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Equifax: Credit Reports & Scores Guide

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Equifax

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 three free credit reports available at AnnualCreditReport.com.

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

The Equifax 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 also is involved in fraud detection and prevention services.

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 stock is publicly traded on the New York Stock Exchange, under the symbol EFX.

COMPANY FACTS: Equifax is the oldest of the three major credit reporting agencies in the United States, and gathers and maintains information on more than 400 million credit holders worldwide. The global service provider generated more than $2.66 billion in annual revenue in 2015, and has approximately 8,000 employees worldwide.


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