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Equifax sells businesses credit reports, analytics, demographic data, and software.Credit reports provide detailed information on the personal credit and payment history of individuals, indicating how they have honored financial obligations such as paying bills or repaying a loan.They also investigated insurance claims and made employment reports when people were seeking new jobs.Most of the credit work was then being done by a subsidiary, Retailers Commercial Agency.The company later expanded into commercial credit reports on companies in the US, Canada and the UK, where it came into competition with companies such as Dun & Bradstreet and Experian. The company also had a division selling specialist credit information to the insurance industry but spun off this service, including the Comprehensive Loss Underwriting Exchange (CLUE) database as Choice Point in 1997.The company formerly offered digital certification services, which it sold to Geo Trust in September 2001.Even though the company continued to do credit reporting, the majority of their business was making reports to insurance companies when people applied for new insurance policies including life, auto, fire and medical insurance.

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Certegy effectively became a subsidiary of Fidelity National Financial as a result of this reverse acquisition merger (See Certegy and Fidelity National Information Services for further information).about virtually every phase of a person's life; his marital troubles, jobs, school history, childhood, sex life, and political activities." The company was also alleged to reward its employees for collecting negative information on consumers.As a result, when the company moved to computerize its records, which would lead to much wider availability of the personal information it held, the US Congress held hearings in 1970.Credit grantors use this information to decide what sort of products or services to offer their customers, and on what terms.Equifax also provides commercial credit reports, similar to Dun & Bradstreet, containing financial and non financial data on businesses of all sizes.

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