Its reports still provide large amounts of detailed information on the personal credit and payment history of individuals and businesses to indicate how they have honored financial obligations. Equifax’s source of data today is still some of the most vital information used by credit grantors to decide what sort of products or services they offer to their customers and at what terms. Equifax’s system for collecting data is NCTUE, an exchange of non-credit data including consumer payment history on Telco and other utility accounts. Since 1999 Equifax has also been aggressively growing in several other credit-related areas. It has excelled with their credit fraud and identity theft prevention products. Equifax has also started earning a major part of its revenue from services which provide consumers and businesses with credit monitoring. Today Equifax is one of the major credit reporting agencies used in many countries. Some of the countries where Equifax is mainly used include Canada, Chile, India, Mexico, Peru, the United Kingdom, and the United States.