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Equifax, Inc. (NYSE: EFX) is primarily a consumer credit reporting agency, considered one of the "big three" along with Experian and TransUnion in that business. It has a computer system that amalgamates financial and public record data from credit card companies and other sources into a summary of how quickly the consumer pays their debts. This information can then be reduced to a comprehensive three digit credit risk rating or "score". Reports are provided on private persons residing in the United States, Argentina, Brazil, Canada, Chile, El Salvador, Peru, Spain, United Kingdom, and Uruguay. Reports can be obtained on consumers in other countries through a series of relationships. 80% of Equifax's revenue is derived from its USA operation. Corporate redirects here. ...
New York Stock Exchange (June 2003) The New York Stock Exchange (NYSE) is one of the largest stock exchanges in the world. ...
Year 1899 (MDCCCXCIX) was a common year starting on Sunday (link will display the full calendar) of the Gregorian calendar (or a common year starting on Friday [1] of the 12-day-slower Julian calendar). ...
Hotlanta redirects here. ...
A Chairman is the presiding officer of a meeting, organization, committee, or other deliberative body. ...
Chief Executive Officer (CEO) is the job of having the ultimate executive responsibility or authority within an organization or corporation. ...
CFO is usually short for Chief Financial Officer, but may also mean: Carrier frequency offset Ceramic fiber optics Chief Fire Officer Chief of Flight Operations Conselho Federal de Odontologia (cfo. ...
Revenue is a U.S. business term for the amount of money that a company earns from its activities in a given period, mostly from sales of products and/or services to customers. ...
ISO 4217 Code USD User(s) the United States, the British Indian Ocean Territory,[1] the British Virgin Islands, Cambodia, East Timor, Ecuador, El Salvador, the Marshall Islands, Micronesia, Palau, Panama, Turks and Caicos Islands, and the insular areas of the United States Inflation 2. ...
2005 (MMV) was a common year starting on Saturday of the Gregorian calendar. ...
Earnings before interest and taxes (EBIT), also known as operating income and operating profit, is a term used to describe a companys earnings. ...
ISO 4217 Code USD User(s) the United States, the British Indian Ocean Territory,[1] the British Virgin Islands, Cambodia, East Timor, Ecuador, El Salvador, the Marshall Islands, Micronesia, Palau, Panama, Turks and Caicos Islands, and the insular areas of the United States Inflation 2. ...
2005 (MMV) was a common year starting on Saturday of the Gregorian calendar. ...
Net income is equal to the income that a firm has after subtracting costs and expenses from the total revenue. ...
Image File history File links No higher resolution available. ...
ISO 4217 Code USD User(s) the United States, the British Indian Ocean Territory,[1] the British Virgin Islands, Cambodia, East Timor, Ecuador, El Salvador, the Marshall Islands, Micronesia, Palau, Panama, Turks and Caicos Islands, and the insular areas of the United States Inflation 2. ...
2005 (MMV) was a common year starting on Saturday of the Gregorian calendar. ...
For the album by the Kaiser Chiefs see Employment (album) Employment is a contract between two parties, one being the employer and the other being the employee. ...
A website (alternatively, Web site) is a collection of Web pages, images, videos and other digital assets that is hosted on a Web server, usually accessible via the Internet or a LAN. A Web page is a document, typically written in HTML, that is almost always accessible via HTTP, a...
The New York Stock Exchange (NYSE), nicknamed the Big Board, is a New York City-based stock exchange. ...
This article or section does not cite its references or sources. ...
The big three is a term used to refer to three large powers or companies: // February 2: The Big Three of the WWII Allies at the Yalta Conference: Winston Churchill, Franklin D. Roosevelt and Joseph Stalin. ...
Experian is a business information company. ...
TransUnion (full name Trans Union LLC) is a consumer credit reporting agency, considered one of the big three agencies in the United States. ...
Equifax has also expanded into Commercial credit reports in direct competition with Dun & Bradstreet and Experian in the USA, Canada and the UK. Through affiliations they can obtain a credit report on any business in the world. The company used to offer Digital Certification service. This business was acquired by GeoTrust in September 2001.
Currently based in Atlanta, Georgia, Equifax was founded in 1899 as Retail Credit Company. Hotlanta redirects here. ...
