新产品提供来自 The Work Number 的收入和就业洞察 ®
, /PRNewswire/ -- Equifax® (NYSE: EFX) 今日宣布推出 Income Qualify，这是一款新产品，旨在在预审和预批准阶段向抵押贷款机构提供来自 The Work Number ® 的收入和就业洞察，作为 Equifax 消费者信用档案的附加价值。
<img src="https://imageproxy.pbkrs.com/https://mma.prnewswire.com/media/448516/Equifax_jpg_Logo.jpg?x-oss-process=image/auto-orient,1/interlace,1/resize,w_1440,h_1440/quality,q_95/format,jpg" alt="" original-src="https://imageproxy.pbkrs.com/https://mma.prnewswire.com/media/448516/Equifax_jpg_Logo.jpg"/>
目前，贷款机构在自信地进行预审报价方面受到限制。Income Qualify 在流程的早期提供经过验证的收入和就业数据，使抵押贷款机构能够更快地进行初步评估，并减轻借款人的负担。这有助于降低贷款过程中的风险，并支持购房过程中的可负担性。
“抵押贷款机构面临着对合格买家的竞争加剧。他们需要能够更快地评估借款人资格并做出关键的贷款决策，同时还要控制成本，” Equifax 美国抵押贷款和验证服务的总经理兼高级副总裁 Joel Rickman 说。“通过在预审阶段提供关键的收入和就业数据，以及我们可信赖的信用报告，Equifax 正在帮助贷款机构更快地行动，支持可负担性，并让借款人在流程中更有信心地向前推进。”
拥有自己的房屋是许多美国消费者的重要目标，并且可以帮助建立可以持续几代的财富。Equifax 致力于使拥有房屋变得更加可负担，并相信像 Income Qualify 这样的综合数据解决方案是支持可负担性的关键组成部分。
利用来自 The Work Number 的数据，Income Qualify 提供以下数据点，连同 Equifax 抵押贷款信用报告（如可用）：
<ul>
<li>姓名/社会安全号码： 确保潜在借款人的姓名的准确性。</li>
<li>雇主名称： 捕捉借款人的雇主名称，帮助减少在后续提交给政府赞助企业平台时的雇主名称匹配错误。</li>
<li>任职时间： 提供对借款人工作任职时间的信心，并告知贷款机构未来在承保时对收入数据的需求。</li>
<li>前一年总收入： 允许进行高水平的债务与收入（DTI）比率评估，并对申请中提供的数据进行分类确认。</li>
</ul>
在贷款发放之前提供这些信息，Income Qualify 可以帮助贷款机构更早地评估借款人。此外，它还可以通过在发放时更明智地购买 The Work Number 来帮助贷款机构控制成本。
Equifax 专注于开发创新解决方案，帮助贷款机构降低拥有房屋的成本，并帮助消费者建立代际财富，同时在其信用报告产品中提供更深入的洞察。作为这一努力的一部分，该组织还在十月宣布，将以超过 50% 的折扣提供 VantageScore 4.0 抵押贷款信用评分，承诺在两年内保持 4.50 美元的 VantageScore 评分定价，并在每次购买 Equifax 的 FICO 评分时提供免费的 VantageScore 信用评分，以帮助转换。
有关 Income Qualify 的更多信息，请查看产品说明书。
关于 EQUIFAX INC.
在 Equifax (NYSE: EFX)，我们相信知识推动进步。作为一家全球数据、分析和技术公司，我们在全球经济中发挥着重要作用，帮助金融机构、公司、雇主和政府机构以更大的信心做出关键决策。我们独特的数据、分析和云技术的结合推动洞察力，助力决策，推动人们向前发展。总部位于亚特兰大，全球近 15,000 名员工的支持下，Equifax 在北美、中美洲和南美、欧洲以及亚太地区的 24 个国家运营或投资。有关更多信息，请访问 www.equifax.com。
更多信息：
Dan Jenkins 代表 Equifax Workforce Solutions
mediainquiries@equifax.com
来源：Equifax Inc.

