We can help you answer these questions and more. Currently, an estimated 50 million consumers (30 million households) may not use credit to purchase goods and services and therefore may not have a credit history. The lack of complete credit information identifies these consumers as an emerging market often underserved by lending businesses, banks, insurance, automotive and financial companies.

Equifax TotalSource XL Emerging Market, created from our extensive array of consumer marketing data, identifies households newly emerging into the marketplace that are likely to be in need of financial services and responsive to Invitation to Apply™ offers.

Targeting The Emerging Market

TotalSource XL Emerging Market delivers the underserved population that financial and other institutions are aggressively seeking and may have been unable to reach. Key sectors of the emerging market include:

Students and young adults
Young families
Recent immigrants and minorities
Newly formed households

To help you target this underserved market with Invitation to Apply offers, Equifax provides highly responsive marketing selects, including demographics, lifestyles and behavioral attributes. By segmenting with Equifax ValueScore™, we can help you pinpoint your audience to help drive response, increase approval rates and add marketing value by aligning the segments below with the product or service you are promoting.

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About Equifax

For more than 107 years, Equifax has been a market leader in providing value-added information solutions to businesses and consumers. With a constant focus on product development, technology, innovation and customer satisfaction, Equifax has grown its business to over $1.44 billion in annual revenue and 4,600 employees in 13 countries. Throughout its business, Equifax maintains an unwavering commitment to the highest standards of corporate ethics, data security and information privacy.

The worldwide leader in enabling and securing global commerce, Equifax is respected for bringing buyers and sellers together through:

Collection & interpretation of consumer data
Management of consumer credit information
Marketing services
Business information
ID authentication
e-Commerce

Using marketing business intelligence to acquire new prospects, improve customer response rates, and increase annual revenue, Equifax serves customers across a wide range of industries including financial services, retail, healthcare, telecommunications/utilities, brokerage, insurance, government and direct marketing.