Equifax introduced Income Confirm on January 26, 2026, a service that couples its consumer credit reports with verified employment and income data from The Work Number. The integration delivers real‑time job status and calculated annual income alongside traditional credit information, allowing lenders to assess an applicant’s financial capacity more accurately during the credit card application process.
Income Confirm reduces lenders’ reliance on estimates by providing verified income data, which improves underwriting efficiency and enables faster, more precise credit line decisions. The real‑time nature of the data means that lenders can adjust credit limits immediately based on a consumer’s current employment status and earnings, rather than waiting for manual verification or relying on self‑reported figures.
The launch is part of Equifax’s broader strategy to expand its non‑credit data portfolio and deepen its role as a decision‑intelligence partner for financial institutions. By leveraging The Work Number’s extensive employment database, Equifax is creating new revenue streams and enhancing customer value in the competitive credit‑card market. The move also signals the company’s commitment to data‑driven decision tools that go beyond traditional credit scoring.
Scott Collins, General Manager and Senior Vice President of Financial Institutions at Equifax, said, “Consumers expect a fast, streamlined process when they apply for a new credit card. Income Confirm equips lenders to make decisions based on facts, not estimates, and to optimize initial credit lines based on the consumer’s true ability to pay. This supports a smoother, faster experience for applicants, and can also help drive early new cardholder engagement and spend.”
Equifax has recently launched other products that tap into its employment and income data, such as Complete Income for social services and Enhanced Synthetic Identity Fraud Detection. The company is also investing in AI and cloud technologies, positioning itself to monetize data assets across multiple verticals while maintaining a focus on innovation and customer value.
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