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28FEB200910255904
Twelve Months Ended
A summary of segment products and services under our
December 31,
new organizational structure is as follows:
(in millions) 2008 2007 2006
U.S. Consumer Information Solutions. This segment
Operating income:
includes consumer information services (such as credit
information and credit scoring, credit modeling services, U.S. Consumer Information
Solutions $ 337.1 $ 383.5 $ 395.7
locate services, fraud detection and prevention services,
identity verification services and other consulting services); International 149.9 141.1 118.1
mortgage loan origination information, appraisal, title and TALX 53.1 29.3 —
closing services; credit marketing services; and consumer North America Personal
demographic and lifestyle information services. Solutions 46.3 34.0 13.6
North America Commercial
TALX. This segment includes employment and income ver- Solutions 13.6 12.0 9.9
ification services (known as The Work Number) and General Corporate
employment tax and talent management services. Expense (122.8) (113.7) (101.2)
International. This segment includes information services Total operating income $ 477.2 $ 486.2 $ 436.1
products, which includes consumer and commercial ser-
vices (such as credit and financial information, credit scor-
ing and credit modeling services), credit and other market-
ing products and services, and products and services sold
directly to consumers.
North America Personal Solutions. This segment
includes credit information, credit monitoring and identity
theft protection products sold directly to consumers via the
Internet and in various hard-copy formats.
North America Commercial Solutions. This segment
includes commercial products and services such as busi-
ness credit and demographic information, credit scores and
portfolio analytics (decisioning tools), which are derived
from our databases of business credit, financial and demo-
graphic information.
Segment information for the twelve months ended Decem-
ber 31, 2008, 2007 and 2006 and as of December 31,
2008 and 2007 is as follows:
Twelve Months Ended December 31,
(in millions) 2008 2007 2006
Operating revenue:
U.S. Consumer
Information Solutions $ 890.8 $ 969.7 $ 968.1
International 505.7 472.8 402.8
TALX 305.1 179.4 —
North America
Personal Solutions 162.6 153.5 126.0
North America
Commercial
Solutions 71.5 67.6 49.4
Total operating
revenue $ 1,935.7 $ 1,843.0 $ 1,546.3
2008 ANNUAL REPORT 69