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Equifax

Credit reporting data analytics and risk

Overview

Equifax is a global data, analytics, and technology company that provides credit information and related services to businesses, governments, and consumers. It collects and analyzes large amounts of data to generate insights used for credit reporting, risk management, fraud detection, and identity verification. The company uses its Equifax Cloud to combine data with advanced analytics and machine learning, delivering credit reports, risk assessments, and global market insights to help clients make smarter decisions and improve customer experiences. Compared with competitors, Equifax emphasizes its large, differentiated data assets and integrated analytics platform to offer comprehensive, end-to-end solutions for credit and risk management. Its goal is to help clients assess credit risk, detect fraud, and explore opportunities more confidently in a changing financial landscape.

Significant Headcount Growth

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About Equifax

Simplify's Rating
Why Equifax is rated
B
Rated A on Competitive Edge
Rated B on Growth Potential
Rated C on Differentiation

Industries

Data & AnalyticsEnterprise SoftwareCybersecurityFinancial Services

Company Size

10,001+

Company Stage

IPO

Headquarters

Atlanta, Georgia

Founded

1899

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Simplify's Take

What believers are saying

  • Q2 2026 revenue rose 11% to $1.7 billion, with U.S. mortgage up 25%.
  • Equifax doubled its 2026-2028 AI cost-reduction target to $150 million on July 21, 2026.
  • Nationwide's six-million-user credit-score integration expands Equifax consumer visibility and engagement.

What critics are saying

  • FHFA's October 2026 bi-merge move can cut Equifax mortgage pulls almost immediately.
  • Bill Pulte called Equifax and peers 'overcharging Americans' on September 4, 2026.
  • The Bradberry settlement and FCRA scrutiny reinforce recurring accuracy risk and compliance drag.

What makes Equifax unique

  • Equifax's proprietary consumer and workforce data still powers mortgage, fraud, and identity decisions.
  • Equifax Cloud and AI-driven analytics underpin faster scoring, verification, and workflow automation.
  • The 2026 Círculo de Crédito acquisition expands Equifax's Latin American data moat.

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Funding

Total Funding

$1B

Above

Industry Average

Funded Over

1 Rounds

Post IPO Debt funding comparison data is currently unavailable. We're working to provide this information soon!
Post IPO Debt Funding Comparison Coming Soon

Benefits

Health Insurance

401(k) Company Match

Paid Vacation

Hybrid Work Options

Discounted Gym Memberships

Employee Stock Purchase Plan

Mental Health Support

Stock Price

Growth & Insights and Company News

Headcount

6 month growth

7%

1 year growth

7%

2 year growth

7%
Yahoo Finance
Oct 14th, 2026
Equifax's new mortgage automation tools back its $8.3B revenue goal for 2029

Equifax has launched Mortgage Ultimate, which uses adaptive automation, and Equifax Mortgage Score Select, two tools meant to speed up mortgage underwriting and verification for lenders. Mortgage Ultimate includes income verification through The Work Number. Mortgage Score Select lets lenders choose scores such as VantageScore 4.0 or FICO variants on Equifax credit files. The company is also backing lenders' adoption of VantageScore 4.0 ahead of regulatory changes. The launches fit Equifax's $3 billion cloud and AI investment story, but legal costs, regulatory scrutiny and softer mortgage volumes remain risks to margins. The company's narrative projects $8.3 billion in revenue and $1.3 billion in earnings by 2029, implying 8.6% yearly revenue growth. That yields a fair value of $206.33, 38% above the current price.

PR Newswire
Oct 8th, 2026
Equifax launches Mortgage Score Select for dual score approach ahead of FHA's 2027 VantageScore 4.0 acceptance

Equifax has launched Equifax Mortgage Score Select, a solution offering mortgage lenders and brokers greater flexibility in choosing credit scores during loan origination. The platform allows lenders to pull an Equifax mortgage credit file with a selected score or without one, and repull the file within 24 hours for just $1. The solution supports various scoring models including VantageScore 4.0, Classic FICO, and FICO Score 10T when approved. It positions lenders ahead of the Federal Housing Administration's acceptance of VantageScore 4.0 for eligible mortgage loans, effective 1 January 2027. Joel Rickman, general manager and senior vice president of US Mortgage and Verification Services at Equifax, said the tool helps lenders "achieve two key objectives: cost-effectively gaining access to more data to support lending decisions and qualifying more borrowers based on those expanded data sets.

HireRight
Sep 29th, 2026
Employment verification: why it matters and how HireRight acts as your verification partner.

