EFX 8-K — Smart Summary

On April 23, 2026, Equifax Inc. and certain subsidiary borrowers entered into a Fourth Amendment to their existing Credit Agreement, originally dated August 25, 2021, which increases the unsecured revolving credit facility from $1.5 billion to $2 billion, extends the maturity of $1.9 billion of commitments by one year to August 25, 2029, and removes the 10 basis point credit spread adjustment applicable to Term SOFR borrowings.

• Fourth Amendment to Credit Agreement — Equifax Inc. (borrower/guarantor), Equifax Limited, Equifax Canada Co., Equifax International Treasury Services Unlimited Company, and Equifax Australia Holdings Pty Ltd (Designated Borrowers), the Lenders party thereto, and JPMorgan Chase Bank, N.A. (Administrative Agent); effective April 23, 2026; amends the Credit Agreement dated August 25, 2021 (as previously amended); increases aggregate unsecured revolving credit facility commitments from $1.5 billion to $2 billion; increases swingline loan availability from $150 million to $200 million; removes the 10 basis point credit spread adjustment applicable to Term SOFR borrowings; extends termination date for $1.9 billion of commitments from August 25, 2028 to August 25, 2029; remaining $100 million of commitments retain a termination date of August 25, 2028

• Executed Counterparts — Administrative Agent must have received duly executed counterparts of the Fourth Amendment from the Company, Designated Borrowers, each Lender (including each 2026 Incremental Revolving Lender), and the Administrative Agent
• Fees and Expenses — All fees and other amounts due and payable on or prior to the Fourth Amendment Effective Date must be received by the Administrative Agent, to the extent invoiced at least two Business Days prior to such date
• Representations and Warranties — Representations and warranties in Article V (excluding Sections 5.01(m) and 5.01(n)) of the Credit Agreement must be true and correct in all material respects on and as of the Fourth Amendment Effective Date
• No Existing Default — No Default or Event of Default shall have occurred and be continuing, both before and after giving effect to the Fourth Amendment
• Officer's Certificate — Administrative Agent must receive a certificate of a Responsible Officer of the Company certifying accuracy of representations and warranties, absence of Default or Event of Default, and Pro Forma Basis compliance with the financial covenant in Section 8.01 of the Credit Agreement as of the most recently ended fiscal quarter on a trailing four quarter basis
• General Certificates — Administrative Agent must receive certificates of Responsible Officers of the Company and each Designated Borrower certifying incumbency, signatures, Constitutional Documents, bylaws, and board resolutions for borrowers incorporated in England and Wales, Ireland, Canada, and Australia
• Certificates of Good Standing — Administrative Agent must receive recent certificates of good standing for the Company under its jurisdiction of organization
• Legal Opinions — Administrative Agent must receive opinions of internal and external counsel to the Company, addressed to the Administrative Agent and Lenders, in form and substance reasonably satisfactory to the Administrative Agent
• Patriot Act / KYC — Administrative Agent and Lenders must have received all required 'know your customer' and anti-money laundering documentation, including Patriot Act and Canadian Anti-Terrorism Laws compliance, at least three Business Days prior to the Fourth Amendment Effective Date (to the extent requested at least ten Business Days prior); Beneficial Ownership Certification required for qualifying borrowers at least three business days prior to the Fourth Amendment Effective Date (to the extent requested at least ten business days prior)

• Revolving Credit Facility Size — Increased from an aggregate principal amount of $1.5 billion to $2 billion (an incremental increase of $500,000,000)
• 2029 Revolving Commitments — Aggregate amount of $1,900,000,000 as of the Fourth Amendment Effective Date, maturing August 25, 2029
• 2028 Revolving Commitments — Aggregate amount of $100,000,000 as of the Fourth Amendment Effective Date, maturing August 25, 2028
• Swingline Loan Availability — Increased from $150 million to $200 million
• Term SOFR Credit Spread Adjustment — 10 basis point credit spread adjustment applicable to Term SOFR borrowings removed
• Fees and Expenses — Company required to reimburse all reasonable and documented out-of-pocket expenses, including fees, charges, and disbursements of Simpson Thacher & Bartlett LLP (counsel to the Administrative Agent and Fourth Amendment Arrangers), due and payable on or prior to the Fourth Amendment Effective Date to the extent invoiced at least two Business Days prior to such date

• Unsecured Revolving Credit Facility (2029 Revolving Commitments) — Equifax Inc. and subsidiary borrowers (Equifax Limited, Equifax Canada Co., Equifax International Treasury Services Unlimited Company, Equifax Australia Holdings Pty Ltd) with lenders party thereto and JPMorgan Chase Bank, N.A. as administrative agent; aggregate principal amount of $1,900,000,000; maturity date August 25, 2029; interest rates based on Term Benchmark/RFR Loans, ABR, or Canadian Prime Rate per applicable pricing grid (ranging from 1.000% to 1.625% for Term Benchmark/RFR Loans depending on debt rating)
• Unsecured Revolving Credit Facility (2028 Revolving Commitments) — Same parties; aggregate principal amount of $100,000,000; maturity date August 25, 2028; same interest rate terms as 2029 Revolving Commitments
• Swingline Sublimit — Availability increased from $150,000,000 to $200,000,000; part of, and not in addition to, the Aggregate Revolving Commitments

• Commitment Fee — Ranges from 0.090% to 0.225% per annum based on debt rating (Pricing Levels 1–5 per S&P/Moody's ratings from A-/A3 or better to worse than BBB-/Baa3)
• Credit Spread Adjustment Removal — The 10 basis point credit spread adjustment applicable to Term SOFR borrowings has been removed
• Incremental Increase — Aggregate Revolving Commitments increased by $500,000,000 from $1,500,000,000 to $2,000,000,000 via 2026 Incremental Revolving Commitments
• Alternative Currency Sublimit — $300,000,000; part of, and not in addition to, the Aggregate Revolving Commitments
• Financial Covenant — Maximum Leverage Ratio (Section 8.01); compliance required on a Pro Forma Basis as of the most recently ended fiscal quarter on a trailing four quarter basis
• Unsecured Facility — Facility is unsecured; no collateral pledged
• Guaranty — Equifax Inc. provides a guaranty of payment for obligations of Designated Borrowers
• Events of Default — Includes Change in Control and other standard events as set forth in Article IX of the Credit Agreement
• Ratable Participation — Prior to the 2028 Maturity Date, all Revolving Loans, Letters of Credit participations, and Swing Line Loan risk participations are held ratably by all Lenders; on and after the 2028 Maturity Date, held ratably by 2029 Revolving Lenders only
• Prepayment — Borrowers may borrow, prepay, and reborrow Revolving Loans within the limits set forth in the Credit Agreement
• Representations and Warranties — Must be true and correct in all material respects on the Fourth Amendment Effective Date; no Default or Event of Default may be continuing