Equifax Products

Equifax Inc. is a consumer credit reporting agency in the United States, considered one of the three largest American credit agencies along with Experian and TransUnion. Founded in 1899, 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. Equifax is listed on the NYSE.

For most of its existence, Equifax has operated primarily in the business-to-business sector, selling consumer credit reports and related analytics to businesses in a range of industries Business customers include retailers, insurance firms, healthcare providers, utilities, government agencies, as well as banks and other financial institutions. Equifax sells businesses credit reports, analytics, demographic data, and software. Credit reports provide detailed information on the personal credit and payment history of individuals, indicating how they have honored financial obligations such as paying bills or repaying a loan. Businesses then use this information to decide what sort of products or services to offer their customers, and on what terms.

From 1999, Equifax began offering services to the credit consumer sector in addition, such as credit fraud and identity theft prevention products. Equifax, and other credit monitoring agencies are required by law to provide US citizens with one free credit file disclosure every 12 months; the Annualcreditreport.com website incorporates data from US Equifax credit records.