33185--2/28/2007--EQUIFAX

related topics

{product, market, service}

{system, service, information}

{condition, economic, financial}

{acquisition, growth, future}

{property, intellectual, protect}

{stock, price, share}

{provision, law, control}

{regulation, government, change}

{financial, litigation, operation}

{personnel, key, retain}

{operation, international, foreign}

{customer, product, revenue}

{cost, operation, labor}

{tax, income, asset}

Risks Related to Our Business and Growth Strategy We have announced and are currently in the process of implementing a new long-term growth strategy, and we may not be successful. We may incur risks related to acquisitions or significant investment in businesses. Since our revenues depend to a large extent on our customers demand for consumer credit information, deterioration of current economic conditions may harm our results of operations. 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 gross margins. Our ability to increase our revenues will depend to some extent upon introducing new products and services, and if the marketplace does not accept these new products and services, our revenues may remain flat or decline. If we fail to keep up with rapidly changing technologies, our products and services could become less competitive or obsolete. We may suffer adverse financial consequences if Computer Sciences Corporation requires us to purchase its credit reporting business when the public equity or debt markets or other financing conditions are unfavorable to us. Our international operations subject us to additional business risks that may reduce our profitability or revenues. Security is critically important to our business, and breaches of security, or the perception that e-commerce is not secure, could harm our business and reputation. 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. The loss of key personnel, or the inability to attract and retain highly skilled personnel, could make it more difficult to run our business and reduce our likelihood of success. We could fail to adequately protect our intellectual property rights. We face and could continue to face claims for intellectual property infringement. Our agreements with key long-term customers may not be renewed. Our tax provisions may not be adequate. Risks Relating to Our Industry Changes in the legislative, regulatory and judicial environments may adversely affect our ability to collect, manage, aggregate and use data. The outcome of litigation or regulatory proceedings in which we are involved could be adverse. There may be further consolidation in our end-client markets. To the extent that our existing clients merge with or are acquired by other entities who are not our clients or who use fewer of our services, such as in the financial services sector, we could be adversely impacted if the surviving entities use fewer of our services or discontinue use of our services altogether, or if the number of potential clients is thereby reduced. Risks Related to Our Common Stock We have the ability to issue additional equity securities, which would lead to dilution of our issued and outstanding common stock. Provisions in our articles of incorporation, bylaws, shareholder rights plan, other agreements and Georgia law may make it difficult for a third-party to acquire us, even in situations that may be viewed as desirable by our shareholders.

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33185--2/28/2007--EQUIFAX_INC