In a world where data is abundant, researchers need access to data sources they can trust. Equifax partners with higher education institutions to provide researchers with unique and comprehensive longitudinal datasets that can be utilized to study a variety of research topics.
With the Higher Education Data & Analytics Suite, Equifax is enabling advanced analytics with quick and easy access to curated datasets compiled from data sources related to traditional credit, specialty finance, utilities and telecommunications, wealth and assets, bank transactions, and property data attributes. These datasets can help to inform academic and grant-funded studies related to topics such as financial inclusion, labor markets, credit and economic trends, higher education, and more.
This fully configurable suite of anonymized data and analytics solutions offers several years of monthly data archives and can be combined in whatever way you need to fit your specific use case or geographic requirements. Options within the suite include:
Consumer Credit Data
Tradelines - raw, anonymized account-level data
Credit attributes - point-in-time attributes covering delinquency, ability to pay, and more
Trended attributes - ~780 attributes revealing credit behavior trends over time
Credit trends - aggregated credit data with vintage-level tracking/performance to measure market changes and trends over time
Delinquency scores - FICO Score or VantageScore, a tri-bureau scoring model that predicts the likelihood a borrower will default (become 90 days or more overdue on loan payments)
Income scores - Consumer Income View and Enhanced Debt-to-Income
Alternative Consumer Data
Alternative attributes - attributes derived from telecom and utility account history, and specialty finance/short term loans
Wealth and assets - sourced from directly measured US consumer assets. Attributes include household income, ability to pay, financial durability, credit needs and usage, and discretionary spending
Delinquency scores - includes alternative data sources to increase predictivity; credit card version and personal loan version
Property data - residential property characteristics and property valuation insights that factor into consumer net worth
Business Data
Credit data - business firmographics, account-level credit obligations and payment history, owners/guarantors
Marketing data - business firmographics, contacts, corporate linkages/affiliations, revenue, industry, diversity, and more
Multiple package options available:
Trial sample - 1% random sample with no data refresh
Lite package - 10% random sample with monthly refresh
Standard package - 100% US population with monthly refresh
Append package - 100% custom append to your input file with monthly refresh