What TDX Group does

TDX Group is a UK-based, fully managed collections and recoveries solution operating as a wholly-owned subsidiary of Equifax (NYSE: EFX). Founded in 2004 and headquartered in Nottingham with a registered office at 1 Angel Court, London, the company serves UK financial services creditors — banks, lenders, and credit providers — alongside public sector organisations managing ethical debt recovery. TDX reports managing more than 4.2 million accounts and recovering over £1 billion annually on behalf of clients, positioning it as one of the larger-scale ethical collections platforms in the UK market.

The company's core product is an end-to-end collections and recoveries platform that pairs Equifax bureau data with client behavioural, activity, demographic, and financial data, applied through proprietary precision scoring, dynamic collection models, and analyst-managed digital customer journeys. Key technical capabilities include individual-level treatment strategy selection, proactive vulnerability identification, and a configurable modular architecture that allows clients to adopt either full managed services or modular components. The offering is complemented by Equifax Equip, a unified access platform for consumer credit reporting, fraud and identity verification, debtor management, asset reunification, and investigation reports. TDX holds ISO 27001, 9001, 22301, and 14001 certifications and is working towards ISO 22458 for consumer vulnerability, with Equifax Limited providing FCA-regulated oversight.

TDX operates a B2B enterprise managed services revenue model, with fees tied to debt recovery outcomes rather than publicly disclosed pricing. Go-to-market is executed through Equifax UK's direct enterprise field sales force and specialist consultation channels, supported by content marketing, LinkedIn, YouTube, and PR via the Equifax UK brand. Customer segments are split between financial services creditors (primary) and public sector organisations (secondary), with vertical segmentation and emphasis on regulatory compliance, Consumer Duty adherence, and ethical treatment of vulnerable customers. Headcount is reported at 251-500 employees.

Name

TDX Group

Legal name

TDX Group

Website

https://tdxgroup.com

Company type

Private

Founded year

2004

Operating status

Operating

Headcount range

251–500 employees

Short description

TDX Group provides fully managed collections and recoveries solutions to UK financial services creditors and public sector organisations. As an Equifax subsidiary, it manages over 4.2 million accounts and recovers more than £1 billion annually using bureau data, machine learning, and purpose-built technology.

Ownership category

akta.pro rank

Product category

Debt Collections and Recoveries Software

NAICS

Collection Agencies (56144)

SIC

Services-Consumer Credit Reporting, Collection Agencies (7320)

akta.pro primary industry

Third-Party Collection Agencies (Consumer) (FSAKAJAB)

akta.pro secondary industries

Third-Party Debt Collection Agencies (Consumer & Commercial) (BPAAAEAB), Collections, Recovery & Debt Management Platforms (FSAGAHAI)

Keywords

• Debt collections software
• Creditor recovery services
• Collections management platform
• Ethical debt recovery
• Recoveries managed services

Headquarters

HQ city

Nottingham

HQ country

United Kingdom

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Collections & Recoveries Managed Services: TDX Group provides a fully managed collections and recoveries solution to creditors, recovering £1bn annually across a portfolio of over 4.2 million accounts. Revenue is generated through fees tied to the recovery of debts on behalf of clients (creditors, lenders, banks), operating on a B2B enterprise model with configurable modular and full end-to-end managed solution tiers.

Go-to-market motion1 record

Distribution channels1 record

Marketing channels7 records

Core offering

TDX Group provides a fully managed collections and recoveries solution for financial services creditors and public sector organisations. The company pairs Equifax bureau data with advanced analytics, machine learning, and behavioural/activity data to deliver ethical debt collections, managing over 4.2 million accounts and recovering more than £1bn annually for clients. Its offering is delivered either as an end-to-end managed service or via a configurable modular platform.

Product overview

TDX Group, an Equifax company, provides a collections and recoveries platform with configurable debt solutions. The core offering is a fully managed Collections & Recoveries solution that pairs Equifax data insights with advanced analytics, complemented by the Equifax Equip platform which provides unified access to consumer credit reporting, fraud & ID, debtor management, and customer management capabilities. The company manages over 4.2 million accounts and recovers £1bn annually.

Differentiator

Problem solved

Functional benefit

Products and services

• Collections & Recoveries A fully managed collections and recoveries solution for banks, lenders, credit providers, and public sector organisations that combines Equifax bureau data insights with advanced analytics and machine learning. Manages over 4.2 million accounts and recovers more than £1bn annually while treating customers ethically and supporting regulatory compliance such as Consumer Duty.
• Equifax Equip A unified access platform that enables users to access consumer credit reporting, fraud and identity verification, debtor management, customer management, asset reunification, and investigation reports in one place.

Quantifiable outcome

• Recovering over £1bn annually for clients
• +2 more outcomes

Segments2 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability4 records

Feature6 records

Partnerships

One partnership is on record.

• EquifaxcoreOthersTDX Group is an Equifax company. It operates as a fully managed Collections and Recoveries solution within the Equifax UK business unit, leveraging Equifax's unique data assets, technology infrastructure, brand credibility, and enterprise sales channels to deliver its services to financial services creditors. This is a parent-subsidiary relationship rather than a commercial partnership.

Scale indicators3 records

Recent moves5 records

Expansion highlights5 records

Direct peers

• Lowell Group: One of the largest UK and European credit management services groups, purchasing and collecting on consumer debt. Directly comparable to TDX in business model (third-party collections), customer base (UK banks and lenders) and scale of managed portfolios.
• Marston Holdings: UK provider of debt recovery, enforcement and compliance services across both private and public sectors. Comparable to TDX for collections operations targeting UK government, utilities and financial creditors.
• EOS Group: Otto Group-owned international debt collection company operating across Europe and the UK. Comparable to TDX as a third-party consumer and commercial collections provider serving banks and large creditors.
• Hoist Finance: European specialist in non-performing consumer loans, with UK debt purchase and servicing operations. Direct peer for managed debt portfolios and creditor outsourcing in the UK market.
• Intrum: Europe's largest credit management and debt purchase company with established UK presence. Comparable as a B2B creditor services and outsourced collections platform across European markets including the UK.
• Cabot Financial (Encore Capital): UK-focused debt purchase and collections arm of Encore Capital Group. Comparable to TDX as a third-party consumer debt collection agency operating in the UK with major bank and lender clients.
• Arrow Global (now part of TPG Inc.): UK and European credit management services and debt purchase business. Direct peer in consumer debt collection, asset management and credit servicing for major UK financial institutions.
• PRA Group: Global acquirer and servicer of non-performing loans with significant UK operations. Direct peer in collections outsourcing and debt purchase, serving many of the same financial-services creditors as TDX.

Others

• Creditsafe: UK and global business credit data provider with related collections and receivables services. Adjacent rather than direct — comparable as a UK-headquartered credit data and business support services player serving similar creditor customers.

Emerging players

• TrueAccord: US-headquartered digital-first, ML-driven consumer debt collection platform. Comparable to TDX in its use of behavioural data and digital customer journeys, though primarily US-focused and serving consumer-credit issuers.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks1 record

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/@EquifaxUKBusiness/videos
• LinkedInlinkedin.com/company/tdx-group
• Xx.com/TDXComms

Compliance5 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles9 records

Funding overview

Funding rounds1 record

Investors1 record

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 TDX Group