Our Equifax Cloud™ foundation gives us an AI advantage, and our AI-powered solutions use unique proprietary data, layered with advanced analytics, to deliver higher-performing models, reduce friction, and uncover new opportunities.
Equifax has driven responsible AI innovation for more than a decade. We are committed to ensuring transparency and explainability in the use of AI and infuse our patented AI techniques into solutions designed to enable customers to get to insights faster — helping to create new consumer opportunities. See how we’re harnessing the power of AI to accelerate both internal and external innovation:
AI at Equifax
Governance and Model Risk Management
Learn how we are exploring responsible and ethical ways to implement EFX.AI solutions.
Transparency and Explainability
Equifax led the way towards an industry standard for explainable AI — introducing the first Machine Learning credit scoring system with the ability to generate logical and actionable reason codes for the consumer over a decade ago.
AI-Infused Products: OneScore
Innovative scoring models like OneScore combine the power of the Equifax Cloud with alternative data insights as well as patented AI techniques and machine learning.
Our Commitment to Responsible AI Innovation
Equifax uses AI Systems in a transparent, trustworthy, fair, explainable, and secure manner, to provide benefits to consumers, customers, and our technical and business operations. EFX.AI is aligned to our corporate goals and shared corporate values. Our infrastructure is tailored to manage highly regulated, non-public data – critical to the trusted use of AI.
Patent Spotlight
1,000+ Equifax analytics professionals
Anticipating the evolving needs of customers and consumers around the world.
400+ pending and approved patents**
supporting our approach to AI
The Equifax AI patent portfolio centers on the creation of models for use in financial decisioning and fraud prevention.
** Note: Number of patents as of February 2026
Maximizing AI Performance with the Equifax Cloud™
The Equifax Cloud was custom built to maintain and manage the large volume of diverse, proprietary datasets needed to maximize AI performance. Our vision for the Equifax Cloud is to expand the depth and predictiveness of our data to help our customers innovate faster and create more effective insights into the people and communities they serve.
Explore the Equifax Cloud
Innovating with Data Science and AI
Our thousands of data scientists and engineers leverage our fully cloud native technology to more effectively harness AI capabilities. Learn how our global team of innovators is using AI to help more people access the financial tools and resources they need.
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Helping People Live Their Financial Best
Furthering access to credit with AI and Alternative Data
Explaining the Equifax Data Fabric
Making trusted, proprietary data sources accessible for innovation