What Equifax - Chile does

Equifax Chile (legal entity Servicios Equifax Chile Limitada, RUT 85.896.100-9) is the Chilean operating subsidiary of Equifax Inc. (NYSE: EFX), founded in 1981 and headquartered at Avenida Andrés Bello No 2457, piso 31, Comuna Providencia, Santiago. The company operates a regulated credit bureau and data analytics platform serving both individual consumers and enterprise clients across multiple industries including banking, insurance, automotive, retail/e-commerce, telecommunications, and government. Consumer offerings include the Informe Platinum 360 (delinquent debts, assets, risk score, personal background), Informe Empresarial (business identification and risk predictor), Informe de Arriendo (rental creditworthiness), Chao Deudas (refinancing marketplace offering up to 60% discounts), and Certificado de Deuda.

The enterprise portfolio centers on the Equifax Ignite cloud-native data and analytics platform, complemented by specialized solutions spanning the credit lifecycle: SAFE (automated tax-data analysis into financial ratios), InterConnect (decision automation combining business rules and predictive models), Kount (AI/ML-based fraud prevention), IRIS (facial biometric identity verification), Mora Control (collections management), PartnerCheck (supplier pre-qualification), Línea Geo/Geo Estudios (georeferencing and market research), Audiencias Digitales (digital campaign segmentation), Reportes Interactivos, and Malla Societaria (corporate structure mapping). The technology stack is anchored on Equifax Cloud and the EFX AI platform, with ISO 27001-certified security processes and servers distributed across Chile, Argentina, the US, and Canada.

Equifax Chile monetizes through a hybrid model: one-time per-transaction consumer report purchases and Dicom delinquent-debt publication fees on the consumer side, combined with subscription and multi-year contract pricing for enterprise data and analytics solutions on the B2B side. Go-to-market combines a direct enterprise sales team, an authenticated self-serve business portal (business.equifax.ca), a consumer e-commerce platform (sec.equifax.cl/compraonline), a national network of physical Puntos de Atención, and WhatsApp/call-center support.

Name

Equifax - Chile

Legal name

Servicios Equifax Chile Limitada

Website

https://soluciones.equifax.cl

Company type

Private

Operating status

Operating

Headcount range

251–500 employees

Short description

Equifax Chile is the Santiago-based subsidiary of Equifax Inc. (NYSE: EFX), operating a regulated credit bureau and data analytics platform serving Chilean consumers and enterprise clients across banking, insurance, automotive, retail, and other sectors.

Ownership category

akta.pro rank

Product category

Credit Information Services

NAICS

Credit Bureaus (561450), Credit Bureaus (56145), Activities Related to Credit Intermediation (5223)

SIC

Services-Consumer Credit Reporting, Collection Agencies (7320)

akta.pro primary industry

Credit Bureaus & Consumer Credit Reporting Agencies (FSAKAKAA)

akta.pro secondary industries

Credit Education, Monitoring & Consumer Credit Management Tools (FSAKAKAJ), Credit Score Monitoring & Credit Building (FSAGADAE)

Keywords

• Credit reporting services
• Identity verification
• Fraud prevention
• Credit risk analytics
• Consumer credit reports

Headquarters

HQ city

Santiago

HQ country

Chile

HQ region

Latin America

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Software

Cost components

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

Revenue model

1. Commercial Credit Reports for Individuals: Sale of commercial credit reports to individuals (consumers) via online platform. Reports include Platinum 360, Informe Empresarial, and Informe de Arriendo. Revenue is one-time per transaction, generated when a consumer purchases a report.
2. Debt Publication / Dicom: Businesses and financial institutions publish delinquent debt records to the Dicom bulletin through Equifax's platform. Fees are charged for publishing documents or invoices (with or without contract).
3. Enterprise Data & Analytics Solutions: Subscription-based or usage-based access to enterprise products including Equifax Ignite, InterConnect, SAFE, Kount, IRIS, PartnerCheck, Mora Control, Geo Estudios, Geo Línea, Audiencias Digitales. Sold to enterprise clients across financial institutions, insurance, retail, automotive, and other sectors.
4. Chao Deudas (Refinancing Marketplace): Marketplace connecting consumers with refinancing offers from financial institutions. Revenue derived from facilitating debt restructuring between consumers and creditor institutions.
5. Portfolio Monitoring / Vigilancia de Cartera: Ongoing monitoring services for business clients to track credit behavior and portfolio risk over time.

