Equifax CRP 3.

0
The newest — and most advanced — risk management tool from Equifax delivers a score with
unprecedented ability to identify high risk.

Equifax Canada has done it again! Taking advantage of new modeling techniques, we have used our state-of-the-art technology
and statistical expertise to give you an even more advanced — and unrivaled — solution for predicting how your customers and
new prospects will perform with credit privileges. CRP (Consumer Risk Predictor) 3.0 is the ultimate risk scoring tool currently offered
in the marketplace.

What can CRP 3.0 do for you? How does CRP 3.0 work?
CRP 3.0 addresses and incorporates the changes in credit agency reporting CRP 3.0 was designed using the most advanced
regarding new issuers and new credit products. Backed by the expertise of logistical regression modeling and intelligent
Equifax statisticians, our newly redeveloped and updated consumer credit segmentation strategy that considers age of
risk predictor score was built on a recent random sampling of one-million file, tenure of credit, and historical payment
Canadian consumer credit files over a 24-month period. CRP 3.0 features behaviour. It is a cost-effective scoring tool that
several innovative additions that augment existing delinquency scores — can be integrated into existing operating systems
providing an unprecedented ability to identify high credit risk individuals. with minimal modification. CRP 3.0 is easy to
These new enhancements include… access electronically online and off-line (batch).
What’s more, there are no hidden startup costs,
• An advanced segmentation scheme that provides a more refined
or any need to customize data.
view of the derogatory behaviour of the sub-prime population.

• A scorecard indicator — unique to Equifax — that is returned with a What makes CRP 3.0 unique?
score telling you which specific scorecard was used.
CRP 3.0’s multi-scorecard approach is used
• Two choices for minimum criteria that are required to score a file. to address each distinct credit segment,
You can choose from Option A that has more stringent exclusion criteria, providing the most accurate and relevant
or Option B that scores more files. results possible. And, it can be seamlessly
integrated into current risk management
CRP 3.0 also retains all of the advanced proactive benefits of the model’s operating systems with built-in cost savings
earlier version to reliably rank order the likelihood of default 90 days or at the point of purchase for the end user.
more over a future 24-month period.

Redeveloped to effectively address current market realities and consumer credit and
spending habits, CRP 3.0 is the scoring tool you need to make it easier to say “yes.”
For more information about Equifax CRP 3.0, visit the Equifax Canada Web site at
www.Equifax.ca, contact your sales representative, or call 1.800.278.0278.

www.equifax.ca

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