the Workplace
Take a deep dive into a real unemployment hearing as we act out a case that revolves around verbal harassment in the workplace. Listen in as our experts highlight throughout the case the correct steps that HR departments should take before and during an unemployment hearing.
Walking the Tightrope: Striking the Balance Between Fraud Prevention and User Experience
Application fraud and account takeover are rapidly rising in the U.S. and many FIs financial institutions are scrambling to deploy mitigating controls. At the same time, the rising bar of customer expectations is pressuring FIs them to remove friction and increase functionality to create seamless digital experiences for their customers.
Webinar on Demand - CECL: Putting the Puzzle Together
The biggest change EVER to bank accounting is coming. Now is the time to prepare for the new CECL standard.
10 TCPA-Related Tips To Consider
The Telephone Consumer Protection Act (TCPA) is prompting more litigation, and particularly class-action litigation, than ever before. Strict compliance with all relevant TCPA rules is critical to any business that contacts consumers through telephone technology. Review these tips to help you manage your consumer contact strategies.
5 Key Capabilities of Synthetic ID Detection Solutions
Effective risk-detection solutions must be robust enough to handle both increasing volumes of pertinent data and savvy criminals. Learn whether your fraud detection solution has the key capabilities you need to reduce losses and improve operational efficiency
ACA Subsidy Toolkit for Employers
Get the Equifax ACA Subsidy Toolkit for Employers for access to valuable resources to help you manage subsidy appeals, including: - An ACA subsidy FAQ document for employees, - A sample employee education poster, - A best practice guide for benefits and HR staff, and - An ACA subsidy process road map.
A Guide To Better Digital Advertising Through Data
Tactics, tools and real-life brand case studies that show advertisers how they can use additional data sources to help improve their online advertising campaigns.
A Guide to Ditching the Old School Method of Outcome Data Collection.
Ready to ditch your "old school" methods for graduate outcome data collection? This ebook from Equifax outlines why higher ed's commonly-used outcome data collection methods (surveys, outbound calls, social media searches, scraped data purchases) aren't providing the full picture required to successfully guide an institution's strategic initiatives. Included is an introduction to "new school" options that provide accurate, timely, and longitudinal metrics that help unlock new insights in departments campus-wide.
Aligning Sales, Credit, and Collections for Maximum Efficiency and Speed to Revenue
BusinessConnect™ Offers a Unified Customer Lifecycle Management Solution for Organizations
Business to Business Digital Targeting Segment Details
The Business to Business Digital Targeting Segments enable marketers to improve targeting, increase response rates and reduce marketing costs while reaching desired target audiences online based on business attributes. These segments leverage attributes from the Equifax Commercial Marketing Database. The data comprises over 42 million business site locations. Independent studies confirm that 10% of these commercial records are unique to Equifax and concentrated in micro- to small-sized business.
Different is the new paradigm. Be Different.
The future has arrived. It's time to think differently about data and analytics and transform the way you do business. Read Part 3 of our ebook to learn how to deliver differently.
eBook: Develop a Winning CECL Strategy: 3 Tips for Success
This eBook provides actionable insights and tips to help you gain confidence in your CECL plan and develop a winning strategy.
Employer's Guide: Unemployment Hearing Case Analysis
Dive into 12 unemployment hearings where we examine evidence from both the claimant and the employer. Giving you unmatched insight on the decisions handed down from the Administrative Law Judge and The Board of Review. You'll learn key takeaways for how states review separations and the type of evidence that might be needed.
Equifax Alliances Enabled for Audit By Loan Number
With the implementation of GSE validation programs, flexibility in the way that lenders purchase and access verification solutions from Equifax is of utmost importance. Download this one-pager for a list of strategic and technology alliances that are enabled for the Audit By Loan Number solution from Equifax for participation in GSE validation programs.
Equifax Q&A with Forrester
Find out what Maxi Schmidt-Subramanian, Principal Analyst with Forrester Research, says about the impact of digital transformation on customer experience (CX).
Forget Everything You Thought You Knew About Big Data and Analytics: Part One
Think differently. Be different. There is a paradigm shift happening: the market needs more tailored data solutions that don't take months to deliver. You need a solution that can meet market demand through a frictionless process that reduces building, testing and deployment from months to days. Different is the new paradigm. Read Part 1 of the eBook.
