Equifax Limited

Reference number: 739000

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Authorised by the FCA

This firm is on the FCA register and authorised to carry out regulated activities.

This company holds another FCA record

A company can hold several FCA records, covering different parts of its business, and each one carries its own permissions and protection. The reference number you were given decides which record applies to you.

Website, phone number and address

Compare these against whatever you were given. Scammers clone real firm names and reference numbers but use their own phone number and website, so a detail that does not match the register is the clearest warning sign there is.

In the full report: 3 background checks, 1 thing worth a closer look

  • When equifax.co.uk first appeared online, and whether it can receive email
  • What kind of line 020 7532 8510 is
  • Whether EC2R 7HJ is a shared office: 30 other firms give it
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FCA permissions and consumer protection

  • Lend or arrange credit No FSCS cover
    Consumer credit is not covered by the FSCS, so there is no compensation scheme if the firm fails.
  • Complaints Ombudsman, free
    You can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.
Show FCA detail (2 permissions)
  • Credit Broking
  • Providing Credit References

FCA disciplinary action

FCA action

fine
1
in fines
£11.2m
most recent
October 2023
  • Fined £11.16m on 3 October 2023
    On 3 October 2023, the FCA imposed a financial penalty of £11,164,400 on Equifax Limited. The reason for this action is that Equifax Limited failed to manage and monitor the security of UK consumer data it had outsourced to its parent company based in the US which experienced a data breach. The fine also relates to the firm’s failings in relation to treating customers fairly and communicating information in a way which is clear, fair and not misleading following a data breach security of UK consumer data it had outsourced to its parent company based in the US. The breach allowed hackers to access the personal data of millions of people and exposed UK consumers to the risk of financial crime.

The Financial Ombudsman Service only publishes complaint figures for firms with 30 or more new complaints in six months, so there are none here for this firm.

Companies House record

The company behind the firm: its status, age, registered office and directors.

Company number
02425920
Company status
Active
Company type
Private limited company
Incorporated
25 September 1989 (37 years old)
Registered office
1 Angel Court, London, EC2R 7HJ, United Kingdom
Nature of business
  • Other business support service activities not elsewhere classified (SIC 82990)

Directors and company secretaries

Name Role Born Appointed Other companies
Paul Heywood Director Mar 1976 28 Nov 2019 1 other company
Sara Philippa Bennison Director Sep 1967 11 Sep 2024 17 other companies
David Bernard Director Jun 1973 10 Dec 2025 9 other companies
Oladeji Ibrahim Fadairo Director Nov 1985 28 Sep 2026 10 other companies
James Atkin Secretary Not published 5 Feb 2021 –

Other companies run by these 4 directors

A firm is run by people, and their other companies are their track record: what they built, what closed, and anything that failed. It is the check most people never think to make.

other companies
30
closed down
2
went insolvent
1

In the full report: all 30 companies, named

  • What each company does, and whether it is still trading
  • Which of these 4 directors sit on each board, and since when
  • The one that went into liquidation or administration
  • The 8 on the FCA register, including one no longer authorised
  • The 5 companies these 4 directors run together
  • All 41 people who have ever been directors, with their dates
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Key dates in its history

Equifax’s history from the FCA register and Companies House, newest first.

Key events (6) All events (88)

2023

3 October 2023

  • Fined £11.16m by the FCA

FCA register

2017

1 March 2017

  • Regulated by the FCA from this date
  • Became authorised by the FCA

FCA register

2016

6 April 2016

  • Equifax Eua Limited took control (75–100% of shares)

Companies House

1998

21 December 1998

  • Board replaced: both directors left and 3 new directors took over

Companies House

1989

25 September 1989

  • Incorporated at Companies House

Companies House

In the full report: all 88 events

  • All 88 events in its history (6 shown here)
  • Every director appointment and resignation: 79
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Firms connected to Equifax

Other FCA-listed firms that share a director, phone number or address with Equifax. A link shows who the firm is tied to, not whether either can be trusted.

connected firms
4
share a director
4
share its postcode
1

In the full report: all 4 connected firms, named

  • How each is linked: shared directors (4), the same postcode (1)
  • Who links each one: the named directors, with dates
  • 4 past links through former directors
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Firms like Equifax

Other firms of the same type (credit broker), nearest first.

In London

London Business SchoolLondonAuthorisedRoyal College of Nursing of the United KingdomLondonAuthorisedRobert BurgessLondonAuthorisedSwoop Finance LimitedLondonAuthorisedNanotax LimitedLondonAuthorisedMha Financial Solutions LimitedLondonAuthorised

Firms are listed by type and location, best known first. Being listed is not a recommendation: check any firm before you deal with it.

Get the full report on Equifax

Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.

  • 30 other companies its directors have run, named
  • 3 background checks on its contact details, 1 flagged
  • All 88 events in its history
  • 4 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Equifax Limited FCA authorised?
Yes, Equifax Limited (FRN 739000) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since March 2017 and works as a credit broker. The FCA has placed no limits on its permissions.
What is Equifax’s phone number and website?
The FCA register lists the phone number 020 7532 8510 and the website equifax.co.uk for Equifax. If you were given different contact details, use these to check with the firm before going any further.
Is Equifax a scam or clone?
Equifax is a genuine FCA-listed firm, and the FCA has published no warnings about fake versions of it. Scammers do copy real firms, though, so check that any contact details you were given match the ones on the register.
Is my money safe with Equifax?
Its FCA permissions do not allow it to hold or control client money. Protection depends on which product you hold and how Equifax handles your money, so check the specific product before you commit. You can also refer complaints about Equifax to the Financial Ombudsman Service, free of charge.
Who owns Equifax?
Equifax is owned by Equifax Eua Limited, which holds 75–100% of shares, 75–100% of votes and can appoint and remove the board, since 6 April 2016.
Who runs Equifax?
Companies House lists 4 directors of Equifax: Paul Heywood, Sara Philippa Bennison, David Bernard and Oladeji Ibrahim Fadairo.
How long has Equifax been in business?
The company was formed on 25 September 1989, and has held its current FCA authorisation since March 2017.
Has the FCA taken action against Equifax?
Yes. The FCA register records 1 fine in 2023, £11.16m in total. The details are in the disciplinary section above, with links to the FCA's notices.

Sources and links

The full report on Equifax Limited

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