As one of the top credit bureaus in the US, Equifax goes head-to-head with Experian, TransUnionand Hoover's parent Dun & Bradstreet to provide consumer credit scores, credit histories, and risk analysis to lenders and others. The company collects data on more than 800 million consumers and 90 million businesses around the world. Through its Workforce Solutions unit, Equifax provides outsourced payroll and human resources services. The company also offers subscription-based credit monitoring for consumers. Clients include financial institutions, retailers, automotive dealers, and mortgage companies. Equifax operates in North America, Latin America, and Europe.