艾可菲

艾可菲推出了收入资格（Income Qualify），这是一款新产品，向抵押贷款机构提供来自 The Work Number®的收入和就业信息，适用于预资格和预批准阶段。这帮助贷款机构更快地评估借款人资格，管理成本，并支持购房的可负担性。该产品提供经过验证的数据点，如雇主名称和前一年总收入，从而增强了贷款流程。艾可菲旨在通过创新解决方案降低住房拥有成本，并支持代际财富的积累

New Offering Delivers Income and Employment Insights from The Work Number ®
<div class="lb-trans">新产品提供来自 The Work Number 的收入和就业洞察 ®
</div>, /PRNewswire/ -- Equifax® (NYSE: EFX) today announced the launch of Income Qualify, a new product that delivers income and employment insights from The Work Number ® to mortgage lenders during the prequalification and pre-approval phase as a value add alongside the Equifax consumer credit file.
<div class="lb-trans">, /PRNewswire/ -- Equifax® (NYSE: EFX) 今日宣布推出 Income Qualify，这是一款新产品，旨在在预审和预批准阶段向抵押贷款机构提供来自 The Work Number ® 的收入和就业洞察，作为 Equifax 消费者信用档案的附加价值。
</div><img src="https://imageproxy.pbkrs.com/https://mma.prnewswire.com/media/448516/Equifax_jpg_Logo.jpg" alt="" original-src="https://mma.prnewswire.com/media/448516/Equifax_jpg_Logo.jpg"/>
Currently lenders are limited in their ability to confidently make prequalification offers. Income Qualify provides verified income and employment data earlier in the process, empowering mortgage lenders to conduct an initial assessment faster and with less burden on the borrower. This helps reduce risk in the lending process and supports affordability in the home buying process.
<div class="lb-trans">目前，贷款机构在自信地进行预审报价方面受到限制。Income Qualify 在流程的早期提供经过验证的收入和就业数据，使抵押贷款机构能够更快地进行初步评估，并减轻借款人的负担。这有助于降低贷款过程中的风险，并支持购房过程中的可负担性。
</div>&#34;Mortgage lenders are facing increased competition for qualified buyers. They need to be able to assess borrower eligibility and make critical lending decisions more quickly while also managing costs,&#34; said Joel Rickman, General Manager and Senior Vice President of U.S. Mortgage and Verification Services at Equifax. &#34;By delivering key income and employment data alongside our trusted credit report at the prequalification stage, Equifax is helping lenders act faster, support affordability, and move the borrower forward in the process with more confidence.&#34;
<div class="lb-trans">“抵押贷款机构面临着对合格买家的竞争加剧。他们需要能够更快地评估借款人资格并做出关键的贷款决策，同时还要控制成本，” Equifax 美国抵押贷款和验证服务的总经理兼高级副总裁 Joel Rickman 说。“通过在预审阶段提供关键的收入和就业数据，以及我们可信赖的信用报告，Equifax 正在帮助贷款机构更快地行动，支持可负担性，并让借款人在流程中更有信心地向前推进。”
</div>Home ownership is an important goal for many U.S. consumers and can help build wealth that can last for generations. Equifax is committed to making home ownership more affordable and believes that comprehensive data solutions, such as Income Qualify, are a key component of supporting affordability.
<div class="lb-trans">拥有自己的房屋是许多美国消费者的重要目标，并且可以帮助建立可以持续几代的财富。Equifax 致力于使拥有房屋变得更加可负担，并相信像 Income Qualify 这样的综合数据解决方案是支持可负担性的关键组成部分。
</div>Leveraging data from The Work Number, Income Qualify provides the following data points alongside the Equifax Mortgage Credit Report, where available:
<div class="lb-trans">利用来自 The Work Number 的数据，Income Qualify 提供以下数据点，连同 Equifax 抵押贷款信用报告（如可用）：
</div><ul>
<li>Name/SSN: Gain confidence in the name of the potential borrower.</li>
<li>Employer Name: Capture the name of the borrower's employer, helping to reduce employer name match errors during later submission to Government-Sponsored Enterprise platforms.</li>
<li>Tenure: Provides confidence in the borrower's job tenure and informs the lender on future income data needs for underwriting.</li>
<li>Prior-Year Total Income: Allows for high-level debt-to-income (DTI) ratio assessment and categorical confirmation of data provided on an application.</li>
</ul>
<div class="lb-trans"><ul>
<li>姓名/社会安全号码： 确保潜在借款人的姓名的准确性。</li>
<li>雇主名称： 捕捉借款人的雇主名称，帮助减少在后续提交给政府赞助企业平台时的雇主名称匹配错误。</li>
<li>任职时间： 提供对借款人工作任职时间的信心，并告知贷款机构未来在承保时对收入数据的需求。</li>
<li>前一年总收入： 允许进行高水平的债务与收入（DTI）比率评估，并对申请中提供的数据进行分类确认。</li>
</ul>
</div>With this information available before origination, Income Qualify can help lenders assess borrowers earlier in the loan process. Additionally, it can help lenders manage costs by making more informed purchases of The Work Number at origination.
