aintains support operations in the Republic of Ireland. The company offers consumer credit services in Russia and India through joint ventures and has an investment in consumer and commercial credit information company in Brazil. Products and Services The company’s products and services help its clients make decisions with higher levels of confidence by leveraging a range of data assets. USIS Online Information Solutions: Online Information Solutions’ products are derived from multiple large and databases of consumer and commercial information that the company maintains about individual consumers and businesses, including credit history, current credit status, payment history and address information. The company’s clients utilize the information and analytical insights it provides to make decisions for a range of financial and business purposes, such as whether, and on what terms, to approve auto loans or credit card applications, and whether to allow a consumer or a business to open a new utility or telephone account. In addition, this information is used by the company’s clients for cross selling additional products to existing customers, improving their underwriting and risk management decisions, and authenticating and verifying consumer and business identities. The company also sells consumer and credit information to resellers who combine its information with other information to provide services to the mortgage, fraud and identity management, and other end-user markets. Its software platforms and analytical capabilities can integrate all types of information, including third-party and client information, to enhance the insights and decisioning process to help further mitigate the risk of granting credit, predict the risk of bankruptcy, indicate the applicant’s risk potential for account delinquency, ensure the identity of the consumer, and reduce exposure to fraud. These risk management services enable the company’s clients to monitor risks and opportunities and proactively manage their portfolios. Online Information Solutions’ clients access products through a range of electronic distribution mechanisms, including direct real-time access, which facilitates instant decisions. The company also develops and hosts customized applications that enhance the decision-making process for its clients. These decisioning technology applications assist with various decisioning activities, including determining pre-approved offers, cross-selling of various products, determining deposit amounts for telephone and utility companies, and verifying the identity of their customers. The company has also compiled commercial databases regarding businesses in the U.S., which include loan, credit card, public records and leasing history data, trade accounts receivable performance, and Secretary of State and Securities and Exchange Commission registration information. It offers scoring and analytical services that provide additional information to help mitigate the credit risk assumed by its clients. Mortgage Solutions: The company’s Mortgage Solutions products, offered in the U.S., consist of specialized credit reports that combine information from the three major consumer credit reporting agencies (Equifax, Experian Group and TransUnion LLC) into a single merged credit report in an online format, commonly referred to as a tri-merge report. Mortgage lenders use these tri-merge reports in making their mortgage underwriting decisions. Additionally, the company offers various triggering services designed to alert lenders to changes in a consumer’s credit status during the underwriting period and securitized portfolio risk assessment services for evaluating inherent portfolio risk. Financial Marketing Services: The company’s Financial Marketing Services products utilize consumer and commercial financial information enabling its clients to manage their marketing efforts, including targeting and segmentation; to identify and acquire new clients for their products and services; to develop portfolio strategies to minimize risk and maximize profitability; and to realize additional revenue from existing customers through cross se
equifax inc (EFX:New York)
1550 Peachtree Street, N.W.
Atlanta, GA 30309
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