Equifax data powers web-based identity verification using independent data sources to establish a degree of confidence in the names, addresses, and date of births of individuals using premium identity databases, 24 hours a day and 7 days a week.
Within the UK, the W2 service will classify the data as follows:
|The service will consume both the latest versions of the edited and full Electoral Rolls (depending on your access levels) in order to confirm if the name and address of the subject match. In certain instances, this will also contain the Date of Birth, however this is in very rare circumstances (normally 17 year old's who's 18th birthday is due within the next 12 months)
|Country Court Judgements
|Data from the Registry Trust. This will normally contain data linking the Subject's Name, Date of Birth and Address
|Credit lenders (Insight)
|The Insight dataset is a contributary database generated from credit lenders who have completed a credit check on individuals. This data will contain Name, Address and Date of birth information. Access to this data will leave a 'soft print' on the credit file, which does not affect their credit rating.
|The service will access telephony data which is able to like the subject with the claimed address.
|The service will access Mortality data in order to establish if the subject is alive, but also link possible addresses and dates of birth to the individual.
The data that the Equifax service has access to is quantified below:
- 800 million individual consumers globally
- More than 88 million businesses worldwide
- Over 330 million Credit Application Records of individuals who have applied for a credit cards, bank loans or other credit agreements in last 12 months
- Current Years Full (47+ million) or Edited (25+ million) Electoral Roll & Previous Edited Electoral Roll 2001 to present
- 6 Million County Court Judgement Records
- Over 28 million landline and cell phone numbers
- 12 million deceased records