Equifax Perú

What Equifax Perú does

Equifax Perú operates as the Peruvian affiliate of Equifax Inc. (NYSE: EFX), a global data, analytics, and technology company headquartered in Atlanta, GA. The Peruvian entity, headquartered in San Isidro, Lima, and operating under the legacy Infocorp brand, provides credit reporting, risk analytics, identity verification, fraud prevention, and data-driven marketing solutions to financial institutions, retailers, insurers, automotive dealers, government entities, and individual consumers. Its consumer offerings include Reporte Crédito Infocorp (personal credit reports), Reporte Infocorp Empresarial (business credit reports), and Cobertura Total (12-month credit monitoring alerts) sold via a self-serve e-commerce portal and physical sales points including an Equifax Store in San Isidro and authorized Cámaras de Comercio locations across Huaraz, Trujillo, Ilo, and Aguas Verdes.

The company's enterprise product suite spans four functional pillars: Credit Risk (Portfolio Monitor, SIEC, Mora Control), Identity & Fraud (Kount, Biometrics, IRIS, PartnerCheck), Marketing Data (Mapdrive, Atributos Geo, Income Predictor), and Collections (CyberBox, Carta de Cobranzas, Fírmalo). Decisioning platforms InterConnect and Equifax Ignite unify these capabilities. Technology backbone leverages the global Equifax Cloud (~USD $3 billion multi-year investment) and EFX.AI/Amplify AI platform, which is backed by 400+ pending and 175+ approved AI patents including explainable AI techniques (neural networks, gradient boosting machines, random forests). Kount's AI fraud engine processes 32+ billion data points annually. In 2025, 100% of new models and scores released globally were built on EFX.AI.

The revenue model combines enterprise B2B subscriptions (credit information, analytics platforms, decisioning, fraud prevention) with consumer B2C transactional revenue (one-time credit report purchases and monthly Cobertura Total alerts). Go-to-market is multi-channel: dedicated enterprise sales for financial institutions and large accounts, an e-commerce self-serve portal for consumers, physical retail presence, and Cámaras de Comercio channel partners for regional distribution. As an affiliate of Equifax Inc., Equifax Perú benefits from parent-level R&D, cloud infrastructure, and compliance posture (ISO 27001) while operating as a local entity within Peru's regulatory and data environment.

Name

Equifax Perú

Legal name

Equifax Peru, Inc.

Website

https://equifax.pe

Company type

Public

Founded year

1899

Operating status

Operating

Headcount range

101–250 employees

Short description

Equifax Perú is the Peruvian affiliate of Equifax Inc. (NYSE: EFX), providing credit reporting, risk analytics, fraud prevention, identity verification, and data-driven marketing to banks, enterprises, and consumers under the Infocorp brand.

Ownership category

akta.pro rank

Headquarters

HQ city

Lima

HQ country

Peru

HQ region

Latin America

Offices3 records

Markets served

GTM type

B2B and B2C

Offering type

Software

Cost components

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

Revenue model

1. Consumer Credit Reports: Direct-to-consumer sales of credit reports (Reporte Crédito Infocorp, Reporte Infocorp Empresarial) through e-commerce portal. One-time transaction-based purchases with optional subscription for monthly credit alerts (Cobertura Total).
2. Enterprise Credit Information Services: B2B provision of credit risk data, analytics platforms, identity verification, and fraud prevention solutions to financial institutions, retailers, insurers, and other enterprises. Includes risk scoring, portfolio monitoring, and decisioning platforms.
3. Data & Analytics Platforms: SaaS-style access to analytics platforms including InterConnect, Equifax Ignite, Portfolio Monitor, and SIEC. Typically subscription-based with usage metrics.
4. Fraud Prevention Solutions: Kount, Biometrics, IRIS, and GeoFinder services providing identity verification and fraud detection. Transaction-based pricing or subscription depending on volume.

