33185--2/26/2009--EQUIFAX

related topics

{product, market, service}

{system, service, information}

{condition, economic, financial}

{operation, international, foreign}

{regulation, government, change}

{property, intellectual, protect}

{capital, credit, financial}

{acquisition, growth, future}

{tax, income, asset}

{cost, operation, labor}

{cost, contract, operation}

{regulation, change, law}

{personnel, key, retain}

{financial, litigation, operation}

{competitive, industry, competition}

Declining general economic conditions and uncertainties in the global credit and equity markets may adversely affect our operating results and financial condition. Our operating results and financial condition could be harmed if the markets into which we sell our products decline or do not grow as anticipated. We could face increased competitive pricing pressures. The loss of access to credit and other data from external sources could harm our ability to provide our products and services. Our markets are highly competitive and new product introductions and pricing strategies being offered by our competitors could decrease our sales and market share or require us to reduce our prices in a manner that reduces our operating margins. Our cost reduction and restructuring initiatives may not result in anticipated savings or more efficient operations. Disruptions in the capital and credit markets could adversely affect our ability to access short-term and long-term capital. A decline in our credit ratings could adversely impact on ability to access capital and significantly increase our cost of capital. If interest rates increase, our net income could be negatively affected. We may suffer adverse financial consequences if Computer Sciences Corporation requires us to purchase its credit reporting business at a time when the public equity or debt markets or other financing conditions are unfavorable to us. If we are not able to achieve our overall long-term goals, the value of an investment in our Company could be negatively affected. If we do not introduce successful new products and services in a timely manner, our products and services will become obsolete, and our operating results will suffer. Dependence on outsourcing certain portions of our supply and distribution chain may adversely affect our ability to bring products to market and damage our reputation. Dependence on outsourced information technology and other administrative functions may impair our ability to operate effectively. Failure to adjust our business due to changing market conditions or failure to estimate our customers' demand could adversely affect our income. Poor investment performance of pension plan holdings and other factors impacting pension plan costs could unfavorably impact our results of operations and liquidity. If we are unable to expand our operations in developing and emerging markets, our growth rate could be negatively affected. Economic, political and other risks associated with international sales and operations could adversely affect our results of operations. Fluctuations in foreign currency exchange could affect our financial results. The impact of consolidation in the financial services, mortgage, retail, telecommunications and other markets is difficult to predict and may harm our business. Our acquisitions, strategic alliances, joint ventures and divestitures may result in financial outcomes that are different than expected. Our customers and we are subject to various governmental regulations, compliance with which may cause us to incur significant expenses, and if we fail to maintain satisfactory compliance with certain regulations, we could be subject to civil or criminal penalties. Third parties may claim that we are infringing their intellectual property and we could suffer significant litigation or licensing expenses or be prevented from selling products or services. Third parties may infringe our intellectual property and we may suffer competitive injury or expend significant resources enforcing our rights. If we experience system failures, the delivery of our products and services to our customers could be delayed or interrupted, which could harm our business and reputation and result in the loss of customers. Changes in the legislative, regulatory and judicial environment in the countries in which we operate may adversely affect our ability to collect, manage, aggregate and use data and could increase our costs or reduce our net operating revenues. If we are unable to protect our information systems against data corruption, cyber-based attacks or network security breaches, our operations could be disrupted. Our business will suffer if we are not able to retain and hire key personnel. We may be required to recognize additional impairment charges. Changes in accounting standards and taxation requirements could affect our financial results. Litigation or legal proceedings could expose us to significant liabilities and damage our reputation.

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33185--2/26/2009--EQUIFAX_INC