Equifax boosts revolving credit facility to $2B

Equifax Inc. amended its main revolving credit agreement to increase available liquidity and extend maturities.

Rhea-AI Filing Summary

Equifax Inc. amended its main revolving credit agreement to increase available liquidity and extend maturities. The unsecured revolving credit facility commitments rose from $1.5 billion to $2 billion, and swingline loan capacity increased from $150 million to $200 million.

The amendment also removes a 10 basis point credit spread adjustment on Term SOFR borrowings. The termination date for $1.9 billion of the facility is extended by one year from August 25, 2028 to August 25, 2029, while $100 million still terminates on August 25, 2028. All other terms of the credit agreement remain in effect.

Insights

Credit markets analyst

Equifax expands and extends its core revolving credit facility, modestly enhancing financial flexibility.

The company increased its unsecured revolving credit capacity from $1.5 billion to $2 billion and swingline availability from $150 million to $200 million. This facility underpins short-term funding needs and general corporate liquidity.

The amendment extends the termination date on $1.9 billion of commitments to August 25, 2029, leaving $100 million maturing on August 25, 2028. It also removes a 10 basis point credit spread adjustment on Term SOFR borrowings, slightly lowering related interest costs. Overall, this looks like a routine refinancing step that modestly strengthens access to bank funding.

8-K Event Classification

3 items: 1.01, 2.03, 9.01

3 items

Item 1.01 Entry into a Material Definitive Agreement Business

The company signed a significant contract such as a merger agreement, credit facility, or major partnership.

Item 2.03 Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement Financial

The company incurred a new significant debt or off-balance-sheet obligation.

Item 9.01 Financial Statements and Exhibits Exhibits

Financial statements, pro forma financial information, or exhibit attachments filed with this report.

Key Figures

Revolver size before amendment: $1.5 billion Revolver size after amendment: $2 billion Swingline availability before: $150 million +4 more

7 metrics

Revolver size before amendment $1.5 billion Unsecured revolving credit facility commitments prior to April 23, 2026 amendment

Revolver size after amendment $2 billion Unsecured revolving credit facility commitments after April 23, 2026 amendment

Swingline availability before $150 million Swingline loan capacity under credit agreement before amendment

Swingline availability after $200 million Swingline loan capacity under credit agreement after amendment

Extended commitments amount $1.9 billion Portion of revolving commitments with termination date extended to August 25, 2029

Unextended commitments amount $100 million Portion of revolving commitments still terminating on August 25, 2028

Credit spread adjustment removed 10 basis points Credit spread adjustment on Term SOFR borrowings eliminated by amendment

Key Terms

revolving credit facility, swingline loan, Term SOFR, credit spread adjustment, +1 more

5 terms

revolving credit facility financial

"increases the commitments of the unsecured revolving credit facility provided pursuant to the Credit Agreement"

A revolving credit facility is a type of loan that a business can borrow from whenever it needs money, up to a set limit. It’s like having a credit card for companies—allowing them to borrow, pay back, and borrow again as needed, providing flexibility for managing cash flow or funding short-term expenses.

swingline loan financial

"increases the swingline loan availability from $150 million to $200 million"

Term SOFR financial

"removes the 10 basis point credit spread adjustment applicable to “Term SOFR” borrowings"

Term SOFR is a benchmark interest rate that reflects the cost of borrowing money over a specific period, based on actual transactions in the financial markets. It is used by lenders and borrowers to set the interest rates on loans and financial contracts, helping to ensure rates are fair and transparent. For investors, understanding term SOFR helps gauge borrowing costs and the overall direction of interest rates in the economy.

credit spread adjustment financial

"removes the 10 basis point credit spread adjustment applicable to “Term SOFR” borrowings"

A credit spread adjustment is a change made to the expected return or price of a debt instrument to reflect the market’s view of the borrower’s risk of default. Think of it as adding or subtracting a safety margin to the interest rate you demand for lending to someone: wider adjustments mean greater perceived risk and lower bond prices, while narrower adjustments mean lower perceived risk and higher prices. For investors this directly affects yield, portfolio valuation and comparisons between borrowers.

administrative agent financial

"and JPMorgan Chase Bank, N.A., as administrative agent"

An administrative agent is a bank or financial firm appointed to handle the day-to-day paperwork and communication for a group of lenders on a loan or credit agreement, acting as the central point for collecting payments, distributing funds, monitoring covenants, and sharing information. For investors, the administrative agent matters because it influences how quickly lenders receive updates, how smoothly repayments and waivers are handled, and how effectively the lending group enforces terms — think of it as a property manager coordinating tasks for multiple owners.

FAQ

AI-generated questions and answers. How Rhea-AI works. Not financial advice.

What change did Equifax (EFX) make to its revolving credit facility?

Equifax increased the size of its unsecured revolving credit facility from $1.5 billion to $2 billion. This larger commitment provides more borrowing capacity for general corporate purposes and short-term liquidity needs under its existing bank credit agreement.

How did the amendment affect Equifax (EFX) swingline loan availability?

