Equifax
Credit reporting agency
Equifax is one of the three major credit reporting agencies in the United States, along with Experian and TransUnion.
These companies collect financial data on consumers and generate credit reports used by lenders, landlords, and employers.
Equifax became notorious after a 2017 data breach exposed sensitive information—including Social Security numbers—of nearly 150 million Americans.
Credit reporting company
- ExperianCredit reporting company
- fraud alertsWarnings of suspicious transactions
- disputeVerbal clash over differences
- annual reportOrganization's periodic financial summary
creditworthiness · risk analysis · identity verification · background check · employment screening · tenant screening · financial data · consumer rights
Unauthorized computer system intruders
- cyberattackMalicious digital intrusion
- data leakUnintended exposure of confidential information
- compromisedMade vulnerable to harm
- social security numbersUnique federal identification digits
personal information · class action · settlement · notification · vulnerability · negligence
Creditworthiness rating system
- mortgageSecured home loan
- loan approvalLender's formal acceptance
- underwritingRisk evaluation and acceptance
- lendersThose who provide loans
interest rates · borrower · debt-to-income · creditworthiness · risk assessment · loan denial · preapproval · financial institutions
Stealing personal data criminally
- fraud protectionDefenses against deceptive schemes
- fraud alertIdentity theft notification
- stolen identityFraudulent use of another's information
- personal informationIdentifying details about someone
social security number · phishing · impersonation · account takeover · suspicious activity · victim assistance
TransUnion
Credit reporting company
- ExperianCredit reporting company
- fraud alertsWarnings of suspicious transactions
- disputeVerbal clash over differences
annual report · creditworthiness · risk analysis · identity verification · background check · employment screening · tenant screening · financial data · consumer rights
hackers
Unauthorized computer system intruders
- cyberattackMalicious digital intrusion
- data leakUnintended exposure of confidential information
- compromisedMade vulnerable to harm
social security numbers · personal information · class action · settlement · notification · vulnerability · negligence
FICO
Creditworthiness rating system
- mortgageSecured home loan
- loan approvalLender's formal acceptance
- underwritingRisk evaluation and acceptance
lenders · interest rates · borrower · debt-to-income · creditworthiness · risk assessment · loan denial · preapproval · financial institutions · hard inquiry
identity theft
Stealing personal data criminally
- fraud protectionDefenses against deceptive schemes
- fraud alertIdentity theft notification
- stolen identityFraudulent use of another's information
personal information · social security number · phishing · impersonation · account takeover · suspicious activity · victim assistance
- Credit ReportsExperian, TransUnion, FICO, FICO score, fraud alert
- credit scoresFICO score, creditworthiness, payment history, FICO, TransUnion
- data companiesPalantir, Snowflake, Tableau, SAS, Looker
- Research FirmsGallup, Nielsen, Pew Research, Monmouth, YouGov
- financebank, CFO, banks, controller, finance
- fintechfintech, mobile banking, digital wallet, mobile payment, digital wallets
Equifaxlender
One who loans money
creditor · Wells Fargo · Bank of America · JPMorgan Chase · Capital One
Equifaxprivacy advocate
Person championing personal data protection
Signal · DuckDuckGo · ProtonMail · Apple