What Equifax does

Equifax is a global data, analytics, and technology company that has operated since 1899 and is publicly traded on the NYSE under ticker EFX. Headquartered in the US (Georgia) and operating through subsidiaries such as EFX de Costa Rica S.A., the company employs approximately 15,000 people across 24 countries and generated $6,075 million in revenue in 2025, distributed across Workforce Solutions ($2.4B), USIS ($1.9B), and International ($1.3B) business units. Equifax provides credit information, identity verification, fraud prevention, marketing data, and compliance solutions to financial institutions, insurance companies, retailers, automotive dealers, service companies, government agencies, and individual consumers.

The company's technology stack is built on two proprietary platforms: EFX.AI, a machine learning platform featuring explainable AI credit scoring with neural networks, gradient boosting machines, and random forests; and Equifax Cloud, the global technology and security infrastructure supporting six consecutive years of 100+ new product innovations (188 launched in 2025). The intellectual property estate includes 700+ patents globally (175+ approved, 400+ AI/ML patents) and 300+ contributing inventors. Consumer products include Reporte Crediticio 360, Reporte Gratuito, Alertas Crediticias, Inquilino Perfecto, and Suscripción Mensual 360; enterprise offerings span Riesgo Crediticio, Identidad y Fraude, Marketing Basado en Datos, Cobranza, Verificación, Estudio Completo 360, Soluciones Pymes+, and Scores de Riesgo, delivered through the Equifax Ignite platform.

Equifax generates revenue through two primary motions: enterprise B2B subscription contracts with financial institutions, insurers, retailers, automotive firms, and governments for credit risk, fraud, identity, marketing, and verification services; and B2C digital self-serve subscriptions sold through plataformas such as reportes.equifax.com. The Costa Rica subsidiary operates a customer service center in Heredia and a head office in San José, supervised by PRODHAB under Ley No. 8968, and serves as one node in a multi-country distribution network that combines direct enterprise field sales, business support portals, WhatsApp-based sales contact, and consumer e-commerce channels.

Name

Equifax

Legal name

EFX de Costa Rica S.A.

Website

https://equifax.co.cr

Company type

Public

Operating status

Operating

Short description

Equifax is a global data, analytics, and technology company operating in 24 countries, providing credit information, identity verification, fraud prevention, and AI-powered decisioning solutions to financial institutions, insurers, retailers, governments, and individual consumers.

Ownership category

akta.pro rank

Product category

Credit Information & Analytics

NAICS

Credit Bureaus (561450)

SIC

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), Account Verification & Ownership (AVS/AOV, micro-deposits, auth) (FSAGACAB), Alternative / Non-Traditional Credit Data Providers (FSAKAKAB)

Keywords

• Credit reporting services
• Data analytics platforms
• Identity verification solutions
• Fraud prevention technology
• Credit risk analytics

GTM type

B2B and B2C

Offering type

Software

Cost components

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

Revenue model

1. Consumer Credit Reports: Sale of credit reports to individuals including Reporte Crediticio 360, free credit reports, and credit alerts subscription services
2. Business Data & Analytics Services: Enterprise solutions for credit risk, identity and fraud, marketing-based data, collections management, and verification services for businesses
3. Credit Monitoring Subscriptions: Monthly subscription services for credit alerts and monitoring, including the 360 subscription product for ongoing credit score tracking

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels4 records

Core offering

Equifax provides credit information, identity verification, fraud prevention, and data analytics solutions for businesses across financial, insurance, retail, automotive, and government sectors, while also offering consumer credit reports and monitoring subscriptions through a digital self-serve platform. Its enterprise solutions include credit risk evaluation, portfolio monitoring, decision models, marketing data enrichment, collections management, and verification services, all powered by the proprietary EFX.AI platform and delivered via Equifax Cloud infrastructure.

Product overview

Equifax offers a comprehensive portfolio of credit information and data analytics products and services for both consumers (personas) and businesses (empresas). The consumer side provides personal credit reporting products including Reporte Crediticio 360 (interactive credit report), Reporte Gratuito (free credit report), Alertas Crediticias (credit alerts), Inquilino Perfecto (tenant screening), and Suscripción Mensual 360 (monthly subscription). The business side offers core products under Equifax Ignite platform including Riesgo Crediticio (credit risk evaluation, portfolio monitoring, decision models, customer profiling), Identidad y Fraude (identity verification and fraud prevention), Marketing Basado en Datos (data-driven marketing solutions), Cobranza (collection management), and Verificación (data verification services). Additional business products include Estudio Completo 360, Soluciones Pymes+, and Scores de Riesgo. All products are powered by proprietary AI technology EFX.AI and delivered through Equifax Cloud infrastructure. The company serves industries including automotive, financial institutions, retail, insurance, and service companies.