Employment verification: why it matters and how HireRight acts as your verification partner. Learn how outsorucing U.S. employment verifications to HireRight could help reduce hiring delays and allow you to get your new hires onboard quickly and confidently. September 29, 2026 Verification of Employment (VOE) is the process of confirming the employment history provided by a candidate with their previous employers or through their authorized agent. This could be confirming start and end dates, job title, and overall validity or authenticity of employment. It is an important part of the hiring process, helping organizations confirm that candidates have the experience they claim. An employment verification check independently verifies employment details previously declared by your candidate, giving you greater confidence they have the experience you require for your role. Ultimately, it can help support better hiring decisions while also reducing employment risk. HireRight enables employers to verify employment history quickly and efficiently through a combination of automated data sources and expert researcher support. We partner with organizations to give them confidence that their employees have the employment histories they claim, with flexible options designed to meet different hiring volumes, risk profiles, and budget requirements. The risks of in-house employment verification. Having an in-house VOE process can open the door to an assortment of challenges and risks. It can be time consuming and prone to error without proper checks and balances. Also, the quality of the information received from employment sources and the time it takes to verify employment history varies based on the skills and general resourcefulness of each researcher. Additionally, our 2026 Global Benchmark Report found that 46% of North American respondents say employment verification is the area they find the most candidate discrepancies. Ultimately, the potential cost savings may not outweigh the time, labor, and risks. Some challenges of in-house VOE can include: * Delays in Hiring Speed: Teams responsible for in-house VOE must identify the correct employer contact, reach that individual successfully, obtain verification responses, and manage follow-up communications. This process can take several business days and may slow hiring timelines as well as being a significant administrate burden for hiring/on-boarding teams. * Candidate Friction: When previous employers are difficult to contact, candidates are often asked to provide pay stubs, W-2s, or other employment documentation. This introduces friction into the hiring process and can contribute to candidates dropping out of the recruitment process. * Administrative Burden: Employers need solutions that allow them to verify employment efficiently while minimizing administrative burden and maintaining a positive candidate experience. This is due to VOE including tedious administrative support if you are without the right resources. HireRight's fast, accurate employment verification. Instead of letting in-house VOE create bottlenecks in your workflow, risk candidate friction, and tying your staff down in administrative tasks, HireRight can act as your preferred employment verification partner. We offer flexible employment verification solutions to accommodate employers with different risk appetites, job types, hiring volumes, and budgets. This includes a more extensive historical verification for higher-risk roles and organizations with lower risk tolerance, as well as more targeted verification options. HireRight's fast and accurate U.S. employment verification combines automated employment verification capabilities powered by Equifax's The Work Number(R) and professional researcher support when automated verification is unavailable. This way, organizations access speed, efficiency, and confidence in employment verification outcomes. The Work Number(R) is the largest commercial U.S. source of consolidated employment information available with over 5 million contributing employers. When employment records are available through The Work Number(R), verification can occur quickly and efficiently. If the employer is not in their database, the process seamlessly transitions to HireRight researchers who will manually complete the check. With HireRight as an U.S. employment verification partner, organizations can experience automation-driven speed and comprehensive coverage backed by human expertise, ultimately reducing hiring delays and helping them to onboard quickly and confidently. Release Date: September 29, 2026 HireRight. HireRight is a leading provider of on-demand employment background checks, drug and health screening, and electronic Form I-9 and E-Verify solutions that help employers automate, manage and control background screening and related programs.

FinTech BoostUP
Sep 23rd, 2026
Equifax launches two new intelligence solutions to help businesses mitigate automated fraud.

Equifax launches two new intelligence solutions to help businesses mitigate automated fraud. Posted On 23 September 2026 Equifax(R)(NYSE: EFX) is expanding its fraud prevention capabilities with the launch of two new intelligence solutions: Signal Score for Email and Signal Score for Device. The new Signal Scores are designed to help e-commerce retailers, financial institutions and telecommunication companies protect their digital platforms - such as online checkout lanes, new account sign-up portals and mobile ordering apps - against sophisticated fraud networks and automated threats. "Businesses can no longer rely on static snapshots of customers to stop fraud," said Ajay Guru, Senior Vice President and General Manager, Identity & Fraud Services at Equifax. "Leveraging our unique differentiated data, these new solutions are designed to deliver a trust score in real time, giving our customers a better view of a user and helping them to mitigate fraud more quickly." As digital fraud grows increasingly complex, traditional checks are no longer enough to deter automated threats because they cannot see behind the digital blind spots created by VPNs and emulators. Organizations need real-time intelligence to instantly detect sophisticated tactics like script-driven account farming, location spoofing and synthetic identity fraud before they impact the business. The new Signal Score for Email and Signal Score for Device solutions are designed to use proprietary Equifax data to evaluate risk instantly at the start of a transaction, keeping the experience simple and secure for legitimate consumers. Unlike traditional industry tools that rely on static global networks or lagging database files, the solutions leverage Equifax non-public, first-party sourced data and unique identity linkage to instantly connect digital session behaviors with trusted, real-world consumer profiles. Translating Email and Device Signals into Immediate, Actionable Trust Scores * Signal Score for Email: Evaluates an email address in real time. It assesses the age of the account, its history and its risk level to determine if the digital identifier is trustworthy. * Signal Score for Device: Analyzes the computer or phone used in a transaction. It connects device details, location data and network information to validate the electronic instrument to the user. The two new Signal Scores connect directly to a company's existing fraud prevention or case management systems through Application Programming Interfaces (APIs), making it easy for businesses to enhance current fraud stacks. Companies can use both tools together or pick one to fill a specific data intelligence gap. Designed specifically for internal fraud and risk teams, the new tools deliver faster, actionable data at critical entry points like new account sign-ups and checkouts. "Fraud can happen at any step of an online interaction," added Guru. "Our unique data and tools give companies what they need to stop criminals without adding slow, extra steps for valid customers." By spotting high-risk users early, companies can reduce manual review costs while providing a faster experience for honest consumers. In addition to the new Signal Scores, Equifax offers Consumer Insights, which uses basic information to help businesses assess fraud risk and payment ability and help compliance and security teams prevent account takeovers.

