Equifax 2002 Annual Report Download - page 4

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The Business
Equifax Consumer Direct provides individuals
access, via the Internet, to their personal credit
information in order to enlighten, enable and
empower themselves to understand, manage and
protect their information for good financial health.
Scope of Services
• Credit Report – enables a consumer to view his
or her credit report to understand what the
report contains.
• Credit and Insurance Scores – help consumers
understand how they are evaluated by lenders
and insurers. A score is a rating index used by
creditors, lenders and insurers to make lending
and insurance decisions. Credit scores help
consumers plan for obtaining credit for major
purchases or securing the best interest rates on
loans. A good insurance score, based on the
consumer’s Equifax Credit ReportTM, may help the
consumer reduce insurance premiums over time.
• Identity Protection – enables consumers who
are subscribers to receive alerts about inquiries
or changes to their credit file, which may be an
indication of fraud or identity theft.
Markets Served
• More than 220 million credit-active consumers
in the United States and Canada
• Website Link Partners
• Private Label Distributors
CONSUMER DIRECT
FRAUD, SAFETY & SECURITY An Emerging Growth Initiative
The Equifax Fraud, Safety and Security initiative
provides businesses and governments with solu-
tions to help acquire, manage and distribute
information about high-risk individuals and enti-
ties, as well as aids in the prevention of further
terrorist activity across the globe by providing
agencies with risk-relevant information.
Equifax also provides solutions to help customers
meet regulatory compliance requirements, uncover
money-laundering risks and identify and prevent
terrorist financing.
Scope of Services
• I.D. Verification and Fraud Detection – help
customers verify identities online and offline
and improve fraud detection rates while
streamlining compliance processes.
• Customer Models (risk, fraud and identity) –
help customers obtain real-time identity verifi-
cation, determine applicants that present a
high risk of fraud, rank risk potential, and facil-
itate due diligence activities.
• OFAC Screening – helps customers screen
high-risk individuals and transactions against
the most current Office of Foreign Assets
Control (OFAC) list and other lists with
real-time alerts.
• Global Regulatory Information Database
(GRIDSM) – helps customers identify high-risk
individuals against a warehouse of numerous
data sources compiled from extensive public
sources worldwide.
Markets Served
• Financial Services Companies (banks,
credit unions and credit card companies)
• Insurance Companies
• Brokerage and Asset Management Firms
• Government Agencies
• Cargo Companies
• Transportation Companies
We enlighten, enable and empower
consumers to better manage their
financial health.
We provide solutions that help
our customers identify high-risk
individuals and entities.