Information Services

Scope
Equifax is a leading provider of consumer and commercial financial information worldwide:
• The largest provider of consumer information in the U.S.
• The largest provider of consumer and commercial information in Canada, the U.K., Spain, Portugal, and Latin America, with operations in Chile, Brazil, Argentina, Peru, Colombia, El Salvador, and Mexico.
• Equifax provides information on almost 400 million consumers and businesses around the world.
And through its electronic commerce initiatives, Equifax facilitates the delivery of products and services for its customers and enhances the privacy and security of transactions over the Internet and other networks.

Customers
Equifax provides information services to customers in these industries:
• Financial services, retail, mortgage, telecommunications, utilities, automotive, information technology, and healthcare industries, and the government.
• The Company markets to customers within specific industry segments, enabling Equifax to precisely focus on industry needs and to provide product experts to each industry segment.
• In its electronic commerce operations, Equifax provides identity authentication services and issues and manages digital certificates to companies using the Internet and other networks.

Products
Equifax enhances its core information businesses with innovative products and technologies that enable customers to manage information with greater precision and profitability.
• Consumer and commercial credit information
• Risk management services
• Fraud detection and prevention
• Locate services
• Card marketing services
• Account acquisition services
• Notification services
• Mortgage information
• Outsourcing of collection services
• Equifax Decision PowerSM for streamlined decisioning capabilities
• Authentication of buyers and sellers
• Issuance and management of digital certificates and directories

Payment Services

Scope
Equifax brings buyers and sellers together around the world, processing over 850 million payment transactions yearly.
• Equifax Card Solutions is the leading provider of third-party processing solutions to credit unions and independent banks in the U.S.
• Equifax Card Solutions provides card processing services internationally through its businesses in Brazil, in India (where Equifax is the only provider of third-party processing services), and through its U.K. joint venture company, which will commence operations in 1999.
• Equifax Card Solutions also licenses to customers around the world its mainframe and Unix-based software for in-house card processing, collections, and merchant portfolio processing.
• Equifax Check Solutions is a leader in check risk management services through its Global Check Solutions businesses in the U.S., the U.K., France, Ireland, Australia, and New Zealand.

Customers
Equifax provides payment services to:
• About 5,500 independent banks and credit unions in the U.S. use Equifax for card processing services.
• Some of the world’s leading financial institutions turn to Equifax for software and transaction processing services.
• Equifax Card Solutions software is used in 30 countries to process over 125 million accounts.
• Equifax Check Solutions’ customer base includes national and regional retailers, hotels, automotive dealers, and other retail businesses.

Products
Equifax provides a broad range of products and services supporting every phase of the card payment industry, including:
• Credit and debit card transaction processing, card processing software, portfolio management services, portfolio analysis, cardholder customer service, marketing services, credit marketing services, risk management services, merchant processing, and collection services.

Equifax Global Check Solutions supports customers with:
• Check risk management services including check guarantee and authorization services, data file exchanges, risk management consulting, check collections, and database marketing.

Knowledge Engineering

Scope
Equifax’s Knowledge Engineering delivers products and solutions that add value to information management with an increased level of technical sophistication – helping customers reinvent their sales, marketing, and customer relationship management processes.
• New levels of fact-based decisioning capabilities
• Database marketing
• Data mining
• Analytics modeling
• High performance cross-selling and product affinity penetration strategies

Customers
Equifax Knowledge Engineering provides knowledge-based solutions to leading institutions worldwide including:
• Financial services
• Telecommunications/utilities
• Retail
• Automotive

Products
Knowledge Applications support customers with:
• Loyalty EngineeringTM
• Micro-segmentation tools – Equifax XprtTM
• Bankruptcy prediction and management systems
• Data Mining
• Advanced Knowledge Navigators
• Wallet Navigator
• Time series analytics and marketing applications
• Decision support tools
• Loyalty Analytics