Equifax is one of the three major consumer credit bureaus in the United States, maintaining credit history data on millions of consumers that lenders use to make decisions on mortgages, auto loans, credit cards and other consumer credit products. Its credit reporting business benefits from a deeply entrenched position in consumer lending infrastructure, since lenders across the financial industry rely on credit bureau data as a standard part of their underwriting processes. Equifax has expanded beyond traditional credit reporting into workforce solutions, including employment and income verification services used by employers, lenders and government agencies to confirm applicants' employment history. The company's revenue is tied to overall lending and hiring activity, since credit report pulls and employment verifications both track how much borrowing and hiring is happening across the broader economy.