Equifax 2009 Annual Report Download - page 10

8EQUIFAX 2009 ANNUAL REPORT
Business Unit Review
U.S. Consumer Information Solutions (USCIS) Solving Customer Needs
USCIS is comprised of Online Consumer Information Solutions, Mortgage
Services, Consumer Financial Marketing Services and Direct Marketing
Services. Products and services include consumer credit reports; analytical
services, such as credit scoring and modeling; risk management tools that
facilitate faster, more informed decision-making; fraud services such as
identity verification and authentication tools; direct marketing services with
demographic and other consumer information; and collection services to
increase recovery rates and reduce operating expenses. USCIS also includes
IXI, a leader in collecting, analyzing and delivering consumer wealth and as-
set data. IXI Corporation was acquired by Equifax in 2009.
 With the acquisition of IXI, our solutions now include a comprehensive view
of the consumer—income, employment, credit, asset and wealth data.
 Addressed a customer need for more rigorous underwriting requirements
and ability-to-pay demands with new, innovative products such as Premium
CPR which includes employment and income attributes.
 To make better decisions on the value of mortgage loans in a securitized
pool, we launched an industry-first solution linking a consumer’s credit
profile with individual mortgage loans in the pool.
International Solving Customer Needs
The International business unit provides Equifax services outside the U.S.,
including the U.K., Spain, Canada, Argentina, Brazil, Chile, Ecuador, El
Salvador, Honduras, India, Peru, Portugal, Russia, and Uruguay, with support
operations in Ireland and Costa Rica. Canada Consumer products are similar
to those available from USCIS, while Europe and Latin America product mixes
vary, including consumer information, commercial information and personal
solutions.
 With the implementation of our proven data platform (InterConnect) in
Canada and the U.K., we are now offering unique, enriched data services in
both countries.
 Using biometrics, enriched by our data, we introduced ID verification
services in Chile.
 In Russia, we are providing customers with credit-decisioning solutions.
TALX Solving Customer Needs
The TALX business unit includes The Work Number, Tax Management
Services and HR/Payroll services. The Work Number verifies employment and
income data reported by employers, while Tax Management Services offers
unemployment compensation and tax management as outsourced services
for employers’ human resource activities. HR/Payroll services include talent
assessment and acquisition, electronic onboarding of new hires, and I-9
management for compliance with immigration regulations. TALX also includes
Rapid Reporting, a national provider of IRS tax transcript information,
acquired by Equifax in 2009.
 With the acquisition of Rapid Reporting, we provide customers with tax
information from the IRS in an automated and cost-effective manner.
 Launched UC Direct, a product to help small businesses process unem-
ployment claims effectively and efficiently.
 Assist customers with more stringent “I-9” applicant requirements through
our employment eligibility verification services.
North America Personal Solutions Solving Customer Needs
North America Personal Solutions is a leading provider of personalized online
credit information products via www.equifax.com. The unit offers an innova-
tive suite of credit, debt and identity-related products empowering consumers
to understand their credit, protect their identities and maximize their financial
well-being.
 Consumers are able to protect against identity fraud by adding automated
fraud alerts to our award-winning ID Patrol product.
 Launched Debt Wise, an innovative product that helps consumers better
manage their debt burden without increasing their payments.
 Using the information in the Identity Report, individuals now can conduct
business with each other with greater confidence.
North America Commercial Solutions Solving Customer Needs
North America Commercial Solutions serves business-to-business enter-
prises and companies that need business information by providing data and
capabilities to better manage risk and make more intelligent marketing and
account acquisition decisions. Solution offerings include risk services, master
data management services and marketing services.
 Launched Business Credit Monitoring™ service to help businesses manage
risk and reduce losses by providing early warning alerts when customers or
vendors may be facing financial challenges.
 With Account Advantage™, we automated loan application processing and
improved the accuracy of account decisioning for our customers.
 With Equifax ID, we are providing businesses with a unique identifier
enabling them to better manage their vendors and customers.
8EQUIFAX 2009 ANNUAL REPORT