Equifax

What Equifax does

Equifax is a global data, analytics, and technology company that operates in the UK through Equifax Limited, an FCA-authorised credit reference agency headquartered at 1 Angel Court, London. Founded in 1899, it serves two customer sets. On the consumer side, Equifax offers credit monitoring and identity protection through a tiered subscription product family (Equifax Basic, Equifax Credit Report & Score at £14.95/month, and Family & Friends at £22.95/month for up to three adults), with features including daily or monthly credit score updates, dark-web monitoring (WebDetect), social-media exposure scanning (SocialScan), and rewards via tastecard; the myEquifax app and Equifax Marketplace (with ClearScore and Quotezone partnerships) drive self-serve acquisition. On the enterprise side, Equifax delivers six business solution lines — Credit Risk & Affordability, Verification & Authentication, Identity & Fraud, Commercial Financing Decisions, Data-Driven Marketing, and Collections & Recoveries — sold through dedicated specialists and accessed via the unified Equifax Equip platform.

The company's technology base is a cloud-native stack built on Equifax Cloud (which hosts 90% of revenue) and the proprietary EFX.AI platform, which powers AI-driven credit scoring, fraud detection, and product innovation; the Vitality Index of revenue from products launched in the last three years reached a record 15% in 2025. Data modernisation with TCS and Google Cloud achieved an 80% reduction in batch processing time, a 100% increase in online throughput, and over £6.5 million in annual cost savings, while decommissioning legacy mainframes. Other proprietary assets include The Work Number and the recently acquired Vault Verify (2025) for employment and income verification, and an AI Innovation Lab in Wexford, Ireland.

Equifax monetises through recurring consumer subscriptions, enterprise multi-year contracts for data and analytics services, marketplace commissions from comparison partners, transaction fees from mortgage credit assessment (which grew 13% against a declining underlying mortgage market), and verification transaction fees from the Workforce Solutions business. It reported a 7% overall revenue increase in Q4 2025. Geographic reach spans the Americas (US, Canada, Brazil, Mexico and additional LatAm markets), Europe (UK, Portugal, Spain, Poland, Greece), and Asia & Oceania (Australia, New Zealand, India), with 28.8 million myEquifax users globally and 76.7% of net sales generated in the United States. Recent strategic moves include partnerships with BIK (Poland) and Tiresias (Greece), an enhanced Gen Digital distribution deal spanning Norton, Avast, LifeLock, and MoneyLion, and the Vault Verify acquisition that extends Workforce Solutions.

Name

Equifax

Legal name

Equifax Inc.

Website

https://equifax.co.uk

Company type

Public

Founded year

1899

Operating status

Operating

Headcount range

101–250 employees

Short description

Equifax Limited is a UK FCA-authorised credit reference agency offering consumer credit monitoring and identity protection subscriptions, and enterprise solutions across credit risk, verification, identity and fraud, commercial financing, marketing, and collections, serving lenders, employers, fintechs, and 28.8 million global myEquifax users.

Ownership category

akta.pro rank

Product category

Credit Reporting & Data Analytics

NAICS

Credit Bureaus (561450), Activities Related to Credit Intermediation (5223)

SIC

Services-Consumer Credit Reporting, Collection Agencies (7320)

akta.pro primary industry

Account Verification & Ownership (AVS/AOV, micro-deposits, auth) (FSAGACAB)

akta.pro secondary industries

Risk, Compliance & Controls for Embedded Finance (KYB/KYC/AML, Fraud, Disputes) (FSAGALAK), Debt Management & Paydown (Student Loans, Credit Cards) (FSAGADAD)

Keywords

• Credit reporting services
• Identity protection
• Credit risk analytics
• Employment verification
• Fraud prevention

Headquarters

HQ city

London

HQ country

United Kingdom

HQ region

Europe

Offices3 records

Markets served

GTM type

B2B and B2C

Offering type

Software

Cost components

Technology or R&D, Infrastructure, Personnel, Operations, Marketing or Sales

Revenue model

1. Consumer Subscription Services: Monthly subscription plans for credit monitoring, identity protection, and credit report access. Revenue from paid tiers (Equifax Credit Report & Score at £14.95/month, Family & Friends at £22.95/month) and free basic tier.
2. Business Data & Analytics Services: Enterprise solutions for credit risk, verification & authentication, identity & fraud, data-driven marketing, commercial financing decisions, and collections & recoveries. Revenue from business clients including lenders, financial institutions, and other enterprises.
3. Mortgage Services: Revenue from mortgage credit assessment and scoring services. Mortgage revenue grew 13% despite decline in underlying mortgage market.
4. Marketplace Commissions: Revenue from referral commissions through marketplace partnerships with ClearScore (loans, credit cards, car finance) and Quotezone (insurance). Partners receive commissions for referred customers.
5. Verification Services: Income and employment verification services through The Work Number and Vault Verify, integrated into Workforce Solutions.

