Equifax
Equifax is a global data, analytics, and technology company operating as a major U.S. credit bureau, serving financial institutions, employers, government, insurers, and consumers across 24 countries with credit reporting, verification, identity/fraud prevention, and AI-powered analytics solutions.
- Company typePublic
- Founded1899
- HeadquartersAtlanta, United States
- Headcount5,001–10,000
- GTM typeB2B and B2C
- OfferingSoftware
What Equifax does
Equifax is a global data, analytics, and technology company founded in 1899 and headquartered in Atlanta, Georgia, operating as one of three major U.S. credit bureaus. The company serves financial institutions, employers, government agencies, insurers, and individual consumers across 24 countries with a portfolio spanning credit reporting, identity and fraud prevention, employment and income verification, and consumer credit monitoring products. Equifax generates revenue through five primary streams: B2B data and analytics subscriptions, verification services (including The Work Number), transaction-based consumer credit scoring (e.g., VantageScore 4.0 priced at $1 per mortgage score), direct-to-consumer subscriptions (Equifax Complete family at $9.95–$29.95/month), and data licensing to fintech partners.
The underlying technology foundation is the cloud-native Equifax Cloud infrastructure and the proprietary EFX.AI platform, which together with approximately 300 patents supports explainable AI products including Amplify AI, NeuroDecision (introduced 2015), OneScore, and Optimal Path. The Work Number employment and income verification database covers more than half of the U.S. workforce and is embedded into partner platforms such as Trimble Vista/Spectrum and GBG Go. The consumer-facing surface includes the myEquifax mobile app, Equifax Complete family of subscription products, and free Equifax Core Credit. In Q1 2026, Equifax reported record revenue of $1.649 billion (+14% YoY), with full-year 2026 guidance of $6.69–$6.81 billion, supported by aggressive product launches, embedded partnerships, and continued M&A activity (most recently Vault Verify in November 2025).
Equifax firmographics
Firmographics- Name
- Equifax
- Legal name
- Equifax Inc.
- Website
- https://equifax.com
- Company type
- Public
- Founded year
- 1899
- Operating status
- Operating
- Headcount range
- 5,001–10,000 employees
- Short description
- Equifax is a global data, analytics, and technology company operating as a major U.S. credit bureau, serving financial institutions, employers, government, insurers, and consumers across 24 countries with credit reporting, verification, identity/fraud prevention, and AI-powered analytics solutions.
- Ownership category
- akta.pro rank
Equifax industry classification
Industry- Product category
- Credit Bureau & Data Analytics
- NAICS
- Credit Bureaus (561450), Credit Bureaus (56145), Activities Related to Credit Intermediation (5223)
- SIC
- Personal Credit Institutions (6141), Services-Consumer Credit Reporting, Collection Agencies (7320)
- akta.pro primary industry
- Credit Bureaus & Consumer Credit Reporting Agencies (FSAKAKAA)
- akta.pro secondary industries
- Credit Score Monitoring & Credit Building (FSAGADAE), Alternative / Non-Traditional Credit Data Providers (FSAKAKAB), Risk, Compliance & Controls for Embedded Finance (KYB/KYC/AML, Fraud, Disputes) (FSAGALAK)
Keywords
Where Equifax is headquartered
LocationHeadquarters
- HQ city
- Atlanta
- HQ country
- United States
- HQ region
- North America
Offices3 records
Markets served
Equifax business model
Business model- GTM type
- B2B and B2C
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Infrastructure, Operations, Marketing or Sales
Revenue model
- B2B Data and Analytics Services: Subscription and transaction-based revenue from providing credit data, analytics, verification services, and identity/fraud solutions to financial institutions, employers, government agencies, and businesses. Includes The Work Number employment verification, mortgage credit scoring, and enterprise data solutions.
- Verification Services: Revenue from HR and income verification services including The Work Number, employment verification, and identity verification solutions sold to employers, verifiers, and financial services companies.
- Consumer Credit Scoring: VantageScore credit scoring services and mortgage credit scores offered at $1 per score, representing 90% reduction from previous costs. Revenue from mortgage lenders and financial institutions accessing credit scores.
- Consumer Subscription Products: Direct-to-consumer subscription products including Equifax Complete ($9.95/month), Equifax Complete Premier ($19.95/month), and Equifax Complete Family Plan ($29.95/month), plus free Equifax Core Credit with VantageScore 3.0.