Fraud Detection and Prevention eBook: A Guide to Fraud Detection Solutions and Best Practices
A Guide To Fraud Detection Solutions and Best Practices
Freddie Mac Automated Income Assessment – Frequently Asked Questions
Do you have questions about leveraging Equifax verification solutions to participate in the Freddie Mac Automated Income Assessment program? Review these Frequently Asked Questions for details about how the program works, specifics about eligible Equifax solutions, and more.
Getting Employees On Board with Off-Site I-9s
Get the Guide to Make I-9 Completion Easier Anywhere You Have New Hires Is your company's workforce spread across the U.S.? Then you likely know the challenges of off-site Forms I-9. With ICE audits on the rise, I-9 compliance is essential. This e-book helps make I-9 completion easier anywhere you have new hires.
I-9 Audits are Increasing. Get the Guide to Help You Survive
Immigration and Customs Enforcement (ICE) is increasing its employer audits. Every company needs a completed Form I-9 for every employee (and certain former employees) ready to provide when ICE comes calling. Not ready for an audit? We get it. Equifax Workforce Solutions has a free I-9 Audit Survival Guide that helps employers get Forms I-9 in order, and keep them that way.
In Search of the Purple Squirrel: Top 3 Reasons Why You Need to Use Pre-Employment Verifications
This e-book will examine the impact of living in an age where the truth can become a mystical concept and why HR should be using Pre-Employment Verifications to help transform how they are making hiring decisions.
InterConnect - a Product Review from Decision Management Solutions
Equifax InterConnect is a secure, cloud-based decision management platform for defining and executing decision policies at the front line. It provides a streamlined technology platform for developing powerful decisioning strategies based on easy accessibility to robust data and transparency in consumer acquisition.
Is Fraud Mitigation on Mobile Devices A Riskier Business?
The increasing demand for mobile access to banking transactions and other e-commerce activities will likely result in system weaknesses that fraudsters will try to exploit.
Making the Most of Pre-Employment Verifications
Are you considering or currently using Pre-Employment Verifications to confirm job candidates' employment history? Read our eBook "Making the Most of Pre-Employment Verifications" to learn tips on how employers can utilize this offering during hiring to help learn more about a candidate, make more-informed hiring decisions, and realize increased retention and decreased turnover.
Overview: Data-driven Marketing Solutions
Marketing Precision To Drive Maximum Customer Value. That's Data-driven Marketing.
Sealing the Deal: A Dealer's Guide to Knowing Your Buyers Better To Sell More Cars
We get it. You need to get shoppers into your dealership and into the right vehicle — as quickly and easily as possible. That's where Equifax comes in.
Some Facts About Recession Risk
Information from "Gauging U.S. Recession Risk" by Equifax Chief Economist Amy Crews Cutts and Deputy Chief Economist Gunnar Blix
State Separation Notice Guide
State Separation Notice Guide for Employers
Straight Talk from the Next Generation of Credit Card Customers
The eBook, Straight Talk from the Next Generation of Credit Card Customers, discusses what Millennials want, don't want and the number one reason they'll pick your card over others.
Testimonial: See Why a Ford Dealer in Indiana uses Income Verifications
Learn how Automated Income Check from Equifax can help verify employment status and income.
The Evolution of Commercial Credit Decisioning
An Analysis of How Decisioning Methods Have Changed Over Time
The Pursuit of Profitability
The Pursuit of Profitability takes a look at the Great Recession, discusses the path of economic recovery, and presents changing financial behaviors that emerged post-recession. The eBook shares practices to help win Affluent and Mass Affluent households.
Trended Credit Data Attributes in VantageScore 4.0
Learn about the integration of trended data into VantageScore's 4.0 model design and its impact on performance.
Ultimate M&A Employment Tax Checklist
Did you know that employment tax overpayments during an M&A can cost a business hundreds of thousands of dollars? Even if you've already been through an M&A, you may still have time to collect retroactive refunds.