Pricing tiers

Go-to-market motion3 records

Distribution channels8 records

Marketing channels10 records

Core offering

Equifax is a global data, analytics, and technology company that provides credit reporting, credit scoring, identity and fraud protection, employment and income verification, and collections and recoveries services. The company sells its services through the Equifax Cloud platform powered by the EFX.AI artificial intelligence engine, serving both enterprise customers (lenders, financial institutions, employers) via direct sales and individual consumers via self-serve subscription products.

Product overview

Equifax offers a multi-tiered consumer credit monitoring and identity protection platform, with three subscription tiers: Equifax Basic (free with monthly credit score and statutory report), Equifax Credit Report & Score (£14.95/month with daily score updates, identity protection via WebDetect and SocialScan, and tastecard rewards), and Equifax Family & Friends (£22.95/month covering up to 3 adults with all premium features). The myEquifax app includes the Car Finance Checker tool for FCA redress scheme eligibility. For businesses, Equifax provides solutions across Credit Risk & Affordability, Verification & Authentication, Identity & Fraud, Commercial Financing Decisions, Data-Driven Marketing, and Collections & Recoveries, accessible through the Equifax Equip unified platform. The Marketplace partners with ClearScore for loan, credit card, and insurance comparisons. The company operates its analytics capabilities through the EFX.AI platform and Equifax Cloud infrastructure, with recent acquisitions including Vault Verify for employment verification services.

Differentiator

Problem solved

Functional benefit

Brands

• myEquifax: Mobile app and online platform for consumers to access credit scores, credit reports, and motor finance checker functionality
• Equifax Credit Report & Score
• Equifax Basic
• Equifax Family & Friends
• Equifax Car Finance Checker
• Equifax WebDetect
• Equifax SocialScan
• tastecard
• Equifax Equip
• EFX.AI
• Equifax Cloud
• AI Innovation Lab
• Optimal Path

Products and services

• Equifax Credit Report & Score Premium credit monitoring and identity theft protection subscription providing UK consumers with daily credit score updates (out of 1000), full credit report access, identity protection via WebDetect and SocialScan, credit alerts, and rewards through the tastecard partnership. First 30 days free, then £14.95/month.
• Equifax Family & Friends Multi-user credit monitoring subscription plan covering up to three UK adults for £22.95/month, offering all benefits of Credit Report & Score including daily credit alerts, 24/7 identity protection, WebDetect and SocialScan, and tastecard rewards for the main account holder. Saves £240 over 12 months vs individual subscriptions.
• Equifax Basic Free credit monitoring service launched in October 2025 providing monthly Equifax Credit Score access (0-1000 scale) and statutory credit report access, designed to help UK consumers monitor and build their creditworthiness.
• Equifax Statutory Credit Report Free lifetime statutory credit report showing credit history information that lenders may use when assessing credit applications, accessible online or by post for UK consumers.
• Equifax Marketplace Comparison platform partnering with ClearScore enabling UK consumers to compare and access personalized offers for personal loans, credit cards, homeowner loans, car finance, car insurance, and home insurance with soft credit checks that do not affect credit scores.
• Credit Risk & Affordability Enterprise business solution helping lenders effectively manage credit risk and grow portfolios through increased acceptance rates, improved access to credit, automated credit decisions, and enhanced affordability assessments.
• Verification & Authentication Enterprise business solution enabling organizations to verify customer identity, streamline onboarding, authenticate customers, verify income efficiently, and improve customer acquisition.
• Identity & Fraud Enterprise business solution protecting organizations and customers from fraud on every step of the customer journey, including preventing digital and payment fraud, reducing chargebacks, and combating first and third party fraud.
• Commercial Financing Decisions Enterprise business solution for assessing credit risk, automating decisions, predicting cash flow, and verifying/authenticating for commercial financing decisions.
• Data-Driven Marketing Privacy-first intelligent marketing solution helping businesses target right audiences online, analyse market potential, improve marketing strategies, and reduce customer acquisition costs.
• Collections & Recoveries Enterprise business solution treating customers ethically while optimizing collections, recoveries, and outcomes including improving customer outcomes, optimising performance, and supporting regulatory compliance.
• Vault Verify (Employment & Income Verification) Employment and income verification services provider acquired by Equifax in November 2025, integrated into the Workforce Solutions business unit to enhance data resources for verifiers and employers.

Quantifiable outcome

• 80% reduction in batch processing time through cloud migration
• +5 more outcomes

Named customers5 records

Segments6 records

Ideal customer profiles6 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability7 records

Feature7 records

Partnerships

Nine partnerships are on record, tiered core and minor.

