Sold by: Equifax
Deployed on AWS
Sample data representing a household’s likely financial resilience, even under financial stress
Overview
Financial durability isn’t always obvious. Two consumers may have the same credit risk profile, but differing levels of financial durability because traditional credit scores don’t tell you what’s in a consumer’s financial wallet. Financial Durability measures provide unique insight into households’ likely financial resilience — meaning how likely a household is able to keep spending, plus meet current and future financial obligations, even when under financial stress.
The Financial Durability model from Equifax provides an indicator of financial resilience by analyzing the intersection of multiple financial capacity measures:
Affluence — based on a foundation of anonymous invested assets
Estimated total household income — based on income from wages, assets, business, and retirement funds
Spending power — discretionary funds available to spend, save, or invest, after accounting for fixed expenses of life
Aggregated credit — such as credit utilization and delinquencies
These household-level scoring measures are offered in two formats for maximum flexibility:
Financial Durability Score™ - provides a 1 to 5 score, with a 5 representing households that are the most financially resilient.
Financial Durability Index™ - provides a more granular 1 to 1000 rating, with a higher rating representing households that are more financially resilient.
These Financial Durability measures can be used for non-FCRA applications across the customer lifecycle, enabling marketers and risk managers to differentiate consumers for acquisition efforts, inform pre-collections strategies, assist with treatment prioritization for delinquent accounts, and increase recovery for accounts in collections.
Financial Durability Score or Index can be bundled with our other financial capacity measures such as Income360, Affluence Index™ or Spending Power™ to provide an even more granular view of household financial health and resilience.
Fields Included:
Zip+4
DPC
Financial Durability Score numeric value (1 - 5)
Financial Durability Index numeric value (1 - 1000)
Disclaimer: The information in this data set is fictitious, should be treated as such, and should be used only for testing purposes. Information in the data set does not represent any known business or consumer.
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This listing offers one pricing dimension: Product Access, measured in Units. It is a free demo or sample version, so no charge applies. The single dimension grants subscribers access to the product for evaluation. There are no tiers, instance sizes, or usage add-ons to compare. Because pricing is free with one access option, there is no scaling logic based on volume or term. You subscribe to gain access and explore the Financial Durability Measures data as a demo.
Top-of-mind questions for buyers
One unit grants a subscriber access to the demo or sample version of Financial Durability Measures. It lets you explore the data at no charge. The unit measures access, not consumer records or query volume. This is a sample environment for evaluation, not a production data feed.
The demo covers Financial Durability Measures, which estimate a household's financial resilience. It includes a household-level score using a 1-5 rating and an index on a 1-1000 scale for model use. The measures draw on estimated affluence, income, spending power, and aggregated credit.
No. This listing is free with a single access dimension. There are no tiers, usage thresholds, or overage charges tied to volume. Access remains free regardless of how much of the sample data you review during evaluation.
www.equifax.com
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Additional details
You will receive access to the following data sets.
Data set name | Type | Historical revisions | Future revisions | Sensitive information | Data dictionaries | Data samples |
|---|---|---|---|---|---|---|
Financial Durability Index Sample | All historical revisions | All future revisions | Not included | Not included |
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