Core Insights - Equifax secured 27 patents in the second half of 2025, totaling 62 patents for the year, with a focus on artificial intelligence to enhance financial opportunities for consumers [1] - The company has nearly 700 issued or pending patents across 15 countries, emphasizing responsible AI and innovative customer-facing solutions [1] - Equifax's investment of approximately $3 billion in security and technology supports the development of the Equifax Cloud and custom data fabric, driving AI innovation and maximizing EFX.AI capabilities [2] Patent Innovations - The patent for Production-Ready Attributes Creation and Management enhances attribute management on Equifax Ignite® and InterConnect® platforms, facilitating quicker transitions from analytics to production [2] - A patent consolidating data sources for risk assessment validation accelerates decision-making by combining user-provided data and financial institution data through a single interface [2] - The Updating Attribute Data Structures patent improves automated prediction models by creating "trended attributes" from historical data, capturing behavioral patterns over time [2] - A machine-learning patent enhances risk assessment by integrating traditional and alternative data, providing a more comprehensive risk evaluation [2] - The Secure Online Access Control patent aims to prevent online fraud through a central security system that manages and protects digital resources [2] - Device-Agnostic Access Control Techniques create a unique "behavioral fingerprint" for users, improving security and user experience across devices [2] Company Overview - Equifax is a global data, analytics, and technology company that plays a crucial role in the global economy by assisting financial institutions, companies, employers, and government agencies in making critical decisions [3] - The company's blend of data, analytics, and cloud technology drives insights that empower decision-making and progress [3] - Headquartered in Atlanta, Equifax operates or has investments in North America, Central and South America, Europe, and the Asia Pacific region [3]

Core Insights - Equifax secured 27 patents in the second half of 2025, totaling 62 patents for the year, with 20 patents specifically supporting its AI strategy, EFX.AI, aimed at enhancing product innovation and creating new financial opportunities for consumers [1][2] Group 1: Patent Innovations - The latest patents include technologies for production-ready attribute management, consolidating data sources for risk assessment, and machine-learning techniques for risk evaluation, which enhance decision-making and improve customer insights [3][4] - A notable patent focuses on creating "trended attributes" from historical data to improve automated prediction models, addressing limitations of static data [3] - Another patent describes a device-agnostic security system that enhances user experience through a unique behavioral fingerprint for secure access [4] Group 2: Strategic Investments - Equifax has made a multi-year investment of approximately $3 billion in security and technology to support its cloud infrastructure, which is crucial for driving AI innovation and maximizing EFX.AI capabilities [2] - The Equifax Cloud is highlighted as a top-tier global technology and security infrastructure that differentiates the company in the industry [2] Group 3: Global Presence and Commitment - Equifax operates in 24 countries and employs nearly 15,000 people, emphasizing its role in the global economy by aiding various sectors in making informed decisions [5]

Core Insights - Equifax has launched a new product called Income Qualify, which provides income and employment insights to mortgage lenders during the prequalification and pre-approval phases, enhancing the value of the Equifax consumer credit file [1][2]. Group 1: Product Features - Income Qualify offers verified income and employment data earlier in the lending process, allowing lenders to conduct initial assessments more quickly and with less burden on borrowers [2][4]. - The product leverages data from The Work Number, providing key data points such as borrower name, employer name, job tenure, and prior-year total income, which aids in assessing borrower eligibility and managing costs [4][8]. Group 2: Market Context - Mortgage lenders are facing increased competition for qualified buyers, necessitating faster assessments and critical lending decisions while managing costs [3]. - Equifax aims to support home ownership affordability and believes that comprehensive data solutions like Income Qualify are essential for this goal [3][5]. Group 3: Pricing Strategy - Equifax announced a significant reduction in pricing for VantageScore 4.0 mortgage credit scores, offering them at over 50% less than FICO 2026 prices and committing to hold the $4.50 pricing for two years [5].