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The Work Number is an American employment verification database created in 1985 by Talx Corporation. [1] [2] [3] Talx, (now Equifax Workforce Solutions) was acquired by Equifax Inc. in February 2007 for US$1.4 billion.
Equifax primarily operates in the business-to-business sector, selling consumer credit and insurance reports and related analytics to businesses in a range of industries. [citation needed] Business customers include retailers, insurance firms, healthcare providers, utilities, government agencies, as well as banks, credit unions, personal and specialty finance companies and other financial ...
Experian classifies FICO credit scores lower than 580 as very poor, 580–669 as fair, 670–739 as good, 740–799 as very good, and 800–850 as exceptional. [25] Equifax considers FICO scores lower than 580 as poor
The three national credit reporting agencies — Experian, Equifax and TransUnion — said last year that they were removing medical collections under $500 from U.S. consumer credit reports.
For example, Experian is the largest in terms of sales with about $6.59 billion in annual revenue, and it also has the most sales outside the U.S. Equifax comes in second with about $5.1 billion ...
Discriminatory responses to poor credit create a self-fulfilling prophecy as it raises costs for future financing which increases the likelihood of being unemployed or insolvent. [9] Since credit scores aim to classify people, other markets have expanded its applicability for use as a screening or assessment tool. [10]
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