Pricing tiers

Go-to-market motion3 records

Distribution channels5 records

Marketing channels6 records

Core offering

Equifax Chile is a credit information bureau and analytics provider that sells consumer credit reports directly to individuals via its e-commerce platform and delivers enterprise data, analytics, identity verification, fraud prevention, and decision automation platforms to business clients across financial services, insurance, retail, automotive, and government sectors. It operates a consumer-facing debt refinancing marketplace (Chao Deudas) that connects delinquent borrowers with offers from financial institutions.

Product overview

Equifax Chile offers a comprehensive credit information and analytics platform serving both individual consumers and business clients. The consumer portfolio includes the Informe Platinum 360, Informe Empresarial, Informe de Arriendo, and Chao Deudas marketplace. The enterprise portfolio centers on Equifax Ignite for data and advanced analytics, with specialized solutions for credit risk assessment (SAFE, InterConnect), fraud prevention (Kount, IRIS biometrics), collection management (Mora Control), vendor evaluation (Partner Check), and location intelligence (Línea Geo, Geo Estudios). These products operate as both standalone offerings and integrated modules, with InterConnect serving as a decision automation hub that connects multiple data sources and predictive models. The platform processes structured financial, credit, and tax data to deliver insights across the customer lifecycle.

Differentiator

Problem solved

Functional benefit

Brands

• Chao Deudas: A marketplace platform offering refinancing deals, converting delinquent debts into effective recoveries with up to 60% discounts.
• Informe Platinum 360
• Informe Empresarial
• SAFE
• PartnerCheck
• IRIS
• Kount
• InterConnect
• Geo Estudios
• Línea Geo
• Equifax Ignite
• Audiencias Digitales

Products and services

• Informe Platinum 360 Commercial credit report for individuals that displays delinquent debts published for the buyer's RUT, real estate and vehicle assets, a credit risk score, and personal background including date of birth, marital status, and addresses. Sold to individual consumers through the sec.equifax.cl e-commerce platform.
• Informe Empresarial Business identification and risk report providing company identification, activity classification, defaults (protests and delinquencies), business risk predictor, managerial positions, and corporate publications. Sold to individuals and businesses to evaluate commercial counterparties.
• Informe de Arriendo Rental credit report enabling property owners to select reliable tenants and renters to demonstrate their creditworthiness. Contains rental debt and eviction proceeding information. Sold to individual consumers.
• Chao Deudas Marketplace platform offering refinancing deals with discounts of up to 60%, connecting delinquent debtors directly with financial institutions to regularize their financial situation online.
• Certificado de Deuda Debt certificate service for documenting and certifying outstanding debt obligations, purchased by individuals and businesses.
• Reportes Interactivos Interactive commercial reports enabling businesses to evaluate potential clients with comprehensive market information. Sold through the Equifax Chile enterprise sales team.
• Mora Control Comprehensive collection management platform that enhances debt recovery processes for businesses, powering efficient portfolio recovery across the collections lifecycle.
• PartnerCheck Supplier evaluation and pre-qualification service enabling efficient, fast, and comprehensive vendor risk assessment, reducing pre-qualification time and enabling faster business closures.
• SAFE (Sistema de Análisis Financiero) Cloud-based Financial Analysis System platform that unifies credit lifecycle management by automating the extraction and transformation of company tax declaration data into financial information and ratios, reducing credit evaluation analysis time.
• Equifax Ignite Revolutionary data and advanced analytics portfolio supporting the complete analytical lifecycle through a single cloud-based platform. Includes Ignite Marketplace (pre-built visualization apps), Ignite Models & Scores (custom analytical models), and Ignite Direct (fast analytical environment with direct data access).
• Línea Geo (MapDrive and GeoFinder) Georeferencing solutions platform combining MapDrive (business intelligence on digital maps for strategic market analysis) and GeoFinder (real-time address validation for field operations efficiency).
• Geo Estudios