- Data Licensing: Licensing of proprietary data assets to fintech companies, data brokers, and partners including DigsFact using Fintech Sandbox's Equifax partnership to monitor 25 million transactions per day.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Freemium | Others | Free daily VantageScore 3.0 credit score and Equifax credit report access |
| Subscription | Monthly | Single adult credit monitoring and ID theft protection |
| Subscription | Monthly | 3-bureau credit features and extra ID theft protection for one adult |
| Subscription | Monthly | Family credit and ID theft protection for two adults and four children |
| Unit Pricing | Pay-as-you-go | Mortgage credit score at $1 per score |
Go-to-market motion3 records
Distribution channels7 records
Marketing channels7 records
Equifax product offering
Product offeringCore offering
Equifax is a global data, analytics, and technology company that aggregates credit, employment, income, and identity information on more than 60 billion consumer interactions and sells credit reports, credit scores (VantageScore), employment and income verifications, identity and fraud solutions, and AI-powered analytics to financial institutions, employers, government agencies, insurers, and fintechs. It also sells direct-to-consumer credit monitoring, identity protection subscriptions, and the myEquifax mobile app to U.S. consumers.
Product overview
Equifax operates as a unified platform-plus-modules architecture offering both consumer-facing credit monitoring/identity protection products and business-to-business data analytics, verification, and fraud prevention solutions. Consumer products include Equifax Complete™ family of subscription services (Family Plan, Premier, Core Credit), Lock & Alert™, myEquifax mobile app, and Optimal Path™ AI-powered credit score planner. Business offerings span Equifax Ignite® analytics platform with AI Advisor, OneScore alternative credit scoring, The Work Number® employment/income verification, and synthetic identity/fraud detection solutions. All are powered by proprietary EFX.AI and Amplify AI platforms deployed on Equifax Cloud infrastructure, with approximately 300 AI patents supporting responsible explainable AI capabilities.
Differentiator
Problem solved
Functional benefit
Products and services
- Equifax Complete Family Plan Family credit and identity theft protection subscription including all Premier features for two adults plus Equifax credit monitoring for up to four children, with up to $2 million in ID theft insurance.
- Equifax Complete Premier Premium consumer subscription at $19.95/month providing 3-bureau credit features, extra ID theft protection, and up to $2 million in identity theft insurance for one adult.
- Equifax Complete Single-adult credit monitoring and ID theft protection subscription at $9.95/month with alerts for key changes to Equifax credit report and dedicated ID Restoration Specialists.
- Equifax Core Credit Free consumer product offering daily VantageScore 3.0 credit scores and daily access to Equifax credit report to track financial progress.
- Equifax Credit Monitor 1-bureau credit monitoring service providing alerts for changes to Equifax credit report.
- Lock & Alert Credit lock and alert service allowing consumers to lock Equifax credit report and receive alerts for potential fraudulent activity.
- Equifax ID Patrol Identity theft protection service with credit monitoring and dark web surveillance for Social Security numbers.
- myEquifax Mobile App Mobile application on iOS and Android enabling consumers to access credit reports, manage security freezes, submit disputes, view Optimal Path plans, and access Equifax consumer products.
- Equifax Ignite Analytics platform for businesses providing data-driven insights for financial decisions, now featuring the AI Advisor for opportunity identification built with Equifax Amplify AI and powered by Equifax Cloud.
- OneScore Credit scoring model leveraging EFX.AI and alternative data alongside traditional consumer credit attributes to provide more predictive and holistic view of credit risk for lenders, broadening lending pool to underserved populations.
- The Work Number Employment and income verification database and service enabling automated verifications for employers, verifiers, and consumers across financial and social services.
- The Work Number Record Indicator Solution combining income and employment insights from The Work Number with the Equifax consumer credit report at loan application start, allowing lenders to instantly segment workflows for automated approvals.
- Credit Abuse Risk AI-powered fraud-detection platform using machine learning to identify patterns of fraudulent financial behavior such as loan stacking and credit washing by analyzing regulated credit data during prequalification, account origination, or portfolio review.
- Synthetic Identity Risk AI-powered detection tool targeting synthetic identity patterns and deepfakes as part of Equifax's fraud prevention portfolio.
- Equifax Identity and Fraud Solutions Suite of identity verification and fraud prevention solutions including synthetic identity risk detection, integrated into partner platforms like GBG Go for real-time address verification and fraud detection.
- VantageScore 4.0 Joint credit scoring model owned by Equifax, Experian, and TransUnion, offered at $1 for mortgage credit scores to expand access to homeownership and reduce industry costs.
Quantifiable outcome
- Record Q1 2026 revenue of $1.649 billion, up 14% year-over-year, $37 million above guidance
- +7 more outcomes
Companies that use Equifax
Customer profileNamed customers8 records
Segments6 records
Ideal customer profiles5 records
Equifax technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration10 records
AI capability11 records
Feature11 records
Equifax partnerships and signals
Strategic signalScale indicators12 records
Recent moves7 records
Expansion highlights6 records
Equifax competitors and assessment
Company assessmentDirect peers
- FICO: The dominant consumer credit score provider in the U.S. and the de facto industry standard via FICO Score. Deeply intertwined with Equifax (which distributes FICO scores via its bureau channels) but a direct competitor at the scoring/analytics layer with its own analytics platform, Falcon fraud products, and decisioning software.
