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What You Should Know About Experian

Experian's principal lines of business are credit services, marketing services, decision analytics and consumer services. The company collects information on people, businesses, motor vehicles and insurance. It also collects 'lifestyle' data from on- and off-line surveys.

Experian provides services in North America, Latin America, UK and Ireland, Europe, Middle East and Africa and Asia Pacific and reports its financial performance across those regions. Activities in these regions are grouped into four principal activities: credit services, decision analytics, marketing services and consumer services.

Like the other major credit reporting bureaus, Experian is chiefly regulated in the United States by the Fair Credit Reporting Act (FCRA). The Fair and Accurate Credit Transactions Act of 2003, signed into law in 2003, amended the FCRA to require the credit reporting companies to provide consumers with one free copy of their credit report per 12-month period. Like its main competitors, TransUnion and Equifax, Experian markets credit reports directly to consumers. Experian heavily markets its for-profit credit reporting service, FreeCreditReport.com, and all three agencies have been criticised and even sued for selling credit reports that can be obtained at no cost.

Experian US handles its credit disputes in its National Consumer Assistance Center (NCAC) in Allen, Texas. One may contact the NCAC once they have a copy of their personal credit report by calling the number that is located on the personal credit report itself. Experian opened a second NCAC in Santiago, Chile in March 2007. Many divisions of the Allen NCAC as well as several other business functions including software development have been relocated to the Chile location. Experian refuses to follow California law with respect to disputes and relies only on the Fair Credit Reporting Act.

Experian provides regional data at nationalscoreindex.com which shows average credit scores by region and zip code as well as various other measures of household debt. The site does not indicate if it uses a FICO based credit score, the new VantageScore, or some other scoring model.

The company's largest operation is Experian North America, a consumer credit reporting agency that is considered one of the three largest American credit agencies along with Equifax and TransUnion.

Information Provided By Wikipedia