Quantifiable outcome

• 46.6 million Latin American consumers helped with credit access
• +3 more outcomes

Named customers6 records

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 capability9 records

Feature12 records

Partnerships

One partnership is on record.

• REDMADminorStrategic or Co-development PartnerREDMAD (Red de Mujeres en Alta Dirección) collaborated with Equifax Chile on the 'Radiografía de la salud financiera de las personas: Un enfoque de género' (Financial Health Portrait: A Gender Approach) white paper, published as a joint research initiative analyzing gender-based financial health disparities.

Scale indicators7 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• TransUnion Chile / TransUnion Latin America: TransUnion is the third major global credit bureau with a direct presence in Chile and across Latin America, providing consumer credit reports, commercial credit information, fraud solutions, and analytics. It is one of two direct competitors (alongside Experian) challenging Equifax's leadership of the Dicom bulletin and Chilean credit reporting market.
• Dun & Bradstreet: Dun & Bradstreet is a global provider of business credit information, commercial credit reports, and corporate transparency data (Malla Societaria equivalent). Chilean enterprises use D&B reports for supplier evaluation and credit decisions, directly competing with Equifax's Informe Empresarial and PartnerCheck offerings in the business credit segment.
• Moody's Analytics / Bureau van Dijk: Bureau van Dijk (Moody's) provides global business intelligence and corporate structure data, including beneficial ownership mapping (similar to Malla Societaria). It is widely used by Chilean and multinational corporations for KYC, supplier risk, and corporate due diligence, competing with Equifax's commercial information products.
• Experian Chile / Experian Latin America: Experian is the other major global credit bureau operating in Chile and Latin America, offering consumer and commercial credit reports, analytics, fraud prevention, and decisioning tools. It competes head-to-head with Equifax Chile in the same product categories (credit reports, scoring, identity verification, debt collection) serving the same Chilean banks, retailers, and consumers.
• CRIF Chile / CRIF Latin America: CRIF is an Italian-headquartered credit bureau and business information provider with operations across Latin America including Chile. It offers consumer and commercial credit reports, credit scoring, and decisioning platforms comparable to Equifax's Ignite, InterConnect, and consumer report products, competing for the same enterprise clients.

Broad incumbents

• Moody's Corporation: Moody's is a broader financial analytics and risk assessment incumbent that, through Bureau van Dijk and Moody's Analytics, offers credit data, scoring, and analytics comparable to Equifax Chile's enterprise portfolio. It serves many of the same banks and corporations in Chile and globally.

Emerging players

• LexisNexis Risk Solutions: LexisNexis Risk Solutions provides identity verification, fraud detection, and risk analytics with growing Latin America presence, overlapping with Equifax's Kount (fraud), IRIS (biometrics), and SAFE (analytics) products. It competes for the same enterprise fraud and identity use cases among Chilean financial institutions and retailers.

Regional players

• Sentinel Chile (Sentinel Servicios Comerciales): Sentinel is a Chilean commercial and consumer credit information bureau focused on the local market, offering DICOM-equivalent commercial reports and risk indicators. It is a regional competitor particularly active in the SME and commercial credit reporting segment where Equifax's Informe Empresarial also competes.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks1 record

Customer concentration

• YouTubeyoutube.com/equifax
• LinkedInlinkedin.com/company/equifax-cl

Compliance5 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 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 - Chile