- TransUnion: The third major U.S. credit bureau. Competes head-to-head with Equifax and Experian on credit reporting, risk and information services, and emerging consumer products; co-owns VantageScore and operates a global consumer credit database with overlapping international markets.
- Experian: One of the two other major U.S. credit bureaus alongside TransUnion. Directly competes with Equifax in consumer credit reporting, scoring (co-owns VantageScore with Equifax), identity verification, and analytics; serves the same financial institution, employer, and consumer segments with a comparable global footprint.
Broad incumbents
- LexisNexis Risk Solutions: Division of RELX providing large-scale consumer and business data, identity verification, fraud detection, and analytics. Overlaps directly with Equifax in identity, fraud, and compliance use cases and serves the same financial services, insurance, and government buyers, but operates as part of a broader legal/regulatory information portfolio.
- Verisk Analytics: Public data analytics and risk-assessment firm serving insurance, financial services, and government. Overlaps with Equifax on insurance underwriting analytics, fraud detection, and specialized industry data, but is anchored in insurance rather than consumer credit and identity.
- Dun & Bradstreet: Long-established business credit reporting and commercial data analytics provider. Comparable to Equifax's business information and commercial credit offerings, especially for SMB and corporate credit decisions; broader in trade credit and supply chain but narrower on consumer credit and identity.
- Visa (Featurespace, Pismo): Payments network that has expanded into risk, identity, and AI-driven fraud prevention via acquisitions like Featurespace. Overlaps with Equifax in real-time transaction fraud and risk analytics, but approaches the market from the network/issuer side rather than the credit bureau model.
- Mastercard (Identity, Ekata, NuData): Global payments network that has built a sizeable identity, fraud, and cybersecurity franchise through Ekata and NuData. Competes with Equifax on identity verification and synthetic fraud detection for financial institutions, but delivers these capabilities via payment-network integrations rather than as a credit bureau.
Emerging players
- ID.me: Digital identity verification network used heavily by government agencies (e.g., IRS, VA) and enterprises for KYC and fraud. Comparable to Equifax's identity and fraud solutions for government and consumer segments, but focused on reusable, user-consented digital identity rather than bureau-based verification.
- Plaid: Open banking and account verification infrastructure used by fintechs and lenders. Competes with Equifax in income/employment verification and account-ownership flows (similar to The Work Number Record Indicator) but does so via bank-account data rather than employer-reported payroll data.
Market position
Strengths5 records
Weaknesses4 records
Competitive moat7 records
Key risks6 records
Key highlights7 records
Customer concentration
Equifax social profiles
Digital presenceEquifax compliance and trust
Trust signalCompliance3 records
Equifax financial estimates
Financial estimateRevenue estimate
Valuation estimate
Equifax leadership team
Management profileNumber of profiles
Profiles15 records
Equifax subsidiaries and ownership
Company hierarchySubsidiaries6 records
Equifax funding detail
Funding detailFunding overview
Funding rounds1 record
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Equifax M&A and investment
M&A and investmentM&A39 records
Investments2 records
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Equifax
What does Equifax do?
Equifax is a global data, analytics, and technology company that aggregates credit, employment, income, and identity information on more than 60 billion consumer interactions and sells credit reports, credit scores (VantageScore), employment and income verifications, identity and fraud solutions, and AI-powered analytics to financial institutions, employers, government agencies, insurers, and fintechs. It also sells direct-to-consumer credit monitoring, identity protection subscriptions, and the myEquifax mobile app to U.S. consumers.
Is Equifax a public or private company?
Equifax is a public company. It is classified as public and is currently operating.
When was Equifax founded?
Equifax was founded in 1899. It employs 5,001 to 10,000 people.
Where is Equifax based?
Equifax is headquartered in Atlanta, United States, in the North America region.
How does Equifax make money?
Five revenue lines are on record. B2B Data and Analytics Services are the primary driver. The others are verification Services, consumer Credit Scoring, consumer Subscription Products and data Licensing.
Who are Equifax's main competitors?
Direct peers on record are FICO, TransUnion and Experian. Broad incumbents are LexisNexis Risk Solutions, Verisk Analytics, Dun & Bradstreet, Visa (Featurespace, Pismo) and Mastercard (Identity, Ekata, NuData). Emerging players are ID.me and Plaid.
Does Equifax have an API?
Yes. Equifax offers a public Developer Portal providing API access for business customers. The API enables developers to integrate Equifax's data and analytics capabilities including credit reporting, identity verification, fraud prevention, and employment verification services. APIs support verification solutions like The Work Number for income and employment data. Developer documentation is at developer.equifax.com.
What industry is Equifax in?
Equifax's product category is Credit Bureau & Data Analytics. Its primary akta.pro industry code is FSAKAKAA, Credit Bureaus & Consumer Credit Reporting Agencies, with a secondary code of FSAGADAE, Credit Score Monitoring & Credit Building. Its NAICS code is 561450 and its SIC code is 6141.