Equifax

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).

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

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

• Credit bureau services
• Identity verification
• Employment verification
• Fraud prevention solutions
• Credit risk analytics

Headquarters

HQ city

Atlanta

HQ country

United States

HQ region

North America

Offices3 records

Markets served

GTM type

B2B and B2C

Offering type

Software

Cost components

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

Revenue model

1. 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.
2. 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.
3. 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.
4. 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.
5. 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

Go-to-market motion3 records

Distribution channels7 records

Marketing channels7 records

Core 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

Named customers8 records

Segments6 records

Ideal customer profiles5 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration10 records

AI capability11 records

Feature11 records

Scale indicators12 records

Recent moves7 records

Expansion highlights6 records

Direct 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

• Xx.com/equifaxinsights
• YouTubeyoutube.com/user/Equifax
• Facebookfacebook.com/equifax
• LinkedInlinkedin.com/company/equifax
• Instagraminstagram.com/equifaxinc

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles15 records

Subsidiaries6 records

Funding overview

Funding rounds1 record

Investors

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

M&A39 records

Investments2 records

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

Frequently asked questions about Equifax