Using Trended Data to Better Understand Customer Behaviors
The ability to effectively target offers and foster loyalty is contingent on successfully predicting consumer behavior and spend. Trended, historical, longitudinal or time-series data is an invaluable tool for gaining practical perspective into consumer behavior.
VantageScore – 2017 Market Study Report
This market study provides the results of the primary research showing VantageScore's usage across the entire lifecycle of consumer lending except mortgage originations.
VantageScore 4.0 Overview Brochure
VantageScore 4.0, the fourth-generation tri-bureau credit scoring model from VantageScore Solutions, sets a new standard for predictive performance and modeling innovation, pioneering several industry "firsts" that benefit lenders and consumers alike.
Work Opportunity Tax Credit (WOTC) Target Group Checklist
WOTC is truly a win-win program: employees who may have a difficult time finding a job gain employment, and employers who hire them are eligible for federal tax credits up to $9,600 per eligible employee.
Many organizations are hiring WOTC-eligible employees but aren't taking full advantage of the federal tax credits. Download our printable guide to help you understand who is eligible for this valuable tax credit.
WOTC: Fact vs. Fiction
We've busted six (6) of the biggest WOTC myths that could stop you from maximizing your savings. You might think that applying for the Work Opportunity Tax Credit (WOTC) won't help your company much, however, that's simply not the case. Learn how WOTC can boost both your company's bottom line ─ download now!


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Zero to $1 Million in 18 Months Forex Trading
What if I let you follow along, looking over my shoulder every step, and show you how to use forex trading to go from Zero to $1 million in 18 months? Sound like fun?
Is it possible, as a forex trader, to go from nothing – start from absolute scratch, zero funds - to being a millionaire in 18 months? That's right, I said 18 months (or less – I vote for less, because I have no patience at all, really). IS that possible? Well, I think I can safely promise you this much – It should certainly be an interesting journey finding out.
Sure, this is probably insane, but I'm crazy enough to try it if you guys are interested in watching me try it.
I've laid the groundwork already: Starting from scratch, no cash at all, the first thing we have to do if we're going to trade the currency markets is to raise a trading stake. Well, I already did that part. How? By taking paid surveys online, every day for a month, making about a whopping one dollar a day for what often took several hours of work a day. It's not a good way to make money, but if you have absolutely nothing, it IS a way to make money. So, I've raised a starting stake of about $50. I would never recommend that anyone commence forex trading with anything less than at least $100, but since I'm being crazy here, I might as well be a bit reckless, too.
Okay, we're going to make a million dollars (or more).
We're going to do it in 18 months (or less).
And we're going to start with virtually nothing ($50).
Trading strategies are key
Now, HOW are we going to accomplish this? Well, obviously we're going to be doing some serious day trading because to achieve our goal, we're going to need to multiply our trading capital quickly and consistently. Specifically, I plan to utilize a trading strategy that I have used profitably before, trading primarily on the 15-minute time frame. However, I'm sure that I'll be mixing in hourly, 4-hour, and daily charts as well. And as we go along, of course, I'll share my basic trading strategy with you (for FREE!). If you need an online forex strategy if you want to try to make a million also. you can also trade with the Winners Edge Trading Double Trend Trap to follow along. You can also pick up Winners Edge Trading Strike Momentum Indicator that helps to find market momentum before entering a trade.
There will probably be some gambling involved. Here and there, I'll take a shot at top picking, bottom picking, and just taking the occasional blind flyer ("Why don't we sell Usd/Nok today, just for fun?"). Trying to make a million dollars in 18 months necessarily means taking some risks. However, I will (hopefully) stick with the basic trading strategy I have in mind. Actually, I have two strategies in mind, but the second one is designed for trading the 4-hour time frame, and we'll need to increase our trading stake a bit before we can move up to trading that time frame.
Now, how can you follow along with me on this adventure? I thought I'd do something like link the account to MyFxbook.com, where you can see all the trades made in the account as they happen. If anyone has a better idea, please feel free to leave a comment and let me know – I'm open to suggestions. I'll also report in right here, at least every week or two, on how things are going and what my current thinking is on how best to move forward.
I'm open to suggestions on trading strategies to use. If you have a great strategy that you believe will help us achieve our million dollar goal, please share it – I can't guarantee that I'll use it, but I will seriously consider any suggestion. I definitely want your input and help with this. I mean, this is basically a pretty crazy idea, so someone injecting some sanity into the project will likely be helpful.
