Equifax is one of the three major consumer credit reporting agencies, maintaining credit files on millions of consumers and building the scoring models lenders use to price risk. Its services span credit reporting, monitoring and alerts, identity theft protection, and credit scoring.

• Credit Reporting: Equifax collects and maintains credit information on millions of consumers worldwide. They compile credit reports containing information such as credit accounts, payment history, and public records like bankruptcies or liens.

• Credit Monitoring: Equifax provides credit monitoring services that help consumers keep track of changes to their credit reports. This can include alerts for new accounts opened in their name, changes in credit scores, or inquiries made by lenders.

• Identity Theft Protection: Equifax offers identity theft protection services to help consumers safeguard their personal information and prevent fraudulent activity. This may include features like credit freezes, identity theft insurance, and monitoring of black market websites for stolen information.

• Credit Scoring: Equifax develops credit scoring models used by lenders to assess the creditworthiness of consumers. These scores, such as the Equifax Risk Score, help lenders make decisions on extending credit and setting interest rates.

• Data Breach Response: In the event of a data breach, Equifax provides services to affected individuals and businesses. This may include credit monitoring for those impacted, identity theft resolution assistance, and communication regarding the breach and its impact.

• Business Solutions: Equifax offers various solutions tailored to businesses, including credit risk assessment, identity verification, fraud detection, and marketing services based on consumer data insights.

• Consumer Education: Equifax provides resources and educational materials to help consumers better understand credit, personal finance, and identity protection. This includes articles, tools, and webinars on topics such as credit management and identity theft prevention.

Overall, Equifax aims to empower consumers and businesses with the tools and information they need to make informed financial decisions and protect against credit and identity-related risks.