Pricing tiers

Go-to-market motion3 records

Distribution channels5 records

Marketing channels6 records

Core offering

Equifax Perú operates the largest credit database in Peru, providing personal and business credit reports under the Infocorp brand along with credit monitoring subscriptions for consumers. For enterprises, the company delivers credit risk analytics, identity verification, fraud prevention, decisioning platforms, and marketing data solutions powered by the proprietary EFX.AI platform and Equifax Cloud infrastructure.

Product overview

Equifax Perú operates as a comprehensive data, analytics, and technology company offering a portfolio of interconnected products organized around core credit reporting services and enterprise solutions. The core personal products include Reporte Crédito Infocorp (personal credit reports with scores and SBS history) and Cobertura Total (credit monitoring alerts), while Reporte Infocorp Empresarial Plus serves business credit needs. Enterprise solutions are organized into four main categories: Credit Risk (Portfolio Monitor, SIEC, Mora Control), Identity & Fraud (Kount, Biometrics, IRIS, PartnerCheck), Marketing Data (Mapdrive, Atributos Geo, Income Predictor), and Collections (CyberBox, Carta de Cobranzas, Fírmalo). Decision platforms including InterConnect and Equifax Ignite unify these capabilities. Products leverage the Equifax Cloud infrastructure and EFX.AI technology for advanced analytics, predictive scoring, and fraud detection.

Differentiator

Problem solved

Functional benefit

Brands

• Infocorp: Credit reporting brand offering Reporte Crédito Infocorp, Reporte Infocorp Empresarial, and Cobertura Total products for credit information services in Peru.
• Finanzas en Simple
• EFX.AI
• Equifax Cloud
• Power Your Possible

Products and services

• Reporte Crédito Infocorp Personal credit report providing the most complete credit information in the Peruvian market for individual consumers. Includes current credit score, history of who has consulted the report in the last year, SBS history of the last 4 years, and reported overdue debts.
• Reporte Infocorp Empresarial Business credit report showing credit and commercial behavior of persons or companies for B2B transactions. Includes executive summary, up to 60 months of credit history, tax and fine debt information, and legal representative ratings.
• Cobertura Total (Alertas Crediticias) Credit monitoring subscription service that delivers the Reporte Crédito Infocorp with debt details plus monthly alerts for 12 months on changes to credit history and updated score, identifying which bank or company reported the variation.
• Reporte Infocorp Empresarial Plus Enhanced business credit report with user-friendly navigation and new features for an improved customer experience. Evaluates potential clients using the most complete market information available.
• Carta de Cobranzas Collection letter service that streamlines debt collection through physical letters, SMS, or emails directed at clients with overdue obligations.
• Mora Control Collection optimization tool that improves portfolio recovery by reducing costs and increasing recovery probability through intelligent segmentation and active action management.
• Fírmalo Digital document signing platform enabling legally binding digital signatures in Peru, facilitating secure and efficient document execution.
• PartnerCheck Cloud-based supplier evaluation platform that accelerates pre-qualification for buyers and suppliers. Enables supplier registration, performance feedback, a marketplace for RFPs/RFIs, and supply chain compliance mapping.
• GeoFinder Address normalization and georeferencing solution that validates addresses in real-time against comprehensive digital cartography, improving field operations efficiency.
• IRIS Web-based Knowledge-Based Authentication (KBA) tool for identity verification and validation using random questionnaires generated from Equifax databases for non-presential digital channels.
• Income Predictor Analytical solution estimating income levels based on Equifax database information, combining rules with statistical models for a 360-degree individual assessment used for marketing optimization and risk mitigation.
• Kount AI-powered fraud prevention and detection platform that blocks fraud, reduces consumer friction, and increases digital transaction revenue. Uses adaptive AI, machine learning, and a global data network.
• Mapdrive Geo-analytical business intelligence platform on digital maps enabling strategic market segmentation analysis. Combines customer data with Equifax demographic data including census, spending, points of interest, and socioeconomic groups.
• Portfolio Monitor Online portfolio monitoring platform that tracks credit risk evolution of client portfolios. Segments portfolios, stores up to 13 months of credit history, and identifies clients with financial problems.
• Biometrics Identity verification product using facial biometrics and AI/machine learning to automate verification, improve conversion rates, detect fraudulent transactions, and ensure regulatory compliance.
• InterConnect Decision-making platform that accelerates and optimizes customer decisions by defining, implementing, and automating decision policies. Integrates business rules, predictive models, and multiple data sources.
• Equifax Ignite Advanced data and analytics portfolio supporting the complete analytical process lifecycle. Includes Ignite Marketplace (configurable visualization apps), Ignite Models & Scores (consulting analytics), and Ignite Direct (direct data access environment).
• Atributos Geo Geographic attribute set that consolidates and assigns characteristics to persons within the same territorial unit. Serves as predictive variables for scores and models for market intelligence and customer admission evaluation.
• CyberBox Comprehensive cloud-based collection management system automating all collection tasks with modular implementation. Increases portfolio profitability, reduces delinquency, and improves customer treatment consistency.
• Laboratorio de Clientes Platform specifically designed for the Peruvian microfinance segment providing integral portfolio diagnosis and client status visualization compared to other financial entities.
• SIEC (Servicios de Información para la Evaluación Crediticia) Credit evaluation information service that analyzes portfolios by identifying, valuing, and prioritizing clients. Defines sociodemographic, credit behavior, and risk criteria including statistical models for credit policies.