So, do I really believe this is possible? Well, sure, it's possible. My personal guess is that we'll come up a bit short, but so what if we only make $500,000, or even just $100,000? – That's still a pretty nice paycheck for 18 months of work, right? But for the moment, let's just stick with our goal of at least millionaire status.
If we pull off this miracle, it will be by the grace of God. I believe wholeheartedly in the axiom quoted by Benjamin Franklin as he urged prayer upon the Continental Congress, noting, "They labor in vain that build a house unless the Lord build it." (Psalm 127, verse 1)
I sincerely hope with all my heart that we do succeed. I hope for success not just for my sake (I could use a quick million – pay a few bills), but for your sake, too, for all of you reading this and coming along on this journey with me. I want us all to succeed – to find a pathway that leads to financial salvation in this economy that's crumbling beneath our feet, where jobs and job security are more and more difficult to come by. I believe that forex trading offers that financial salvation. It is, in my not-so-humble opinion, the last road to riches for the "regular guy" (or girl).
Okay, now I'm only going to attempt this if YOU are truly interested in it – so please take just a minute or two to comment below and let me know your thoughts on this. If it's something that YOU are sincerely interested in watching and following, then I'm certainly willing to give it a try (as noted previously, I'm a little bit crazy). Sounds like fun to me, but what do you think? I'll wait for your comments, but in the meantime, I'll go ahead and be working on setting up the account and finalizing the trading strategy. If I'm encouraged to proceed by your comments, then I'll report back here in just a week or two with all the initial information you'll need to follow along to learn how you can go from zero to $1 million in 18 months in forex trading by deploying two or more trading strategies.
Here is the next post in which I outline my million dollar strategy.
Learn Our Best Trend Trading Strategy

subset: commoncrawl


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Michael R. Belfer
Partner, Leader of Anchin's Public Relations and Advertising Group
Michael Belfer, CPA, CGMA, is an accounting and audit partner and is the Leader of the Firm's Public Relations and Advertising Industry Group, as well as a member of the Firm's Fashion Industry Group. Michael specializes in working with closely held businesses and entrepreneurial companies.
Michael offers clients a hands-on approach and assists them in developing tax structures, accounting systems, business plans, and financial and budget plans. He has expertise in business operations and solutions for long term business growth and also provides consulting services to emerging companies. Michael works with businesses in diverse industries: art galleries, diamond and jewelry, import and export, real estate, public-relations and advertising, technology and new media, as well as manufacturing and distribution.
Michael maintains strategic relationships with leading attorneys, bankers, and business consultants throughout the New York Metropolitan area to assist his clients with their needs.
He is a member of the American Institute of Certified Public Accountants (AICPA), the New York and New Jersey State Societies of Certified Public Accountants, Advisor to the Robert H. Smith School of Business at the University of Maryland, and the Finance Committee of the New York Chapter of the National Multiple Sclerosis Society.
- Accounting and Auditing
- Art
- Private Client
Industry Focus
- Fashion
- Food and Beverage
- Public Relations and Advertising
Success Stories
- Testimonial: J Public Relations
"Partnering with Mike and the team at Anchin two years ago was one of the best business decisions we have made. Anchin has an in-depth knowledge of the Public Relations industry."
- How New Tax Law Will Impact PR FirmsJanuary 31, 2018
Gould+Partners spoke with Michael Belfer, an accounting and audit partner at Anchin and leader of the firm's Public Relations and Advertising Industry Group, to find out what agency owners and C-level executives need to know.
- The Introduction of Gen ZJanuary 26, 2017
By 2020, Generation Z ("Gen Z"), individuals born in 1996 or later, will account for one-third of the United States population. We've charted the unique factors and influences that categorize today's generation.
- How to Strengthen Your Budgeting EffortsJuly 14, 2016
Michael Belfer, Public Relations and Advertising Practice Leader, tells Gould + Partners that agencies should keep an eye on performance and adjust their budgets as needed.
