Equifax Workforce Solutions (TALX Corporation)

Individuals can use the consumer side of this business to look at what is held in their own credit file and act on it. Subscribers can check their credit scores, receive alerts when key details change on a report, and see one or three credit bureau reports depending on the plan. The company states that checking your own credit does not harm it. A lock control lets the file holder restrict who can access the report, with certain exceptions, and lift it when a new credit check is needed. Higher tiers add dark web scanning for a person's Social Security number, removal of personal details from more than 100 people search sites, and a credit monitoring option that covers up to four children in a family plan.

Credit files and identity protection for individuals

Beyond monitoring, the service covers the practical steps people take after a problem appears. A consumer can place a security freeze or a fraud alert, raise a dispute about information on a report, and ask for help recovering from identity theft. Where a victim needs support, dedicated identity restoration specialists are assigned to work on the person's behalf. A large part of the public material is a knowledge center that explains credit scores, what a credit report contains, fraud and identity theft warning signs, debt management, credit cards, personal and student loans, and the credit side of saving for a car, home or college. Support is given for military personnel and their families, and the company's myEquifax app lets people manage their file from a phone.

Credit intelligence and verification for businesses

The business offering is organized around several operational areas. In credit risk, lenders can monitor and manage existing accounts, assess the credit risk of new customers, optimize how a loan portfolio performs, analyze several types of data together, and improve collections and recovery. A market and business intelligence strand supports the same teams. Verification products confirm a person's income and employment history, check eligibility for government programs and verify education history, so that an organization can rely on those facts before it makes a decision.

Identity and fraud services help clients verify, authenticate and link identities, prevent fraud losses, and meet regulatory and security obligations. Credit risk compliance is handled within the same group. A separate data-driven marketing area uses consumer and market information to find hidden opportunities and risks, analyze the potential of a market, target high-potential prospects and online audiences, retain customers and improve marketing strategy and results. Companies that already buy from the business can manage their accounts, pay invoices and submit service requests online, while people who are not yet customers are routed to sales specialists who recommend suitable products.

Workforce Solutions, formerly TALX Corporation

The workforce arm carries the TALX Corporation name in its history and is presented as Workforce Solutions. Its product set serves employers across the hiring and employment cycle. It helps companies onboard new hires, simplify and manage tax forms for employees, handle unemployment claims activity, meet human resources compliance duties, and pre-screen employment applications before interviews. The same employment verification capability used by lenders is offered to employers who need proof of a person's work record.

Equifax is a credit reporting agency. Its website serves individuals who want to see or protect their credit file, and businesses that need credit information. This listing also carries the Workforce Solutions name, formerly TALX Corporation.

Services

• Credit reports and scores: access to a person's Equifax credit file.
• Credit monitoring: alerts when the file changes.
• Identity theft protection: tools to spot fraud and recover from it, plus a credit report lock.
• Security freezes and fraud alerts: controls a consumer can place on their file.
• Dispute handling: a route to challenge information on a report.
• Business services: reports for companies and account management for existing customers.

Customers and markets

Consumers, families, military personnel and businesses.

Key facts

• Product tiers: Complete, Family and an upgraded individual plan
• App: myEquifax mobile app