Quantifiable outcome

• 188 new product innovations launched in 2025
• +4 more outcomes

Named customers3 records

Segments6 records

Ideal customer profiles7 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability9 records

Feature10 records

Partnerships

One partnership is on record.

• Google CloudflagshipTechnology or Integration · 1 January 2025Equifax named Google Cloud Partner of the Year 2025 for AI technology integration. The partnership leverages Google Cloud Platform for Equifax Cloud infrastructure, which was developed with USD $1.5 billion investment in security and cloud-native technology. The partnership enables real-time data processing, scalable analytics, and deployment of EFX.AI capabilities.

Scale indicators11 records

Recent moves6 records

Expansion highlights3 records

Direct peers

• TransUnion Perú: TransUnion operates a Peruvian credit bureau serving financial institutions and consumers with credit reports, scores, and fraud solutions. It is one of the three global credit bureaus with local presence and competes for the same enterprise contracts.
• Experian Perú: Experian is a global credit bureau with a Peruvian operation. It competes directly with Equifax Perú in credit reports, business information, and analytics, and shares the same multi-country enterprise sales motion.
• Sentinel Perú: Sentinel Perú is the principal domestic credit bureau competitor. It offers overlapping credit reporting, scoring, and fraud prevention services to Peruvian banks, retailers, and consumers, making it the most direct head-to-head peer.
• Dun & Bradstreet: Dun & Bradstreet is the dominant global business credit information provider. Its Reporte Infocorp Empresarial competes directly with D&B's commercial credit reports and data products used by Peruvian enterprises for supplier and counterparty risk.

Broad incumbents

• Equifax Inc. (NYSE: EFX): Equifax Inc. is the US-listed parent company. While Equifax Perú is a subsidiary, the parent's broader Workforce Solutions, USIS, and International segments define the strategic, technology, and capital framework within which the Peruvian unit operates.
• Moody's / Bureau van Dijk (Orbis): Moody's owns Bureau van Dijk (Orbis), a global business credit and corporate information platform. It competes with Equifax's business credit offerings and analytics tools targeting Peruvian corporate clients.

Emerging players

• CRIF: CRIF is an Italian-headquartered credit bureau and decisioning platform with growing Latin American presence. It overlaps with Equifax Perú in credit information, decisioning software, and open banking data aggregation.
• ClearSale: ClearSale is a Latin American fraud prevention specialist. It competes with Kount (Equifax's fraud platform) for Peruvian and regional e-commerce and retail fraud detection contracts.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Customer concentration

• LinkedInlinkedin.com/company/equifaxperu

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Subsidiaries2 records

Funding overview

Funding rounds

Investors

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

M&A

Investments

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

Frequently asked questions about Equifax Perú