- Trade Preferences Extension Act: What Does it Mean for Your Company?July 9, 2015
On June 30, 2015, the President signed the Trade Preferences Extension Act ("The Act") into law. The Act will renew the Generalized System of Preferences (GSP), which provides duty-free treatment for selected goods from "beneficiary developing countries," such as Brazil, India, etc.
- A Conversation with Rick GouldNovember 12, 2015
A lively exchange between Michael Belfer, CPA, CGMA and Rick Gould, CPA, JD on best practices for management of PR & Advertising Firms, hosted by
- How To Create Viral Movements With Digital MediaApril 22, 2015
Anchin, Block & Anchin LLP Partner Michael Belfer on panel discussing how to create viral movements with digital media at CoInvent Media Summit.


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South Edison restaurant in Montauk will remain open through the winter months on Thursdays through Sundays. On Thursdays there will be an all-night happy hour, and from 5 to 9 p.m. a $25 prix fixe will be offered. On Sundays, brunch will be served from 11 a.m. to 8 p.m. In addition, oysters will be served at half price.
Tavern Thursdays
The 1770 House is once again offering Thursday night specials in its downstairs tavern. Beginning at 5:30 p.m., a signature burger, meatloaf, or Korean barbecue ribs can be ordered for $17.70. House wine will be $9 a glass, and house beers $5.
At the Maidstone
The ladies night at the c/o the Maidstone lounge will take place on Tuesday from 6 to 8 p.m. Besides half off the bar menu, including half-price wine and cocktails, there will be an opportunity for shopping from local vendors. The half-price bar deal is also on Fridays, "teachers night," from 3 to 6 p.m. In addition, the inn's Living Room restaurant is offering a nightly prix fixe for $35.
Red Catering
Kirk Basnight of the Red/Bar Brasserie and Little/Red in Southampton has launched a catering service featuring menus and dishes by Red/Bar's new executive chef, Todd Jacobs.
Protest Prose
The next Artists and Writers Night at Almond restaurant in Bridgehampton gets underway at 7 p.m. on Tuesday, with a theme of "Protest Prose and Notes on Comfort." It will feature artists sharing stories of resistance and protest, while a three-course family-style dinner is served. The cost, which includes a glass of local wine or craft beer, and gratuity, is $45. Reservations are a must.
At Baron's Cove
Food and drink specials will be on the menu tomorrow at Baron's Cove in Sag Harbor, which is throwing a tree-lighting party and ugly holiday sweater happy hour. The tree lighting will occur at 7:15, and there will be live music by the Lynn Blue Duo from 6 to 10 p.m. Those attending have been asked to take a donation of a warm hat, scarf, socks, or gloves for donation to the Maureen's Haven homeless outreach program.


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An overwhelming swell of contentedness. A conviction that all is as it should be. They speak of blissful oblivion. This is peaceful self awareness – a much more satisfying state of joy.
A beautiful cup of coffee, a beautiful canal side view. This quaint little universe that holds my boundless elation. My soul is a self contained whole, buoyant, drifting on a river. Looking down into the water but not being submerged.
But with such wonder, there is also sadness, sadness that this feeling is mine alone and not for everyone.
A couple kissing on a wall, a pang of missing a certain someone. But happiness is resilient as I say, and sadness merely transitory. After all he'll be back soon. And until then, my bubble remains afloat.
A post that might not make much sense in terms of a coherent message. It more reflects the pattern of my thoughts, how they stream through my mind like water – I wanted to capture this moment in my life. A happiness that I felt which was able to withstand little pangs of sadness, because happiness comes from the inside. Maybe not the work of the likes of James Joyce or Virginia Woolf, but all the same, there is something fun about stream of consciousness writing. There are less rules to be followed, more permissible senseless writing. Mapping thought patterns is so interesting – I challenge everyone to try it! Have a happy Saturday!


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Lisa Logan
When an idle
wish under a jacaranda tree transports Dana to a mysterious paradise, she finds
herself all alone with a sexy stranger who sets her imagination on fire. She
longs to believe Adam is truly a flesh-and-blood man, but deep down she fears
he is a romantic delusion that can exist for her only once every spring. And
beneath Adam's easy smile and smoldering passion lurks a secret that could
divide them forever.
Once Every Spring