Equifax Canadian Income Predictor

Use our advanced income estimation tool to be more precise — and confident — in targeting
your marketing efforts

Canadian Income Predictor (CIP) is a powerful and versatile analytical tool that can be used by virtually any business to generate
greater revenue through better target marketing. Developed from the wealth of information contained in Equifax’s national consumer
credit database, CIP is easy to understand and provides an accurate prediction of a customer’s financial potential, thereby enabling
a more focused marketing effort.

Exceptional, versatile, and flexible solutions

The Canadian Income Predictor is the first income
estimation tool based on the consumer credit file to be
launched in the Canadian market. CIP aids any decision-
making process in which income may play a role. Easily
integrated into existing decision processes, CIP:
• Provides an independent estimate of an individual’s
annual employment income in the form of a three-
digit income score. (For example, if the individual’s
income level is predicted at $30,000, CIP returns a
value of 030.)
CIP is designed to be extremely useful for a variety of business
purposes. Potential applications, available both online and off-line,
include:
• Target marketing — CIP enables you to identify marketing areas
according to income.
• Income verification — CIP can provide an independent estimation
of an applicant’s stated income.
• Credit limit management — CIP may be used to ensure existing
credit limits are aligned with a customer’s spending potential.

• Can be used in conjunction with Equifax risk-based • Cross-selling and up-selling — CIP provides an excellent way to
target marketing tools, and is also available as a segment a portfolio by income in order to market other products
component within Equifax’s aggregate data products. and/or refine an existing product to increase its usage.

New customers, right customers, and rising revenue

Whatever your business, Canadian Income Predictor will help you raise your revenue and provide the competitive edge you need to
stay at the forefront of your industry. Among its many benefits, CIP:

• Maximizes your return on investment through the acquisition of profitable new clients and streamlined process efficiencies.

• Helps you avoid a certain amount of costly manual income verification, as well as lost customers due to delays in confirming
income.

• Segments your population so you can tailor your product and pricing option to fit your customers’ financial needs.

• Improves communications with existing customers in a way that is better tailored to their true financial potential.

• Improves cross-selling efforts.

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A valuable marketing tool for all industries
Designed to be flexible and cost-effective, Canadian Income Predictor adapts to any industry that offers a lending product or service. For
example, with CIP’s help:

• Banking and financial institutions can tailor their products and pricing options to better fit their customers’ financial needs, as well
as cross-sell other services. CIP can be used to identify high-income consumers for credit limit increases, personal lines of credit, overdraft
protection, and mortgage-related products.

• Automobile dealers can determine the type of vehicle their prospects are most likely to purchase, as well as prospects for pre-owned or
sub-prime auto loans.

• Telecommunications providers can predict which cellular phone customers are most likely to want — and be able to afford — high-
speed Internet access.

• Collections businesses can prioritize collection efforts according to borrowers’ “capacity“ to pay.

Canadian Income Predictor is available both online and off-line. And, when combined with other Equifax products, CIP will help you create
even greater market segmentation.

Canadian Income Predictor will help you answer consumers’ demand for more personal attention by
understanding their individual needs and offering products and services that are specifically tailored
to those needs.

To find out how Canadian Income Predictor and the complete portfolio of Equifax
Decision Solutions can work for your business, contact your Equifax sales office
via e-mail at decision.solutions@equifax.com.

Equifax is a registered trademark and Equifax Canadian

Income Predictor is a trademark of Equifax Canada Inc.
Copyright © 2004, Equifax Inc., Atlanta, Georgia. All
rights reserved.

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