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Equifax: Credit Reports & Scores Guide


Company Profile: Equifax®

Equifax Inc. (Equifax) is a consumer credit reporting agency in the United States, and is considered one of the three largest American credit reporting agencies along with Experian and TransUnion. Information that Equifax collects, and is required by law to provide to consumers annually, is included as part of the free credit report.

Founded as Retail Credit Company in 1899, today Equifax is considered a worldwide leader in the information management market, particularly in the burgeoning area of personal and business financial information accumulation, organization, and distribution.

The Equifax information management model is focused primarily on credit, financial, employment and income, public record, demographic and marketing data. The firm has developed analytical tools that examine and analyze personal and business financial data, and creates models businesses and creditors use to make key strategic financing decisions. The company has also entered the increasingly competitive fraud detection and prevention services market. Equifax’s North America Commercial Solutions segment specializes in business credit and demographic information, credit scores, and portfolio analytics, which are derived from its databases of business credit, financial, and demographic information. Its customer base comes from a wide swath of industries, including the financial services, mortgage, retail, telecommunications, utilities, automotive, brokerage, healthcare, and insurance industries – as well as government agencies. Equifax Inc. was founded in 1899 and is headquartered in Atlanta, Georgia. Equifax stock is publicly traded on the New York Stock Exchange, under the symbol EFX.

FACT: Equifax is the oldest of the three agencies and gathers and maintains information on over 400 million credit holders worldwide. Based in Atlanta, Georgia, Equifax is a global service provider with US $1.5 billion in annual revenue and 7,000+ employees in 14 countries.

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