ATLANTA — This week, Equifax launched its fourth generation
Bankruptcy Navigator Index (BNI) score, what credit bureau officials contend is
their most comprehensive and predictive bankruptcy risk score ever.

With BNI 4.0, Equifax highlighted lenders can make more
confident risk decisions through significantly enhanced insights and
predictability into potential consumer bankruptcy.

"This is our most effective consumer bankruptcy risk score
yet, providing deeper and more predictive insights driven by wider data and
more powerful analytics," said John Cullerton, senior vice president of product
innovation and management with Equifax.

"BNI 4.0 will give lenders the ability to predict and avoid
potential consumer bankruptcies with improved performance and more consistent
decisioning," Cullerton continued. "The benefits of this new product translate
to overall more confident risk decisions for Equifax customers."

By leveraging BNI 4.0, lenders and service providers can:

—Improve risk prediction by up to 10 percent.

—Make more consistent decisions with a robust score that
leverages the company's most updated and comprehensive consumer credit
attributes, its Advanced Decisioning Attributes.

—Boost score stability with random samples that were pulled
from the Equifax credit database.

—Protect portfolios against present and future bankruptcy
risk.

—Seamlessly integrate BNI 4.0 throughout the customer
lifecycle and with other Equifax risk tools.

Equifax BNI 4.0 risk score is available online for
acquisition and on-boarding, and offline for account review.

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