Equifax

Equifax Inc. is a prominent provider of information solutions and human resources outsourcing services, operating in various sectors including financial services, telecommunications, and government. The company is structured into several segments: U.S. Information Solutions, Workforce Solutions, International, and Global Consumer Solutions. Its U.S. Information Solutions segment focuses on offering credit information, scoring, fraud detection, and consulting services. Workforce Solutions specializes in employment and income verification, as well as payroll and tax management services. The International segment provides a range of consumer and commercial information services, while Global Consumer Solutions delivers credit monitoring and identity theft protection directly to consumers. Founded in 1899 and headquartered in Atlanta, Georgia, Equifax serves clients across numerous industries in North America, Europe, and Latin America, making it one of the leading credit bureaus alongside Experian and TransUnion. The company plays a crucial role in facilitating credit decisions for lenders and has a significant portion of its revenue derived from its workforce solutions segment.

Michael Vanderkaden

Vice President, Corporate Development of Equifax Canada

Robin Moriarty Ph.D

Senior Vice President, Strategy and Strategic Initiatives, International

Past deals in Credit Bureau

Boa Vista

Acquisition in 2023
Boa Vista is a Brazilian company that offers analytics solutions to take decisions in credit and business.

Profile Credit

Acquisition in 2023
Profile Credit specializes in providing accurate and timely credit information services, focusing on the food and agricultural industries. The company utilizes a variety of data sources, including bank records, vendor payments, and legal information, to deliver specialized reports that help clients manage bad debts effectively. By offering quick access to relevant information, Profile Credit enables its clients to make informed decisions swiftly, thereby improving their debt management processes.

Data-Crédito

Acquisition in 2022
Data-Crédito is a consumer credit reporting agency in the Dominican Republic.

Ansonia Credit Data

Acquisition in 2020
Ansonia Credit Data, Inc., founded in 2006 and headquartered in Olympia, Washington, specializes in providing business credit reporting services and related technology products. The company offers a range of tools, including business credit reports, construction credit reports, online credit applications for streamlined credit decisions, and alert systems for early warnings on potential write-offs. Ansonia Credit Data also features analytical tools to assess receivables portfolios, along with research and fraud alerts. By delivering robust credit intelligence and continuously updated information at competitive prices, Ansonia serves business owners, executives, credit managers, and sales professionals, positioning itself as a leading alternative to traditional credit reporting services. As of July 2020, it operates as a subsidiary of Knowledge Works, Inc.

PayNet

Acquisition in 2019
PayNet is a credit ratings company that specializes in providing analytics and risk management solutions tailored for small businesses within the commercial credit industry. By aggregating and analyzing up-to-date financial payment information from various lenders, PayNet delivers valuable insights that assist lenders in making informed lending decisions. The company’s offerings enable lenders to identify growth opportunities while managing risks effectively, offering predictive analytics that forecast potential default rates. This proactive approach allows lenders to implement measures that avert portfolio risks instead of merely detecting them. Ultimately, PayNet's tools empower financial institutions to enhance operational efficiencies and optimize their lending strategies, fostering a more resilient lending environment for small businesses.

DataX

Acquisition in 2018
DataX Ltd. is a specialty finance credit reporting agency and alternative data provider based in Las Vegas, Nevada, founded in 2004. The company offers a comprehensive suite of financial management solutions designed to help businesses mitigate risk and enhance profitability. Its extensive database includes demographic, financial, and tradeline information on millions of consumers across the United States, making it one of the largest resources of its kind. DataX provides a range of services, including credit risk mitigation, fraud prevention, and real-time credit reporting, catering to various industries such as specialty finance, marketplace lending, and automotive finance. By leveraging advanced data intelligence and analytics, DataX enables businesses to know their customers, manage risk proactively, and optimize their operations while safeguarding against fraud. As of 2018, DataX operates as a subsidiary of Equifax Inc.

Veda Advantage

Acquisition in 2015
Veda Advantage is a data analytics company recognized as the leading provider of credit information and analysis in Australia and New Zealand. Established in 1967, Veda originated as a credit bureau and has since broadened its offerings to include a range of credit and analytical products tailored to various customer needs and industry segments. Clients utilize Veda's data intelligence to assess credit risk, verify identities, conduct employee background checks, minimize identity theft and fraud, and implement digital marketing strategies. In February 2016, Veda was acquired by Equifax Inc., a prominent global information solutions provider. This partnership enhances Veda's capabilities, allowing it to leverage Equifax's extensive data resources and innovative analytics, thereby enabling customers to make well-informed decisions.

Forseva

Acquisition in 2014
Forseva is a Chicago-based company that specializes in developing cloud computing applications designed to enhance credit and collections management for businesses. Founded in October 2009, Forseva provides solutions that enable organizations to efficiently assess customer credit risk, automate credit monitoring, prioritize collections activities, and address late payment issues. Its flagship product, ForsevaTRM, integrates credit and collections management to streamline workflows and improve decision-making throughout the quote-to-cash cycle. The company serves a diverse client base, including notable organizations such as BNSF Railway, Hitachi Data Systems, Ingram Micro, LinkedIn, AmerisourceBergen, and Regions Bank. In 2014, Forseva was acquired by Equitax.

TrustedID

Acquisition in 2013
TrustedID, Inc. is a company based in Palo Alto, California, that specializes in proactive identity protection solutions for corporations, organizations, and government agencies. Founded in 2005, it offers products designed to detect and prevent identity theft, including IDEssentials, a comprehensive protection system, and IDFreeze, which helps users control access to their credit reports. TrustedID also provides CreditLock, ensuring that users' credit information is safeguarded from unauthorized access, and Threat Score, a service that assesses a user's risk level of identity theft. Additionally, it offers data breach response services to assist victims affected by breaches. The company's products are available through financial institutions, consumer brands, and directly via its website. In 2011, TrustedID expanded its capabilities by acquiring Unsubscribe.com and Reppler.com.

Austin-Tetra

Acquisition in 2006
Austin-Tetra, Inc. is a provider of outsourced business data management services, specializing in supplier and customer data management for corporations and large institutions. Founded in 1993 and based in Irving, Texas, the company offers a range of services, including supplier data management, customer data management, and comprehensive data content solutions. Austin-Tetra's offerings encompass corporate ownership linkage, industry and product categorization, business demographics, credit scoring, risk analysis, and diversity status. The company serves various sectors, including automotive, business services, consumer products, education, government, energy, financial services, healthcare, technology, media, and pharmaceuticals. Austin-Tetra has established strategic partnerships with notable organizations such as A.T. Kearney, PRG-Schultz, and SAS Institute. As of October 2006, it operates as a subsidiary of Equifax Inc.

APPRO Systems

Acquisition in 2005
APPRO Systems is a provider of comprehensive, automated credit risk management and financial technologies for the Internet and traditional lending environments.
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