Teletrack, an Equifax Company
Teletrack, an Equifax Company
Teletrack, an Equifax Company
Equifax Teletrack provides alternative credit data and risk insights on underbanked consumers, enabling lenders to make smarter decisions where traditional credit reports fall short.
Equifax Teletrack provides alternative credit data and risk insights on underbanked consumers, enabling lenders to make smarter decisions where traditional credit reports fall short.
Overview
Teletrack from Equifax is an alternative data source for underbanked consumers, drawing on short-term loans, rent-to-own transactions, utility payments, and wireless account activity. It aggregates more than two decades of specialty finance and telecom behavior not present in traditional credit files, and supports compliant decisioning.
Product and Services:
Alternative Credit Data – Offers insights on consumers with little to no traditional credit history
Non-Traditional Sources – Includes data from rent-to-own, payday loans, utility bills, and telecom activity
Expanded Risk Assessment – Helps lenders serve underbanked or near-prime segments more confidently
Fraud Mitigation Tools – Enhances identity verification and reduces risk of fraud
Financial Inclusion – Supports lenders in responsibly expanding access to credit for underserved populations
Use Cases
Evaluate subprime and near-prime applicants using specialty finance history absent from bureau files.
Verify a stated payment record against short-term lending and rent-to-own data.
Raise approval rates in the underbanked segment while keeping risk measurable.
Support adverse action requirements with compliant reason codes on alternative data decisions.
Overview
Teletrack from Equifax is an alternative data source for underbanked consumers, drawing on short-term loans, rent-to-own transactions, utility payments, and wireless account activity. It aggregates more than two decades of specialty finance and telecom behavior not present in traditional credit files, and supports compliant decisioning.
Product and Services:
Alternative Credit Data – Offers insights on consumers with little to no traditional credit history
Non-Traditional Sources – Includes data from rent-to-own, payday loans, utility bills, and telecom activity
Expanded Risk Assessment – Helps lenders serve underbanked or near-prime segments more confidently
Fraud Mitigation Tools – Enhances identity verification and reduces risk of fraud
Financial Inclusion – Supports lenders in responsibly expanding access to credit for underserved populations
Use Cases
Evaluate subprime and near-prime applicants using specialty finance history absent from bureau files.
Verify a stated payment record against short-term lending and rent-to-own data.
Raise approval rates in the underbanked segment while keeping risk measurable.
Support adverse action requirements with compliant reason codes on alternative data decisions.
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