Year 1899 (MDCCCXCIX) was a common year starting on Sunday (link will display the full calendar) of the Gregorian calendar (or a common year starting on Friday [1] of the 12-day-slower Julian calendar). ...
In 2001, Equifax spun-off their payment services division, forming the short lived public company Certegy. This article or section does not cite its references or sources. ...
In 2006, Equifax had $1.3 billion in annual revenue and 4,400 employees in 12 countries. For the Manfred Mann album, see 2006 (album). ...
Like most computerized credit reporting agencies, Experian, Trans Union, and The Dun & Bradstreet Corporation, they now market their credit reports directly to consumers and businesses, in addition to their core business of providing the reports to potential creditors. Experian is a business information company. ...
TransUnion (full name Trans Union LLC) is one of the big three credit reporting agencies in the United States. ...
The Dun & Bradstreet Corp (NYSE: DNB), headquartered in Short Hills, New Jersey, USA, is among the leading providers of business information on business. ...
A credit report summarizes historical financial information collected to determine an individuals or an entitys credit worthiness; that is, the means and willingness to repay an indebtedness. ...
Equifax subcontracts out most of its consumer relations. Telephone disputes or requests are diverted to ICT, a Canadian company/vendor. Mail disputes or requests sent to its Georgia post office boxes are opened by another vendor, Innasource, scanned to a computer file and then electronically sent to a subcontract vendor either in Montego Bay, Jamaica, or in the Philippines. Equifax also outsources its software development offshore to India through Infosys, Tata Consultancy Services and CGI-AMS. A subcontract is a contract that assigns part of an existing contract to a different party. ...
Infosys Technologies Limited (NASDAQ: INFY) is an information technology (IT) company founded in Pune, India in 1981 by N. R. Narayana Murthy. ...
Tata Consultancy Services Limited (TCS Limited) is one of the world’s largest providers of information technology, consulting, services and business-process outsourcing which commenced operations in 1968. ...
In the UK, Equifax also operates a consumer debt collection agency under its Westcott Credit Services brand (also Debt Enforcement Agency). Westcott carry out collection for UK utilities and cable companies, and acted on behalf of NTL following the collapse of Internet service provider Gio Internet. A public utility is a company that maintains the infrastructure for a public service. ...
Telewest (formerly Telewest Broadband and Telewest Communications) is a trading name of NTL Incorporated, the dominant cable operator in the United Kingdom with more than 90% of the market. ...
It has been suggested that this article or section be merged with Virgin Media, Telewest and Virgin. ...
“ISP†redirects here. ...
Criticism
In 1982, Retail Credit Company was criticized for collecting "...facts, statistics, inaccuracies and rumors… about virtually every phase of a person's life; his marital troubles, jobs, school history, childhood, sex life, and political activities."[1]-1...
The company was charged with rewarding its employees for collecting negative information on consumers in the 1970s. There was a consent decree. In 1975 the company changed its name to "Equifax"—reportedly to counteract its tarnished reputation.[2] 1975 (MCMLXXV) was a common year starting on Wednesday. ...
Media references Harrison Ford film Firewall (2006) featured the protagonist, a banking programmer, verifying his credit record with Equifax. Harrison Ford (born July 13, 1942) is an Academy Award-nominated American actor. ...
Firewall is a 2006 American action/thriller film directed by Richard Loncraine and written by Joe Forte. ...
See also A credit score is a numerical expression based on a statistical analysis of a persons credit files, to represent the creditworthiness of that person, which is the likelihood that the person will pay his or her debts. ...
Identity taker is a term first appearing in U.S. literature in the 1990s, leading to the drafting of the Identity Theft and Assumption Deterrence Act. ...
The Fair Credit Reporting Act (FCRA) is an American federal law (codified at 15 U.S.C. § 1681 et seq. ...
This article or section does not cite its references or sources. ...
References and footnotes - ^ WIRED Magazine referenced a March 1970 edition of The New York Times, which included an article by Columbia University Professor Alan Westin. No specific date or article is referenced. Simson Garfinkel, Separating Equifax from Fiction, September 1995.
- ^ Simson Garfinkel, Separating Equifax from Fiction, WIRED Magazine, September 1995.
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