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Get answers to commonly asked questions related to the credit bureau Equifax
Whenever you apply for a loan, a lender typically approaches the credit bureaus for your credit score and credit history. For lenders, any information with regard to your credit behavior—whether you are likely to pay back a loan or other credit product—is of importance, as it helps them make a decision which would possibly help avoid a incurring loss in the form of unpaid loans.
Overdue payments, defaults, delinquencies, bounced cheques etc., can cause banks and lenders losses on a large scale and few lenders want to risk lending to a customer without knowing his/her credit background. Lenders rely on credit rating companies, like Equifax, to give them an insight into the credit history of a potential customer. A lender typically picks those applicants who have a high credit score or strong credit history and are potentially safe to lend to. The credit rating system helps banks and lenders weed out potentially risky customers and only lend to those who have a good credit history with consistent payment behavior.
Equifax ePORT is a business-to-business gateway that helps lenders manage risk and access the information that they need to make an informed decision on lending. It is an online portal designed to provide end-to-end, user-friendly, flexible access to tools that helps companies increase their productivity and bottom-line results.
Equifax ePORT is a destination for organizations of all sizes and is open to all from small businesses to large corporates. This gateway is intended as a one-stop-shop for a variety of revenue enhancing products and tools. ePORT offers consumer and commercial driven solutions and products including risk analytics and scoring, ensuring regulatory compliance, fraud solutions, employment verification and other solutions.
In order to access ePORT, a valid Company ID / User ID and Password must be entered on the login page of the Equifax ePORT portal. Through this online gateway banks, non-banking financial companies and other institutions can access detailed credit data about potential borrowers.
Businesses of all sizes can take advantage of the many facilities that being a member of ePORT offers. It helps companies balance risk and reward and enables them to make data –driven decisions. It helps them access accurate, up to date consumer credit information as well as a range of other products and tools that speed up the decisioning process.
It enables faster and easier access to product information and solutions, quicker response time to requests, better customer support and the ability to download data directly.
There are multiple benefits to the Equifax ePORT.
In order to become a member of Equifax ePORT, you need to contact Equifax in the following ways:
Equifax Credit Information Services Private Limited,
Unit No. 931, 3rd floor, Building no. 9,
Solitaire Corporate Park,
Andheri Ghatkopar Link Road,
Mumbai – 400093, India.
Access to the Equifax database is only possible once the institution has officially registered with Equifax as a member. Those registering online or offline will have to provide their company name, existing customer account number, security number, first name, and last name. If you forget your Customer Account Number, or Security Digits – the website will direct you to the appropriate resource.
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