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History And Information About Experian Credit Reporting Agency
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Experian credit reporting agency does business in credit solutions, marketing solutions, automotive solutions and Experian Interactive. They provide services to thirty-six countries throughout the world. They have clients in over sixty countries as of 2007. The corporate headquarters are located in Dublin, Ireland. There sales are over three and a half billion dollars with assets over two billion dollars. |
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Experian informational services include collection management, risk management, fraud and identity management as well as marketing services. The key markets they work with are retail, insurance, healthcare, financial services, communications, collections and automotive industries. Experian gathers information about lifestyle, insurance, vehicles, businesses and consumers. There primary lines of business are interactive services, decision analytics, marketing solutions and credit services. All information collected by Experian is subject to regulatory control. When you obtain your free credit report, all three credit reporting agencies will have different information. That is why it is important to do a 3 in 1 credit report request. Experian works with different businesses than the other two credit agencies. The company also keeps a database of over four hundred and fifty million vehicles and credit reports on two hundred and fifteen million consumers. At one time, Experian was criticized and even sued for selling credit report information when it is available free to all consumers. In October of 2007, Experian has started allowing consumers to free their credit histories to prevent identity theft. The freeze will be free for persons who have experienced identity theft and ten dollars for people who have not been affected. This freeze however does have a drawback for consumers who want to receive instant credit. It will not be that easy for lenders to access your information instantly. Some facts about Experian credit reporting agency are: Allen, Texas handles all credit disputes that consumers have with their Experian credit reports. In 2006, Experian acquired Northern Credit Bureau in Canada. This allows Experian to compete with the other two credit reporting agencies. Experian, along with the other two credit reporting agencies received a failing grade for customer service in 2007. February of 2008 finds Experian being investigated by the Federal Trade Commission for asking consumers for credit card information for their free credit report information. Credit monitoring is a service provided by Experian. Experian collaborates with the other two credit reporting agencies to provide 3 in 1 credit reports to consumers. Related links: |
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