EXHIBIT 25.1 ================================================================================ FORM T-1 SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 STATEMENT OF ELIGIBILITY UNDER THE TRUST INDENTURE ACT OF 1939 OF A CORPORATION DESIGNATED TO ACT AS TRUSTEE CHECK IF AN APPLICATION TO DETERMINE ELIGIBILITY OF A TRUSTEE PURSUANT TO SECTION 305(b)(2) [ ] --------------------------- THE BANK OF NEW YORK (Exact name of trustee as specified in its charter) New York 13-5160382 (State of incorporation (I.R.S. employer if not a U.S. national bank) identification no.) One Wall Street, New York, N.Y. 10286 (Address of principal executive offices) (Zip code) The Bank of New York One Wall Street New York, N.Y. 10286 Attn: Legal Department Tel: (212) 495-1784 (Name, address and telephone number of agent for service) --------------------------- EQUIFAX INC. (Exact name of obligor as specified in its charter) Georgia 58-0401110 (State or other jurisdiction of (I.R.S. employer incorporation or organization) identification no.) 1550 Peachtree Street, N.W. Atlanta, Georgia 30309 (Address of principal executive offices) (Zip code) --------------------------- 4.95% Notes Due 2007 (Title of the indenture securities) ================================================================================ 1. GENERAL INFORMATION. FURNISH THE FOLLOWING INFORMATION AS TO THE TRUSTEE: (A) NAME AND ADDRESS OF EACH EXAMINING OR SUPERVISING AUTHORITY TO WHICH IT IS SUBJECT.
------------------------------------------------------------------------------------------------ Name Address ------------------------------------------------------------------------------------------------- Superintendent of Banks of the State of New York 2 Rector Street, New York, N.Y. 10006, and Albany, N.Y. 12203 Federal Reserve Bank of New York 33 Liberty Plaza, New York, N.Y. 10045 Federal Deposit Insurance Corporation Washington, D.C. 20429 New York Clearing House Association New York, New York 10005
(B) WHETHER IT IS AUTHORIZED TO EXERCISE CORPORATE TRUST POWERS. Yes. 2. AFFILIATIONS WITH OBLIGOR. IF THE OBLIGOR IS AN AFFILIATE OF THE TRUSTEE, DESCRIBE EACH SUCH AFFILIATION. None. 16. LIST OF EXHIBITS. EXHIBITS IDENTIFIED IN PARENTHESES BELOW, ON FILE WITH THE COMMISSION, ARE INCORPORATED HEREIN BY REFERENCE AS AN EXHIBIT HERETO, PURSUANT TO RULE 7A-29 UNDER THE TRUST INDENTURE ACT OF 1939 (THE "ACT") AND 17 C.F.R. 229.10(D). 1. A copy of the Organization Certificate of The Bank of New York (formerly Irving Trust Company) as now in effect, which contains the authority to commence business and a grant of powers to exercise corporate trust powers. (Exhibit 1 to Amendment No. 1 to Form T-1 filed with Registration Statement No. 33-6215, Exhibits 1a and 1b to Form T-1 filed with Registration Statement No. 33-21672 and Exhibit 1 to Form T-1 filed with Registration Statement No. 33-29637.) 4. A copy of the existing By-laws of the Trustee. (Exhibit 4 to Form T-1 filed with Registration Statement No. 33-31019.) 6. The consent of the Trustee required by Section 321(b) of the Act. (Exhibit 6 to Form T-1 filed with Registration Statement No. 33-44051.) -2- 7. A copy of the latest report of condition of the Trustee published pursuant to law or to the requirements of its supervising or examining authority. -3- SIGNATURE Pursuant to the requirements of the Act, the Trustee, The Bank of New York, a corporation organized and existing under the laws of the State of New York, has duly caused this statement of eligibility to be signed on its behalf by the undersigned, thereunto duly authorized, all in The City of New York, and State of New York, on the 20th day of November, 2002. THE BANK OF NEW YORK By: /S/ ROBERT A. MASSIMILLO ---------------------------------- Name: ROBERT A. MASSIMILLO Title: VICE PRESIDENT -4- EXHIBIT 7 Consolidated Report of Condition of THE BANK OF NEW YORK of One Wall Street, New York, N.Y. 10286 And Foreign and Domestic Subsidiaries, a member of the Federal Reserve System, at the close of business June 30, 2002, published in accordance with a call made by the Federal Reserve Bank of this District pursuant to the provisions of the Federal Reserve Act.
Dollar Amounts In Thousands ASSETS Cash and balances due from depository institutions: Noninterest-bearing balances and currency and coin .......................... $ 2,850,111 Interest-bearing balances ................................................... 6,917,898 Securities: Held-to-maturity securities ................................................. 1,201,319 Available-for-sale securities ............................................... 13,227,788 Federal funds sold in domestic offices ......................................... 1,748,562 Securities purchased under agreements to resell ...................................................................... 808,241 Loans and lease financing receivables: Loans and leases held for sale .............................................. 974,505 Loans and leases, net of unearned income...............36,544,957 LESS: Allowance for loan and lease losses............578,710 Loans and leases, net of unearned income and allowance ...................................................... 35,966,247 Trading Assets ................................................................. 6,292,280 Premises and fixed assets (including capitalized leases) ..................................................................... 860,071 Other real estate owned ........................................................ 660 Investments in unconsolidated subsidiaries and associated companies ........................................................ 272,214 Customers' liability to this bank on acceptances outstanding ................................................................. 467,259 Intangible assets Goodwill .................................................................... 1,804,922 Other intangible assets ..................................................... 70,679 Other assets ................................................................... 4,639,158 -----------
Total assets ................................................................... $ 78,101,914 ============ LIABILITIES Deposits: In domestic offices ......................................................... $ 29,456,619 Noninterest-bearing.......................11,393,028 Interest-bearing..........................18,063,591 In foreign offices, Edge and Agreement subsidiaries, and IBFs .................................................... 26,667,608 Noninterest-bearing..........................297,347 Interest-bearing..........................26,370,261 Federal funds purchased in domestic offices ...................................................................... 1,422,522 Securities sold under agreements to repurchase ................................. 466,965 Trading liabilities ............................................................ 2,946,403 Other borrowed money: (includes mortgage indebtedness and obligations under capitalized leases) ................................................... 1,844,526 Bank's liability on acceptances executed and outstanding ................................................................. 469,319 Subordinated notes and debentures .............................................. 1,840,000 Other liabilities .............................................................. 5,998,479 ------------ Total liabilities .............................................................. $ 71,112,441 ============ Minority interest in consolidated subsidiaries ................................................................ 500,154 EQUITY CAPITAL Perpetual preferred stock and related surplus ..................................................................... 0 Common stock ................................................................... 1,135,284 Surplus ........................................................................ 1,055,509 Retained earnings .............................................................. 4,244,963 Accumulated other comprehensive income ......................................... (53,563) Other equity capital components ................................................ 0 ------------ Total equity capital ........................................................... 6,489,319 ------------ Total liabilities minority interest and equity capital ......................... $ 78,101,914 ============
-6- I, Thomas J. Mastro, Senior Vice President and Comptroller of the above-named bank do hereby declare that this Report of Condition is true and correct to the best of my knowledge and belief. Thomas J. Mastro, Senior Vice President and Comptroller We, the undersigned directors, attest to the correctness of this statement of resources and liabilities. We declare that it has been examined by us, and to the best of our knowledge and belief has been prepared in conformance with the instructions and is true and correct. Thomas A. Renyi Gerald L. Hassell Alan R. Griffith Directors -7-