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Equifax is one of the top three credit reporting agencies in the United States along with Experian and TransUnion.  Equifax was founded in 1899 and is the oldest of the three bureaus.  They gather and report credit information on over 400 million people world wide.  Equifax is based out of Atlanta, Georgia, which employs over 7,000 employees worldwide, and provides about 1.5 billion dollars in net revenue a year.

Since 1899 Equifax has mostly operated business-to-business services providing credit history, information and scores to businesses such as lending institutions, health care providers, utility companies, insurance firms, and government institutions. 

A hundred years later, in 1999 Equifax started providing fee based credit services to the general public allowing consumers to view and monitor their credit history and reports, and be alerted if there was suspicion of credit fraud or identity theft.  By law all three of the major credit reporting agencies are required to provide people with a free copy of their credit report every 12 months if requested, which can be done online.

Previous Credit Card Term: Equal Credit Opportunity Act (ECOA)

Next Credit Card Term: Experian

* See the online credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the "Apply Here" button, you can review the credit card terms and conditions on issuers website.