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. The company 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 (the company, Experian Group Limited, 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 selling and upselling of additional products and services. These products utilize information derived from consumer and commercial information, including credit, income, asset, liquidity, net worth, and spending activity, which also support majority of its Online Information Solutions’ products. These data assets expand the understanding of consumer and business financial potential and opportunity, which could further drive decisioning and targeting solutions for its clients. The company also provides account review services, which assist its clients in managing their existing customers and prescreen services that help its clients identify new opportunities with their customers. Clients for these products primarily include institutions in the banking, brokerage, retail, insurance, and mortgage industries, as well as companies primarily focused on digital and interactive marketing. International This segment includes the company’s Canada, Europe, and Latin America business units. These business units offer products that are similar to those available in the USIS and Personal Solutions segments, although, in some jurisdictions, data sources tend to rely on government agencies than in the U.S. The company also offers specialized services that help its customers manage risk in their consumer portfolios. This segment’s products and services generate revenue in Argentina, Canada, Chile, Costa Rica, Ecuador, El Salvador, Honduras, Mexico, Paraguay, Peru, Portugal, Spain, the U.K., and Uruguay. The company also maintains support operations in the Republic of Ireland, Chile, and Costa Rica. The company offers consumer credit services in Russia and India through its investment in joint ventures and has an investment in the primary consumer and commercial credit information company in Brazil. The company also provides information, technology, and services to support debt collections and recovery management in Europe and Latin America. Canada: Similar to Online Information Solutions, Mortgage Solutions, and Financial Marketing Services business units, Canada offers products derived from the credit information that the company maintains about individual consumers and businesses. The company offers various products in Canada, including credit reporting and scoring, consumer and commercial marketing, risk management, fraud detection and modeling services, identity management and authentication services, together with certain of its decisioning products that facilitate pre-approved offers of credit and automate various credit de
equifax inc (EFX:New York)
1550 Peachtree Street, N.W.
Atlanta, GA 30309
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