Resources

Total U.S. auto debt has reached a record $1.73 trillion, with average auto loan origination amounts topping $33,500.¹ While top-line market numbers look stable on the surface, underlying credit trends tell a different story. Subprime 60+ day delinquencies remain near multi-decade highs², early-stage stress is creeping into prime tiers, and underwater long-term loans are driving hidden portfolio risk. 

Join us for an interactive fireside chat as industry experts break down how leading lenders are mitigating risk, protecting margins, and strengthening dealer partnerships to capture profitable volume.

We’ll cover:

• Portfolio Resilience: Proactive monitoring techniques to help catch early payment stress, manage delinquencies, and protect long-term portfolio margins.
• Addressing Affordability: Modern methods to help evaluate true borrower capacity when vehicle prices and loan balances are at historical highs.
• Defending Against Bad Loans: Practical strategies to support detection of synthetic identity fraud and inaccurate documentation before loans fund.
• Lender & Dealer Alignment: Collaborative approaches to help speed up time-to-decision, reduce application drop-off, and build a high-performing lending partnership for mutual growth.

Can’t join us? Register, and we’ll send you a link to an on-demand recording of the event.

1. Equifax Market Pulse Credit Trends Reports for Portfolio and Originations, August 2026
2. Federal Reserve Bank of Philadelphia, Consumer Finance Institute Report “Do Recent Auto Loan Delinquency Rates Overstate Borrower Distress?”, April 2026
 

View a sample output of our Talent Report Education Verification product.

See the breadth and detailed record information available on a Social Service Verification report, including the most recent payroll period and updated employment information.

Verifying income and employment involved multiple steps, separate logins, and manual uploads. This led to inefficiencies, errors, and potential delays in loan approvals. Integrating The Work Number directly into the LOS revolutionized the verification process. Loan officers can now instantly verify income and employment with a single click!

Zoot and Equifax are partnering to help financial institutions bring trusted employment and income data directly into real-time card decisioning.

HR professionals know that finding, interviewing, and hiring new employees requires a major investment of time, effort, and money. The more turnover you have, the more this cost increases. Learn how a Pre-Employment Verification report allows you to:

• Make more informed hiring decisions

• Improve employee retention

• Save on overall hiring costs

Credit unions and banks know first impressions matter with your members. Making fast yet informed lending decisions from application and throughout the credit card lending lifecycle can help you build rapport from the beginning and help lay the groundwork for a beneficial relationship between you and your members.

With recent influxes of economic factors such as inflation, higher interest rates, and the resumption of student loan payment requirements, there has been a marked increase in credit card usage by consumers. 

Listen to our webinar to discover how:

• You can build a “top-of-wallet” relationship with your members
• A credit score may not be telling you the whole story
• Alternative data can be used to increase credit approvals across all credit bands
• It may be easier than you think to access employment data through your current technology partner

State governments are transforming social services with data and technologies to streamline the eligibility determination process.

Hear housing assistance experts share insights into how the COVID-19 pandemic has affected housing insecurity and strategies to help improve the housing assistance application experience.

Portfolio reviews can help lenders stay agile and responsive to fluctuations in the market and consumers’ finances. A myriad of factors can escalate credit risk in lending. Market volatility, fluctuating interest rates across several industries, inflation, and changing economic conditions can all affect a borrower's ability to repay loans.

Credit and loan application fraud has become a leading problem for financial institutions in recent years. With more and more counterfeit IDs, a wealth of information available to fraudsters from data breaches, and the creation of synthetic identities, it can overwhelm any financial institution’s defenses. 

On top of that, application processes are often lengthy and cumbersome, making approval more difficult for you and your applicants.

• Learn how The Work Number ID can help you: 
• Quickly verify your applicant’s identity
• Prevent fraud and easily spot synthetic identities 
• Streamline the application process