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The Equifax data breach is likely to have permanent repercussions not just for the company, but for any business that relies on credit scoring.

While scant details have been released about the specific nature of the incident, given the breadth and depth of the attack — affecting nearly half of all U.S. consumers and capturing full and irreplaceable personal data — the cost and impact of this breach could well cause radical shifts in the way that personally identifiable information (PII) is stored and used.