<div class="lb-trans">在贷款发放之前提供这些信息，Income Qualify 可以帮助贷款机构更早地评估借款人。此外，它还可以通过在发放时更明智地购买 The Work Number 来帮助贷款机构控制成本。
</div>Equifax is focused on developing innovative solutions that can help lenders reduce the cost of home ownership and help consumers build generational wealth, while providing deeper insights alongside its credit reporting products. As part of this effort, the organization also announced in October that it would offer VantageScore 4.0 mortgage credit scores at an over 50% reduction from FICO 2026 prices, committed to holding the $4.50 VantageScore score pricing for two years, and are offering free VantageScore credit scores with each FICO Score purchased from Equifax to help with conversion.
<div class="lb-trans">Equifax 专注于开发创新解决方案，帮助贷款机构降低拥有房屋的成本，并帮助消费者建立代际财富，同时在其信用报告产品中提供更深入的洞察。作为这一努力的一部分，该组织还在十月宣布，将以超过 50% 的折扣提供 VantageScore 4.0 抵押贷款信用评分，承诺在两年内保持 4.50 美元的 VantageScore 评分定价，并在每次购买 Equifax 的 FICO 评分时提供免费的 VantageScore 信用评分，以帮助转换。
</div>For more information about Income Qualify, please view the product sheet.
<div class="lb-trans">有关 Income Qualify 的更多信息，请查看产品说明书。
</div>ABOUT EQUIFAX INC.
<div class="lb-trans">关于 EQUIFAX INC.
</div>At Equifax (NYSE: EFX), we believe knowledge drives progress. As a global data, analytics, and technology company, we play an essential role in the global economy by helping financial institutions, companies, employers, and government agencies make critical decisions with greater confidence. Our unique blend of differentiated data, analytics, and cloud technology drives insights to power decisions to move people forward. Headquartered in Atlanta and supported by nearly 15,000 employees worldwide, Equifax operates or has investments in 24 countries in North America, Central and South America, Europe, and the Asia Pacific region. For more information, visit www.equifax.com.
<div class="lb-trans">在 Equifax (NYSE: EFX)，我们相信知识推动进步。作为一家全球数据、分析和技术公司，我们在全球经济中发挥着重要作用，帮助金融机构、公司、雇主和政府机构以更大的信心做出关键决策。我们独特的数据、分析和云技术的结合推动洞察力，助力决策，推动人们向前发展。总部位于亚特兰大，全球近 15,000 名员工的支持下，Equifax 在北美、中美洲和南美、欧洲以及亚太地区的 24 个国家运营或投资。有关更多信息，请访问 www.equifax.com。
</div>FOR MORE INFORMATION:
<div class="lb-trans">更多信息：
</div>Dan Jenkins for Equifax Workforce Solutions
<div class="lb-trans">Dan Jenkins 代表 Equifax Workforce Solutions
</div>mediainquiries@equifax.com
<div class="lb-trans">mediainquiries@equifax.com
</div>SOURCE Equifax Inc.
<div class="lb-trans">来源：Equifax Inc.
</div>

艾可菲推出收入资格服务，以便在抵押贷款发放过程中更早提供洞察，并帮助贷款机构管理成本 | EFX 股票新闻