Product

Real-Time Exchange

Real-time credit data for the lending market to help you lend responsibly
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Product Overview

Equifax Real-time Exchange allows you to base your lending decisions on true, real-time application and loan information gathered specifically to meet your needs.

It processes the data you share immediately, so it’s available within minutes, and there’s no charge to share loan data.

The Equifax Real-time Exchange helps you to:

  • Meet FCA expectations to share data in real-time and ensure you base lending decisions on accurate up-to-date information, including taking recent loans into affordability assessments.
  • Know more about your applicants; with our exchange, you make decisions based on a more complete, up-to-date view of their borrowing activity
  • Minimise credit risk by having a real-time, granular view of your customer’s application, underwriting and loan repayment performance data
  • Prevent high-velocity fraud and reduce the number of ‘gamers’ who play the system to take out multiple loans in a short period of time
  • Get your industry-leading, real-time, data-sharing solution up and running in no time by easily integrating the Equifax Real-time Exchange into your system


Lend more responsibly with Equifax Real-time Exchange.

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The personal data that you provide via this form will be processed in order to deal with your enquiry and for marketing purposes unless you have opted-out of receiving marketing communications. As a result of this processing, your personal data may be transferred to countries outside of the UK and European Economic Area (EEA). Please see the Equifax Credit Reference and Related Services Privacy Notice for more information about how we will process your personal data.

To access your Personal Credit Report, visit https://www.equifax.co.uk

To query your Personal Credit Report or get help, visit https://help.equifax.co.uk/EquifaxOnlineHelp/s/

To access your business credit report, download our Business Report form and return your completed form to us via post or email using the information provided on the form.

Send an email to our customer service team via hello@equifax.com and we'll get in touch with you directly.