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Equifax
Equifax Inc. is an American multinational consumer credit reporting agency headquartered in Atlanta, Atlanta, Georgia and is one of the three largest consumer credit reporting agency, consumer credit reporting agencies, along with Experian and TransUnion (together known as the "Big Three"). Equifax collects and aggregates information on more than 800 million individual consumers and more than 88 million businesses worldwide. In addition to credit and demographic data and services to business, Equifax sells credit monitoring and fraud prevention services directly to consumers. Equifax operates or has investments in 24 countries in the Americas, Europe, and Asia-Pacific, Asia Pacific. With more than 14,000 employees worldwide, Equifax has nearly US$5 billion in annual revenue and is traded on the New York Stock Exchange (New York Stock Exchange, NYSE) under the symbol EFX. History Equifax was founded as the Retail Credit Company by Cator and Guy Woolford in Atlanta, Atlanta, Geo ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Consumer Credit Reporting Agency
A credit bureau is a data collection agency that gathers account information from various creditors and provides that information to a consumer reporting agency in the United States, a credit reference agency in the United Kingdom, a credit reporting body in Australia, a credit information company (CIC) in India, a Special Accessing Entity in the Philippines, and also to private lenders. It is not the same as a credit rating agency. Description A consumer reporting agency is an organization providing information on individuals' borrowing and bill-paying habits. Such credit information institutions reduce the effect of asymmetric information between borrowers and lenders, and alleviate problems of adverse selection and moral hazard. For example, adequate credit information could facilitate lenders in screening and monitoring borrowers as well as avoiding giving loans to high risk individuals. Lenders use this to evaluate credit worthiness, the ability to pay back a loan, and can a ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Equifax Canada
Equifax Canada Inc is one of two credit bureaus which are private companies in Canada that (the other being TransUnion Canada) collect, store, and share information about how Canadians use credit. Reports are provided for both individual and commercial entities. Owned by Equifax of Atlanta, Georgia, Equifax Canada is based in Toronto, Ontario. Business Services offered: * Financial Tracking * Fraud Reduction * Portfolio Risk Management * Market Insights * Credit Application Processing * Credit Score Services * Small Business Operations Personal Services offered: * Financial Credit Reports * Credit and Identity Monitoring * Identity Theft Protection and Restoration All credit reporting companies are required by Quebec provincial law to allow Quebec citizens to verify their credit reports and scores online at no cost, Equifax Canada took additional steps in 2021 to expand this access to all Canadians. See also *Identity theft Identity theft, identity piracy or identity ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
TransUnion
TransUnion LLC is an American consumer credit reporting agency. TransUnion collects and aggregates information on over one billion individual consumers in over thirty countries including "200 million files profiling nearly every credit-active consumer in the United States". Its customers include over 65,000 businesses. Based in Chicago, Illinois, TransUnion's 2014 revenue was US$1.3 billion. It is the smallest of the three largest credit agencies, along with Experian and Equifax (known as the "Big Three"). TransUnion also markets credit reports and other credit and fraud-protection products directly to consumers. Like all credit reporting agencies, the company is required by U.S. law to provide consumers with one free credit report every year. Additionally a growing segment of TransUnion's business is its business offerings that use advanced big data, particularly its deep AI-TLOxp product. History TransUnion was originally formed in 1968 as a holding company for Union Tank ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Mark Begor
Mark Begor (born c. 1959) is an American business executive. He is the CEO of Equifax. Early life Begor was born circa 1959. He graduated from Syracuse University with a bachelor's degree and earned a master in business administration from the Rensselaer Polytechnic Institute. Career Begor worked for General Electric for 35 years. He subsequently worked for Warburg Pincus. He has been the chief executive officer of Equifax Equifax Inc. is an American multinational consumer credit reporting agency headquartered in Atlanta, Atlanta, Georgia and is one of the three largest consumer credit reporting agency, consumer credit reporting agencies, along with Experian and T ... since April 2018. References External linksEquifax Bio Living people 1950s births Syracuse University alumni Rensselaer Polytechnic Institute alumni American chief executives of financial services companies Equifax people Warburg Pincus people {{US-business-bio-1950s-stub ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
GeoTrust
GeoTrust is a digital certificate provider. The GeoTrust brand was bought by Symantec from Verisign in 2010, but agreed to sell the certificate business (including GeoTrust) in August 2017 to private equity and growth capital firm Thoma Bravo LLC. GeoTrust was the first certificate authority to use the domain-validated certificate method which accounts for 70 percent of all SSL certificates on the Internet. By 2006, GeoTrust was the 2nd largest certificate authority in the world with 26.7 percent market share according to independent survey company Netcraft. History GeoTrust was the first certificate authority to use the domain-validated certificate method which is now widely accepted and used by all certificate authorities including Let's Encrypt. GeoTrust was a restarted company in 2001 that acquired the security business of Equifax. The Equifax business was the basis of its fast growth. The founders of the restarted company were CEO Neal Creighton, CTO Chris Bailey and ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Credit Monitoring