Differentiator

Problem solved

Functional benefit

Brands

• EFX.AI: Equifax's proprietary artificial intelligence technology platform that drives the future of the New Equifax, featuring explainable AI and machine learning techniques for decision-making and fraud prevention.
• Equifax Cloud
• The Work Number
• Reporte Crediticio 360
• Inquilino Perfecto

Products and services

• Reporte Crediticio 360 Interactive credit report for individual consumers showing detailed credit behavior, including positive (non-overdue) and negative (overdue) debts, helping them understand how banks evaluate their creditworthiness. Available for purchase through the digital self-serve platform.
• Reporte Gratuito Free basic credit report for individual consumers providing breakdown of credit accounts (current and delinquent), civil information from Tribunal Supremo de Elecciones, judicial processes, property registration data, and recent firms that queried the report. Free-tier entry product in the consumer portfolio.
• Alertas Crediticias Monthly subscription service sending consumers alerts about positive and negative debt changes, modifications to credit rating, and monthly risk score updates to help avoid surprises and detect potential fraud.
• Suscripción Mensual 360 Monthly subscription service providing ongoing access to credit reports and continuous monitoring for individual consumers.
• Inquilino Perfecto Tenant screening service enabling property managers and landlords to evaluate the creditworthiness of potential renters using Equifax data and analytics.
• Riesgo Crediticio Enterprise credit risk solution for financial institutions and businesses including financial risk evaluation, portfolio behavior monitoring, decision model development, and customer profiling to expand credit access using differentiated data and analytics.
• Identidad y Fraude Enterprise identity verification and fraud prevention solution providing customer identity validation and compliance tools to protect businesses from fraud throughout the customer journey.
• Marketing Basado en Datos Data-driven marketing solution enabling businesses to enrich customer databases, improve contactability, develop digital marketing strategies, and target the right customers to increase sales.
• Cobranza Collections management solution for businesses enabling efficient portfolio recovery, debt collection strategies, and debtor tracking.
• Verificación Enterprise verification solution providing secure, fast access to reliable data including identity, family relationships, business participation, property records, court cases, income estimation, and credit history.
• Equifax Ignite Enterprise platform combining differentiated data, advanced analytics, and technology to deliver Equifax solutions to business clients.
• Estudio Completo 360 Comprehensive business study providing detailed credit and business information for enterprise decision-making.
• Soluciones Pymes+ SME-focused solution providing small and medium enterprise credit evaluation, management, and decisioning tools.
• Scores de Riesgo Risk scoring solution providing predictive analytics for creditworthiness assessment to support business credit decisions.

Quantifiable outcome

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

Named customers6 records

Segments6 records

Ideal customer profiles6 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability5 records

Feature4 records

Partnerships

Two partnerships are on record, tiered core and minor.

• Google CloudcoreTechnology or Integration · 1 January 2025Strategic technology partnership where Equifax was named Google Cloud Partner of the Year 2025, leveraging Google Cloud infrastructure for data analytics and AI solutions.
• VINE (Victim Information and Notification Everyday)minorStrategic or Co-development PartnerVINE is the nation's leading notification network for victims, allowing survivors, crime victims and interested citizens to access timely and reliable information about offenders or criminal cases in US prisons.

Scale indicators9 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Dun & Bradstreet: Dun & Bradstreet is the leading business credit bureau globally, directly comparable to Equifax's commercial credit reporting (e.g., Estudio Completo 360) and supplier risk analytics offerings.
• Experian: Experian is one of the two other global consumer credit bureaus alongside Equifax and TransUnion, offering nearly identical consumer and business credit reporting, analytics, fraud, and marketing data services across more than 30 countries — the most direct comparable.
• TransUnion: TransUnion is the third major global consumer credit bureau, competing head-to-head with Equifax in consumer reports, scoring, fraud, and emerging-market analytics; both companies serve overlapping financial, insurance, and consumer verticals.
• CRIF: CRIF is a major European-headquartered credit bureau and credit information group operating across Europe, the Americas, and Asia, with consumer and business credit reporting, decisioning, and analytics offerings directly comparable to Equifax's portfolio.

Broad incumbents

• FICO: FICO is the dominant consumer credit scoring vendor and a key analytics partner to all three major US credit bureaus, including Equifax; its scoring and decisioning software is embedded in lending workflows that Equifax's data feeds into.
• LexisNexis Risk Solutions: LexisNexis Risk Solutions is a broad incumbent data and analytics provider serving insurance, financial services, and government with identity verification, fraud detection, and compliance — directly overlapping with Equifax's Identity & Fraud and verification offerings.
• Verisk Analytics: Verisk is a broad analytics incumbent providing data, analytics, and decision-support to insurance, financial services, and risk-bearing enterprises, with overlapping use cases in insurance underwriting and fraud prevention versus Equifax's insurance vertical.
• Moody's Analytics: Moody's Analytics provides credit, regulatory, and economic data plus scoring and decisioning tools to banks and insurers, overlapping with Equifax's enterprise credit risk, scoring, and portfolio analytics product lines.

Emerging players

• Creditsafe: Creditsafe is a fast-growing business credit reporting and decisioning platform with global coverage, competing with Equifax in SME and commercial credit reporting as a more digital, lower-cost challenger.
• Provenir: Provenir is a challenger decisioning and risk analytics platform used by fintechs and lenders, integrating alternative and traditional data sources — an emerging player competing for the same AI-driven credit decisioning workloads Equifax serves.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks5 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/equifax-costa-rica

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

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