The amendment increased swingline loan availability from $150 million to $200 million. Swingline loans are short-term borrowings under the credit facility, so this higher limit gives Equifax more flexibility for day-to-day funding requirements within the overall commitment.

What maturity extensions were agreed in Equifax (EFX) credit amendment?

The termination date for $1.9 billion of Equifax’s revolving credit commitments was extended one year, from August 25, 2028 to August 25, 2029. The remaining $100 million of the facility continues to mature on August 25, 2028 under the existing schedule.

Did the Equifax (EFX) credit amendment change borrowing costs?

Yes. The amendment removed the 10 basis point credit spread adjustment applicable to Term SOFR borrowings. Eliminating this extra spread marginally reduces interest costs on portions of Equifax’s borrowings that are priced using Term SOFR under the facility.

Were other terms of Equifax (EFX) credit agreement changed by this amendment?

Aside from increasing commitments, adjusting swingline capacity, removing the Term SOFR credit spread adjustment, and extending certain maturities, other terms remain in full force. The existing credit agreement structure, parties, and general conditions continue as previously agreed.

AI-generated analysis. How Rhea-AI works. Not financial advice.

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Accepted by SEC EDGAR 04/24/2026 - 05:05 PM Learn about SEC filing dates

EQUIFAX INC false 0000033185 0000033185 2026-04-23 2026-04-23

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(d)

of the Securities Exchange Act of 1934

Date of Report (Date of earliest event reported): April 23, 2026

EQUIFAX INC.

(Exact Name of Registrant as Specified in Charter)

Georgia		001-06605		58-0401110
(State or Other Jurisdiction of Incorporation)		(Commission File Number)		(IRS Employer Identification No.)

1550 Peachtree Street, N.W. Atlanta, Georgia		30309
(Address of Principal Executive Offices)		(Zip Code)

Registrant’s telephone number, including area code: (404) 885-8000

Not Applicable

(Former Name or Former Address, if Changed Since Last Report)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

Title of each class		Trading Symbol		Name of each exchange on which registered
Common stock, $1.25 par value per share		EFX		New York Stock Exchange

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Item 1.01. Entry into a Material Definitive Agreement.

Amendment to Revolving Credit Agreement

On April 23, 2026, Equifax Inc. (the “Company”) and certain of its subsidiaries, Equifax Limited, Equifax Canada Co., Equifax International Treasury Services Unlimited Company and Equifax Australia Holdings Pty Ltd (collectively, the “Subsidiary Borrowers”), entered into a Fourth Amendment to Credit Agreement (the “Amendment”), which amends the Company’s existing Credit Agreement, dated as of August 25, 2021, among the Company, the Subsidiary Borrowers, the lenders from time to time party thereto and JPMorgan Chase Bank, N.A., as administrative agent (as previously amended, the “Credit Agreement”). The Amendment, among other things, increases the commitments of the unsecured revolving credit facility provided pursuant to the Credit Agreement from an aggregate principal amount of $1.5 billion to aggregate principal amount of $2 billion, increases the swingline loan availability from $150 million to $200 million, and removes the 10 basis point credit spread adjustment applicable to “Term SOFR” borrowings. In addition, the Amendment extends the termination date with respect to $1.9 billion of the aggregate revolving credit facility commitments by one year from August 25, 2028 to August 25, 2029. The termination date with respect to the remaining $100 million of the revolving credit facility commitments is August 25, 2028. Except as amended by the Amendment, the terms of the Credit Agreement remain in full force and effect.

The foregoing description of the Amendment is only a summary, does not purport to be complete and is qualified in its entirety by reference to the full text of the Amendment, which is filed as Exhibit 10.1 hereto, and is incorporated herein by reference.

Item 2.03. Creation of a Direct Financial or an Obligation Under an Off-Balance Sheet Arrangement of a Registrant.

The information contained in Item 1.01 above is incorporated by reference into this Item 2.03.

Item 9.01. Financial Statements and Exhibits.

(d) Exhibits

Exhibit No.		Description
10.1		Fourth Amendment to Credit Agreement, dated as of April 23, 2026, by and between Equifax Inc., the designated borrowers party thereto, the lenders party thereto and JPMorgan Chase Bank, N.A., as administrative agent (filed herewith).
104		Cover Page Interactive Data File (embedded within the Inline XBRL document).

SIGNATURE

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

EQUIFAX INC.
By:		/s/ Julia A. Houston
Name:		Julia A. Houston
Title:		Executive Vice President, Chief Legal Officer

Date: April 24, 2026

Filing Exhibits & Attachments

4 documents

Agreements & Contracts

• EX-10.1 EX-10.1 984.1 KB

Other Documents

• EX-101 XBRL TAXONOMY EXTENSION SCHEMA 3.1 KB
• EX-101 XBRL TAXONOMY EXTENSION LABEL LINKBASE 17.6 KB
• EX-101 XBRL TAXONOMY EXTENSION PRESENTATION LINKBASE 11.0 KB