Credit report monitoring or company tracking is the monitoring of one's credit history in order to detect any suspicious activity or changes. Companies offer such service on a subscription basis, typically granting regular access to one's credit history, alerts of critical changes to one's credit history, and additional services. Credit monitoring can help detect credit related fraud and identity theft. In the United States, whenever obtaining one's credit history, or credit monitoring, such services are typically available either as single-bureau service (with data access to only one of the 3 national credit reporting bureaus), or three-bureau service (with access to data to all three national credit reporting bureaus). It is often advisable to see data with all three bureaus (Equifax, Experian and TransUnion) to detect identity theft. Alternatively, the reports can be obtained from Annualcreditreport website, from an account with each bureau, from credit monitoring websites or ap ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Experian
Experian plc is a multinational corporation, multinational data broker and consumer credit reporting company headquartered in Dublin, Ireland. Experian collects and aggregates information on more than 1 billion people and businesses including 235 million individual U.S. consumers and more than 25 million U.S. businesses. It is listed on the London Stock Exchange and is a constituent of the FTSE 100 Index. Experian is a partner in United States Postal Service, USPS address validation. It is one of the "Big Three" credit-reporting agencies, alongside TransUnion and Equifax. In addition to its credit services, Experian also sells decision analytic and marketing assistance to businesses, including individual fingerprinting and targeting. Its consumer services include online access to credit history and products meant to protect from fraud and identity theft. Like all credit reporting agencies, the company is required by U.S. law to provide consumers with one free credit report ever ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Fair Credit Reporting Act
The Fair Credit Reporting Act (FCRA), 15 U.S.C. ยง 1681 ''et seq.'', is federal legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. It was intended to shield consumers from the willful or negligent inclusion of erroneous data in their credit reports. To that end, the FCRA regulates the collection, dissemination, and use of consumer information, including consumer credit information. It was originally passed in 1970, and is enforced by the U.S. Federal Trade Commission, the Consumer Financial Protection Bureau, and private litigants. History Before standardization of credit scoring, statements of character were integral to credit reports well into the 1960s. With credit reports containing probing details about personality, habits, and health, in the hearings on the Fair Credit Reporting Act lawmakers were troubled that individuals were helpless to clear up errors. The Fair Credit Re ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Certegy
Certegy was a public corporation created in 2001 when Equifax spun off their payment services division. The corporation had two divisions of its own: check verification and credit cards. In September 2005, a merger with Fidelity Information Services, a subsidiary of Fidelity National Financial, was announced. The merger was completed in 2006. Although designed to be the surviving entity of the merger, Certegy's corporate name was changed as part of the merger agreement to Fidelity National Information Services, and the ticker symbol on the NYSE changed from CEY to FIS. Executive offices were relocated to Jacksonville, Florida, although manufacturing and operations remained in St. Petersburg, Florida. In 2004, Certegy acquired Game Financial, a cash access provider operating in several casinos in the United States, including rights to their trade name, GameCash. In 2007, it was announced that Certegy Gaming (formed after the acquisition of Game Financial) would be sold to G ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Queer
''Queer'' is an umbrella term for people who are non-heterosexual or non- cisgender. Originally meaning or , ''queer'' came to be used pejoratively against LGBTQ people in the late 19th century. From the late 1980s, queer activists began to reclaim the word as a neutral or positive self-description. In the 21st century, ''queer'' became increasingly used to describe a broad spectrum of non- heteronormative sexual or gender identities and politics. Academic disciplines such as queer theory and queer studies share a general opposition to binarism, normativity, and a perceived lack of intersectionality, some of them only tangentially connected to the LGBTQ movement. Queer arts, queer cultural groups, and queer political groups are examples of modern expressions of queer identities. Critics of the term include members of the LGBTQ community who associate it more with its colloquial, derogatory usage; those who wish to dissociate themselves from queer radicalism; and tho ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
People Of Color
The term "person of color" (: people of color or persons of color; abbreviated POC) is used to describe any person who is not considered "white". In its current meaning, the term originated in, and is associated with, the United States. From the 2010s, however, it has been adopted elsewhere in the Anglosphere (often as person of colour), including relatively limited usage in the United Kingdom, Canada, Australia, Ireland, and South Africa. In the United States, the term is involved in the various definitions of non-whiteness, including African Americans, Asian Americans, Native Americans, Pacific Islander Americans, multiracial Americans, and some Latino Americans, though members of these communities may prefer to view themselves through their cultural identities rather than color-related terminology. The term, as used in the United States, emphasizes common experiences of systemic racism, which some communities have faced. The term may also be used with other collective cate ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Atlanta
Atlanta ( ) is the List of capitals in the United States, capital and List of municipalities in Georgia (U.S. state), most populous city in the U.S. state of Georgia (U.S. state), Georgia. It is the county seat, seat of Fulton County, Georgia, Fulton County and extends into neighboring DeKalb County, Georgia, DeKalb County. With a population of 520,070 (2024 estimate) living within the city limits, Atlanta is the eighth most populous city in the Southeastern United States, Southeast and List of United States cities by population, 36th most populous city in the United States according to the 2020 United States census, 2020 U.S. census. Atlanta is classified as a Globalization and World Cities Research Network#Beta +, Beta + global city and is the principal city of the much larger Atlanta metropolitan area, the core of which includes Cobb County, Georgia, Cobb, Clayton County, Georgia, Clayton and Gwinnett County, Georgia, Gwinnett counties, in addition to Fulton and DeKalb. ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
