credit · EU AI Act
Equifax
Ravna tracks 4 AI features shipped by Equifax. Classifications are independent interpretations of public documentation, dated and sourced.
| AI feature | Risk | Default state | Confidence | Assessed |
|---|---|---|---|---|
Equifax Ignite — Cloud AI/ML Credit Models Cloud analytics ecosystem centralizing 20 years of consumer data with pre-built and custom adaptive AI/ML models for credit risk, feeding results into InterConnect for automated execution. | red | On when feature licensed | likely | — |
Insight Score for Personal Loans (NeuroDecision) FCRA risk score for unsecured lending combining traditional and alternative data (telecom, pay TV, utility) via NeuroDecision explainable-AI modelling, used for origination and underwriting. | red | On when feature licensed | likely | — |
OneScore — Multi-Data AI Credit Score Next-gen risk score powered by Equifax Amplify AI pairing traditional credit attributes with alternative data (telco, pay TV, utility) to score more applicants, including thin-file consumers. | red | On when feature licensed | likely | — |
Risk Decisioning Suite (InterConnect) SaaS platform that automates credit and risk decisions in real time by combining data, predictive models and configurable rules, reducing approvals from days to seconds. | red | On when feature licensed | likely | — |
Classifications are Ravna’s independent interpretation of public vendor documentation — an opinion, not a statement of fact, not legal advice, and not a determination that Equifax or any deployer is non-compliant. Equifax and related marks are the property of their respective owners, used for identification and commentary only; Ravna is not affiliated with or endorsed by Equifax. Represent Equifax? Request a correction — we respond within 10 days. See the full disclaimer.