Equifax 2002 Annual Report Download - page 3

A LOOK AT EQUIFAX
The Business
Equifax Information Services provides value-added
information solutions that help customers grow their
businesses, increase profitability, manage risk and
reduce costs throughout their customers’ lifecycles.
Equifax is a leading source of consumer and
commercial financial information in the United
States, Canada, England, Ireland, Italy, Spain,
Portugal, Argentina, Brazil, Chile, El Salvador,
Peru and Uruguay.
Scope of Services
• Consumer Credit Reporting – helps consumer
credit grantors make better decisions by giving
them access to a comprehensive database of
consumer credit information.
• Commercial Credit Reporting – helps commer-
cial credit grantors make better decisions by
giving them access to commercial credit informa-
tion. In the United States we have developed the
first and one of the largest databases of small
business credit information.
• Fraud Detection and I.D. Verification – help
customers quickly assess fraud potential, detect
and respond to fraud attempts and verify iden-
tities to reduce exposure and losses.
• Portfolio Management – helps customers grow
their portfolios, manage risk and optimize the
revenue potential and profitability of their
customer relationships.
• Risk Assessment and Decisioning – help enable
customers to make real-time, informed decisions
at all of their customers’ touch points, minimizing
risk and increasing profitability.
• Modeling and Analytics – help customers
leverage sophisticated data sciences and
analytical methods, providing powerful informa-
tion intelligence to improve decision-making in
managing their customer base.
• Locate Services and Debt Recovery – help
customers with their collection activities by
locating debtors, improving recovery rates and
reducing write-offs.
• Industry-specific Proprietary Databases – help
customers make informed decisions through the
use of our managed and maintained proprietary
databases.
• Bankruptcy Solutions – help customers reduce
bankruptcy risk, manage the effect of bankruptcy
on their portfolios and increase recovery rates.
Markets Served
• Financial
• Retail
• Telecommunications
• Utilities
• Mortgage
• Brokerage
• Government
• Automotive
• Insurance
• Healthcare
INFORMATION SERVICES
The Business
Equifax Marketing Services offers multichannel
marketing opportunities for customers. Services
include direct marketing as well as eMarketing
and prescreening services designed to acquire,
retain, manage and grow a customer base.
Naviant, acquired late last year, is the leading
provider of email permission marketing solutions,
with a database containing more than 100 million
opt-in email addresses – the industry’s largest.
Scope of Services
• Demographic Information – allows targeting of
consumers based on criteria such as marital
status, home ownership and presence of chil-
dren in the household.
• Lifestyle Data – allows targeting of consumers
based on their interests.
• Postal and Email Addresses – provides con-
sumers’ physical and electronic addresses.
• Address Append Services – adds email or
postal addresses to a customer base.
• Customized and General Database Services –
includes data enhancement, list cleansing/
address updating, and installations of Equifax
databases at a client’s location.
• Credit Prescreening – delivers prescreened lists
of consumer names that meet customer criteria
for preapproved credit offers in decision-
making processes.
• Custom Modeling and Analytics – permit busi-
nesses to fully leverage the power of Equifax
data in decision-making processes.
• Management of Product Registration Programs –
allow manufacturers to capture self-reported
data on their product buyers.
• Lead Development and eSurvey – allows for
instant response on direct marketing cam-
paigns, lower marketing costs and increased
return on investment.
Markets Served
Any company seeking to build its U.S. customer
base through direct marketing, including:
• Publishing
• Pharmaceutical
• Catalog
• Entertainment and Media
• Technology
• Travel
• Retail
• Financial Institutions
MARKETING SERVICES
We help our clients
grow their businesses to
increase profitability.
We enable customers to manage
risk and reduce costs.