Credit Bureaus

The BIG three Bureaus

The Big Three Credit Bureaus JD Farris & Associates www.jdfarris.com

TransUnion

            

              

Company History 

    

            June 25, 2015 TransUnion rang the NYSE Opening Bell® to commemorate the company’s  initial public offering and first day of trading on the New York Stock  Exchange. TransUnion trades on the NYSE under the ticker symbol “TRU.” January 5, 2015 TransUnion refreshed our brand image and promise with one goal in  mind: to better reflect our mission of empowering smarter decisions and  creating better lives. And now we're showing our true colors. 2000s TransUnion entered the direct-to-consumer market with the acquisition  of TrueCredit.com in 2002. We now help millions of consumers protect  and improve their credit through easy-to-use online services at  TrueCredit.com. Today, our operations extend to 33 countries worldwide. 1990s Throughout the 1990s and the turn of the millennium, we extended  operations beyond the credit reporting industry and business-to-business  offerings. We strengthened our analytics and decisioning capabilities  by acquiring one of the most powerful technologies for high-volume,  individual-level decisions. 1970s and 1980s Throughout the 1970s and 1980s, we continued to expand our facilities  and capabilities through investments in technology, strategic growth  and acquisitions. In 1988, we achieved full coverage in the United  States, maintaining and updating information on virtually every  market-active consumer in the country. 1960s In 1968, the Union Tank Car Company, a railcar leasing operation,  created TransUnion as its parent holding company. In 1969, we recognized  an opportunity to grow a new business using our technical expertise. We  acquired the Credit Bureau of Cook County (CBCC), which manually  maintained 3.6 million card files in 400 seven-drawer cabinets. Soon  after the acquisition of CBCC, we became the first company in the credit  reporting industry to replace accounts receivable data with automated  tape-to-disc transfer, drastically cutting the time and cost to update  consumer files. Early in our history, we recognized the enormous benefit  that a national, online information system would bring to clients and  responded with the first online information storage and retrieval data  processing system. This system provided credit grantors across the  country with one source for fast and valuable consumer credit  information. Over the next 40 years and more, we grew to become one of the world's  leading business intelligence providers, maintaining one of the largest  collections of consumer information.                                                 About Us   

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Equifax

Equifax is a global information solutions company that uses trusted unique data, innovative analytics, technology and industry expertise to power organizations and individuals around the world by transforming knowledge into insights that help make more informed business and personal decisions. The company organizes, assimilates and analyzes data on more than 820 million consumers and more than 91 million businesses worldwide, and its database includes employee data contributed from more than 7,100 employers. Headquartered in Atlanta, Ga., Equifax operates or has investments in 24 countries in North America, Central and South America, Europe and the Asia Pacific region. It is a member of Standard & Poor's (S&P) 500® Index, and its common stock is traded on the New York Stock Exchange (NYSE) under the symbol EFX. Equifax employs approximately 9,900 employees worldwide. Some noteworthy achievements for the company include: Named to Top 100 American Banker FinTech Forward list (2015-2016); named a Top Technology Provider on the FinTech 100 list (2004-2016); named an InformationWeek Elite 100 Winner (2014-2015); named a Top Workplace by Atlanta Journal Constitution (2013-2017); named one of Fortune’s World’s Most Admired Companies (2011-2015); named one of Forbes’ World’s 100 Most Innovative Companies (2015-2017). 


Shareholder Meeting  

2017 Equifax Proxy Statement 


 2016 Equifax Annual Report  

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Experian Profile

  

Profile

We are the leading global information services company, providing data and analytical tools to our clients around the world. We help businesses to manage credit risk, prevent fraud, target marketing offers and automate decision-making. We also help people to check their credit report and credit score and protect against identity theft. In 2016, for the third year running, we were named one of the “World’s Most Innovative Companies” by Forbes magazine. We employ approximately 17,000 people in 37 countries and our corporate headquarters are in Dublin, Ireland, with operational headquarters in Nottingham, UK; California, US; and São Paulo, Brazil. Experian plc is listed on the London Stock Exchange (EXPN) and is a constituent of the FTSE 100 index. Total revenue for the year ended March 31, 2016, was $4.6 billion. To find out more about our company, please visit ttp://www.experianplc.com or watch our documentary, “Inside Experian.”