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OF COURSE YOU'VE HEARD OF EQUIFAX, INC., THE ATLANTA‐BASED CREDIT‐information‐services agency. Remember two months ago, when you picked out the handsome gray Lexus that's now sitting proudly in your reserved parking spot just outside your office? Recall when the sales manager at the dealership excused himself for a few minutes, walked into a side office, closed the door, and came out with a satisfied, deal‐makers beam just a few minutes later? Odds are he had just spent the last few minutes instantaneously accessing the credit files that Equifax keeps on you, and more than 100 million other Americans.

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