Equifax began as Retail Credit Company in Atlanta in 1899 and was later incorporated in Georgia in 1913, building its business around credit information and risk assessment. The company now operates as a global data, analytics, and technology business that helps financial institutions, employers, and government agencies make decisions with greater confidence. Its business lines include credit risk, identity and fraud, verification, data-driven marketing, and workforce management, supported by cloud-based platforms and data tools. Equifax also serves consumers and businesses through services tied to credit monitoring, identity protection, employment and income verification, and broader financial insights.