• Biuro Informacji Kredytowej S.A. (BIK)coreStrategic or Co-development Partner · 1 June 2026Equifax UK partnered with Poland's primary credit bureau to expand client access to identity verification and fraud prevention capabilities. BIK gains access to Equifax's advanced identity and fraud services, combining them with BIK's behavioral verification expertise to combat threats including identity spoofing and AI-driven fraud. Partnership aims to strengthen fraud defenses across the financial ecosystem in Poland, the UK, and beyond while supporting financial inclusion for underserved populations.
• Tata Consultancy Services (TCS)coreTechnology or Integration · 14 April 2026Equifax UK partnered with TCS to modernize its data infrastructure, migrating critical workloads to Google Cloud and decommissioning legacy mainframe systems. The transformation achieved 80% reduction in batch processing time, doubled online throughput, and generated over £6.5 million in annual cost savings. The project improved customer experience and security for Equifax UK's operations.
• Gen DigitalcoreStrategic or Co-development Partner · 4 February 2026Enhanced partnership integrating Equifax's consumer financial health and fraud data into Gen's AI-driven services across Norton, Avast, LifeLock, and MoneyLion brands. Equifax will use Gen's Engine platform to enrich its myEquifax service for U.S. customers with customized financial product suggestions. Strategic response to rising cyber threats and financial uncertainties, blending financial intelligence with digital protection.
• Tiresias (Greece Credit Bureau)coreStrategic or Co-development Partner · 13 January 2026Equifax UK partnered with Greece's sole credit bureau Tiresias to develop modern credit assessment, fraud prevention, and debt management tools. The partnership aims to enhance financial inclusion, stimulate economic growth, and improve credit services in Greece, leveraging Equifax's data and analytics capabilities.
• KikoffcoreTechnology or Integration · 18 November 2025Kikoff integrated Equifax's Optimal Path Interactive Score Planner into its platform, enabling over one million members to set and pursue personalized credit score goals. The feature analyzes credit profiles, recommends specific actions, and provides weekly updates to help members improve their credit scores. Integration advances ongoing partnership to promote financial health.
• Vault VerifycoreTechnology or Integration · 17 November 2025Equifax acquired Vault Verify, a provider of employment and income verification services. The acquisition enhances Equifax's data resources for verifications and integrates Vault Verify into its Workforce Solutions business unit, improving verification capabilities for employers and verifiers.
• CoreLogic TeletrackcoreStrategic or Co-development Partner · 27 July 2021Equifax announced intention to acquire CoreLogic Teletrack, creating a leading U.S. specialty consumer reporting agency through combination of Teletrack with its DataX Business. Acquisition aims to expand access to credit via alternative data insights.
• ClearScorecoreGTM or Marketing PartnerEquifax marketplace partnership with ClearScore for personal loans, credit cards, homeowner loans, and car finance comparisons. ClearScore conducts soft credit searches using Equifax data to match consumers with suitable financial products. Equifax receives referral commissions for referred customers.
• Quotezone (Seopa Ltd)minorGTM or Marketing PartnerInsurance comparison partnership through Quotezone for car and home insurance products. Quotezone is authorized and regulated by FCA (FRN: 313860). Equifax receives share of commission for insurance products purchased through referral.

Scale indicators10 records

Recent moves6 records

Expansion highlights7 records

Direct peers

• Experian: The closest direct competitor globally, with comparable consumer credit reports/scores, business credit data, and identity/fraud solutions across the UK, US, and other markets — competing head-to-head for the same lenders and consumers Equifax serves.
• TransUnion: Another global consumer credit bureau with overlapping offerings across credit reporting, risk and information services, and emerging consumer direct channels — a primary substitute for Equifax across nearly all segments.
• CRIF: International credit bureau with strong European footprint, competing directly in business and consumer credit information, decisioning, and analytics — particularly relevant given Equifax's European expansion via BIK (Poland) and Tiresias (Greece).
• Truework: Named competitor in the same dataset for VOIE income/employment verification among top 10 US mortgage originators — directly attacking Equifax's The Work Number Workforce Solutions franchise.

Broad incumbents

• Dun & Bradstreet: Major business credit data and analytics incumbent comparable to Equifax's commercial financing decisioning and data-driven marketing offerings, with broader focus on B2B credit rather than consumer reporting.
• LexisNexis Risk Solutions: Part of RELX; competes with Equifax in identity verification, fraud detection, KYC/AML, and analytics for financial services — overlapping capabilities with the Identity & Fraud and Verification & Authentication product lines.
• Moody's Analytics: Incumbent risk analytics and credit data provider with deep relationships among regulated financial institutions; competes with Equifax's Credit Risk & Affordability and commercial decisioning solutions for enterprise risk budgets.
• Verisk: Data analytics and risk-assessment incumbent for insurance and financial services — comparable to Equifax in industry verticals, particularly insurance data products and analytics that intersect with Equifax's broader information services portfolio.

Emerging players

• Plaid: Bank account, income, and asset verification fintech increasingly used by lenders for verification workflows — overlap with Equifax's Verification & Authentication business and emerging threat to The Work Number in fintech-led channels.
• Credit Karma (Intuit): Free consumer credit monitoring and product-matching platform that overlaps directly with Equifax Basic and the myEquifax proposition, and competes for the same ad-funded/lead-gen economics that underpin Equifax's Marketplace partnerships.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/@EquifaxUKBusiness/videos
• LinkedInlinkedin.com/company/equifaxuk/posts
• Xx.com/equifaxukb2b

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Subsidiaries2 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A1 record

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Equifax