Equifax Inc.
Sep 23rd, 2026
Equifax launches two new intelligence solutions to help businesses mitigate automated fraud.

Equifax launches two new intelligence solutions to help businesses mitigate automated fraud. Equifax differentiated data enables businesses to detect account takeovers and synthetic fraud in real time ATLANTA, Sept. 23, 2026 /PRNewswire/ - Equifax(R)(NYSE: EFX) is expanding its fraud prevention capabilities with the launch of two new intelligence solutions: Signal Score for Email and Signal Score for Device. The new Signal Scores are designed to help e-commerce retailers, financial institutions and telecommunication companies protect their digital platforms - such as online checkout lanes, new account sign-up portals and mobile ordering apps - against sophisticated fraud networks and automated threats. "Businesses can no longer rely on static snapshots of customers to stop fraud," said Ajay Guru, Senior Vice President and General Manager, Identity & Fraud Services at Equifax. "Leveraging our unique differentiated data, these new solutions are designed to deliver a trust score in real time, giving our customers a better view of a user and helping them to mitigate fraud more quickly." As digital fraud grows increasingly complex, traditional checks are no longer enough to deter automated threats because they cannot see behind the digital blind spots created by VPNs and emulators. Organizations need real-time intelligence to instantly detect sophisticated tactics like script-driven account farming, location spoofing and synthetic identity fraud before they impact the business. The new Signal Score for Email and Signal Score for Device solutions are designed to use proprietary Equifax data to evaluate risk instantly at the start of a transaction, keeping the experience simple and secure for legitimate consumers. Unlike traditional industry tools that rely on static global networks or lagging database files, the solutions leverage Equifax non-public, first-party sourced data and unique identity linkage to instantly connect digital session behaviors with trusted, real-world consumer profiles. Translating Email and Device Signals into Immediate, Actionable Trust Scores * Signal Score for Email: Evaluates an email address in real time. It assesses the age of the account, its history and its risk level to determine if the digital identifier is trustworthy. * Signal Score for Device: Analyzes the computer or phone used in a transaction. It connects device details, location data and network information to validate the electronic instrument to the user. The two new Signal Scores connect directly to a company's existing fraud prevention or case management systems through Application Programming Interfaces (APIs), making it easy for businesses to enhance current fraud stacks. Companies can use both tools together or pick one to fill a specific data intelligence gap. Designed specifically for internal fraud and risk teams, the new tools deliver faster, actionable data at critical entry points like new account sign-ups and checkouts. "Fraud can happen at any step of an online interaction," added Guru. "Our unique data and tools give companies what they need to stop criminals without adding slow, extra steps for valid customers." By spotting high-risk users early, companies can reduce manual review costs while providing a faster experience for honest consumers. In addition to the new Signal Scores, Equifax offers Consumer Insights, which uses basic information to help businesses assess fraud risk and payment ability and help compliance and security teams prevent account takeovers. ABOUT EQUIFAX INC. At Equifax (NYSE: EFX), Equifax Inc. believe knowledge drives progress. As a global data, analytics, and technology company, Equifax Inc. play an essential role in the global economy by helping financial institutions, companies, employers, and government agencies make critical decisions with greater confidence. Its unique blend of differentiated data, analytics, and cloud technology drives insights to power decisions to move people forward. Headquartered in Atlanta and supported by nearly 15,000 employees worldwide, Equifax operates or has investments in 24 countries in North America, Central and South America, Europe, and the Asia Pacific region. For more information, visit Equifax.com. SOURCE Equifax Inc. Released September 23, 2026

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