Equifax is one of the major global credit bureaus that collects and maintains consumer credit information. It gathers data from banks, lenders, and financial institutions to create credit reports and scores, which help determine an individual’s creditworthiness. These reports are widely used when applying for loans, credit cards, or mortgages. Equifax also offers identity protection and fraud monitoring services to safeguard personal information. By analyzing payment history, debt levels, and credit activity, Equifax plays a key role in financial decision-making for both consumer