ATLANTA — As the company's data showed auto loan
originations now are at the highest level in five years, Equifax rolled out a
new solution this week geared to help finance companies and dealers gain a
better understanding of their customers' likely credit capacity, needs and usage.

Equifax explained the availability of CreditStyles Pro can enable
marketers and risk executives at financial institutions, automotive finance
companies and dealers, insurers, retailers and telecommunications companies to
strategically differentiate customers by presenting aggregated household credit
measures.

Officials highlighted CreditStyles Pro is designed to
provide greater levels of insight on households' financial capacity for
advanced prospecting, segmentation and risk management.  These insights enable marketers to
strategically differentiate customers and prospects, appropriately target
specific households, and inform both traditional customer management and online
marketing efforts. 

By leveraging CreditStyles Pro, companies can:

—Better differentiate which prospects are the best fit for
their products and services based on consumers' likely credit capacity.

—Identify consumers who are likely to have high credit
limits and are likely to maintain revolving balances.

—Identify consumers that are likely in the market for a
particular product and might need a loan to make the purchase.

—Distinguish target markets that are likely to have high new
mortgage, auto, home equity, bank card and student loan activity.

Additional benefits include:

—Aggregated FICO scores, which are exclusively available
from Equifax that can enable marketers to utilize an aggregated version of the
industry accepted credit risk assessment measure for non-FCRA marketing purposes
across the customer lifecycle.

—Anonymous household metrics that represent nearly 100
percent of all active credit consumers, while still protecting consumer privacy.

—Variables that can be used to enhance segmentation in
connection with prescreen initiatives

—More than 400 aggregated credit variables, risk scores, and
intent indicators that are updated quarterly.

Offering an extensive array of aggregated credit metrics,
CreditStyles Pro can enhance transparency in marketing and customer management
by providing companies with insights on customers' financial capacity, such as:

—Likely credit limits and maintenance of revolving balances.

—Propensity to be in the market for new credit.

—Likely new credit activity and delinquency rates.

"In today's market, companies are seeking economical options
that can help them drive their prospecting, cross-sell, and risk applications,"
said Ian Wright, senior vice president of business strategy and product
management operations for Equifax's IXI Services.

"CreditStyles Pro is unique within the industry as it
provides comprehensive, up-to-date aggregated credit metrics at the household-level
that maximizes companies' return on their marketing investment," Wright
continued.

Equifax: Auto Loan Originations at Highest Levels in Five
Years

The latest data from Equifax's National Consumer Credit
Trends Report shows that the total number of auto loan originations from
January to August of this year totaled 14.6 million – the highest number of
originations for that timeframe since 2007 when the level was 14.8 million.

Analysts said total outstanding auto loan balances through
October are more than $770 billion, an increase of 11 percent since auto loan
balances bottomed out in April of last year.

Similarly, Equifax found the total number of existing auto
loans through October was more than 58 million, which represents a 33-month
high.

"Consistent growth in the auto industry is influenced by a
combination of factors, including the decreasing amount of write-offs and
severely derogative accounts paired with corresponding increases in the numbers
of total originations and loan sizes," said Equifax chief economist Amy
Crews-Cutts.

"Sustained recent consumer demand for auto leasing,
financing and purchase has driven a return of this portfolio to pre-recession
numbers more rapidly than any other lending sector," Crews-Cutts added.

Other highlights from the most recent data include:

—New auto loan originations year-to-date through August totaled
more than $283 billion, which is the highest for that timeframe since 2006 when
it was $297.5 billion.

—The average loan amount ($19,492) for the month of August stands
at a six-year high, and is only exceeded by the same time in 2006 when the
average was $20,291.

—The most current data shows the number of new auto loans
funded by auto finance companies increased 31 percent from the recession low
for the month of August 2009 from 717,600 to more than one million in August of
this year, a five-year high.

—The most current data also shows the number of new auto
loans funded by bank, savings and loan or credit union reached 984,300 in
August, a seven-year high for that month.