e 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. Consumer Financial Marketing Services (CFMS): The company’s CFMS products utilize consumer financial information enabling its clients to manage their marketing activities, 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 up selling of additional products and services. 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 The International segment includes Canada Consumer, Europe, and Latin America business units. These business units offer products that are similar to those available in the USCIS, North America Commercial and Personal Solutions segments. 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 a consumer and commercial credit information company in Brazil. Canada Consumer: Similar to its OCIS, Mortgage Solutions and CFMS business units, Canada Consumer offers products derived from the credit information that the company maintains about individual consumers. The company offers various products in Canada, including credit reporting and scoring, consumer 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 decisions. Europe: The company’s European operation provides information solutions, marketing and personal solutions products. Information solutions and personal solutions products are generated from information that the company maintains and includes credit reporting and scoring, asset information, risk management, identity management and authentication services, fraud detection and modeling services. Most of these products are sold in the U.K. with a limited set of information solutions products sold in Portugal and Spain. The company’s commercial products, such as business credit reporting and commercial risk management services, are only available in the U.K. Marketing products, which are similar to those offered in its CFMS business unit, are primarily available in the U.K., and to a lesser extent, in Spain. The company provides information and technology services to support the collections and recovery management industry. Latin America: The company’s Latin American operation provides consumer and commercial information solutions products, marketing products and personal solutions products. The company offers a range of products, generated from credit records that the company maintains, including credit reporting and scoring, decisioning technology, risk management, identity management and authentication, and fraud detection services. The company also offers various commercial products, which include credit reporting, decisioning tools and risk management services. Additionally, the company provides various consumer and commercial marketing products generated from its credit informat
equifax inc (EFX:New York Consolidated)
1550 Peachtree Street, N.W.
Atlanta, GA 30309
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