Let Us Help - Contact Us

Talk to one of our representatives today.  Call 1 888 414 1120 or complete this form and a representative will contact you.

Product Sheet Download

Risk Analysis Download

Better understand the risk profile of your accounts and strengthen the credit quality of your portfolio.

Collection Analysis Download

Gain clarity on the repayment ability of your portfolio to optimize your debt recovery.

Customer Testimonial

Michigan State University Federal Credit Union

Related Ability to Pay Products

Learn More About

Stay Informed

Take advantage of exclusive insights from Experian's industry experts

Join the Discussion

Hear from our experts and share your views.

LinkedIn Follow Experian

Twitter Follow Experian Credit Info

Facebook Follow Experian_US

Google Plus Follow Experian CIS

Dispute Your Credit Report Information

Resolve reporting errors by disputing information on a personal or business credit report.

Income InsightSM and Income Insight W2SM

Efficient, Real-time Income Validation

Determine a customer’s ability to meet their financial obligations with a versatile, intuitive and easy-to-use tool. Income InsightSM and Income Insight W2SM are tri-bureau capable income estimation models built on bureau-exclusive predictors and verified income data. Because they are empirically derived and statistically sound, Income Insight and Income Insight W2 support lenders’ ability to comply with the Credit CARD Act of 2009. Both models use credit attributes, not demographic factors, in compliance with the Fair Credit Reporting Act and the Equal Credit Opportunity Act. Results are instant and may be provided online with a credit report or batched with other reports. No customer interaction is required.

Capture Your Customer's Complete Income Picture

Income Insight provides a comprehensive measurement of total income, including wages, rent, alimony and investments. This enhances your ability to assess a complete financial picture and improves decision-making by providing in-depth insight into a customer’s overall ability to pay.

Income Insight W2 estimates the wage income of a consumer which is especially applicable for low to mid-range income levels where income is comprised mostly of wages.

Features and Benefits

Having the right tools in place is critical to regulatory compliance, as well as to making profitable decisions in all phases of the customer lifecycle. Income Insight and Income Insight W2 can be deployed in a variety of ways and have multiple uses including:

  • Assessing ability to pay - support compliance with the Credit CARD Act
  • Loan Origination - use as a best practice for determining income capacity
  • Prospecting - target customers within a specific income range
  • Acquisitions - set line assignments for approved customers
  • Account Management - assess repayment ability before approving line increases
  • Collections - optimize valuation and recovery efforts
    The Income Insight models and their companion tool, Debt-to-Income InsightSM provide a wide range of benefits including better fraud mitigation, stronger risk management and responsible provision of credit.

Request More Information

Please complete this form and a representative will contact you.

  • Submit
  • © 2014 Experian Information Solutions, Inc. All rights reserved.