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Information and description:
A business information company. Its principal line of business
is consumer credit rating. It also holds other information
which enables its clients to make business decisions, for
example company records, insurance information, vehicle details
and lifestyle data. Experian employs approximately 13,000
worldwide and as of 2005 had clients in 60 countries. It has
headquarters in Nottingham in the UK and Costa Mesa in California.
According to its website Experian's annual sales exceed $2.2
billion. Experian is owned by the British company GUS plc.
Experian North America's core business is providing consumer
credit information to businesses so that they can in turn
extend credit to consumers. It is one of the 'big three' credit
reporting agencies in the United States. Like its main competitors,
Trans Union and Equifax, it has also begun marketing credit
reports directly to consumers. Its databases contain credit
information on 215 million consumers in the U.S.
Experian acquired its credit reporting business from TRW in
1995, and it now employs approximately 4500 people in North
America. Its annual sales exceed $1.3 billion.
In addition to providing credit reports, it maintains a database
of over 450 million vehicles containing title and registration
data from North American governments and provides address
information for more than 20 billion promotional mail pieces
to more than 100 million households every year.
U.S. Credit Reporting
Experian's credit reporting business, like the other major
credit reporting bureaus, is chiefly regulated by the Fair
Credit Reporting Act. The Fair and Accurate Credit Transactions
Act signed into law on December 1, 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.
Experian North America's recent acquisitions
* Simmons Research - October 2004
* Americas Software Corporation - August 2004
* AutoCount - May 2004
* CheetahMail - March 2004
* Marketswitch - February 2004
* MetaReward - December 2003
* PromiseMark - June 2003
See also
* Credit score
* Identity theft
* Fair Credit Reporting Act
See also:
•
List
of Finance Topics
• Adverse Credit History
• Bankruptcy
• Debt
Consolidation
• Personal
Finance
• Student
Loan Consolidate
•
Foreclosure
• Liens
This
article is licensed under the GNU
Free Documentation License.
It uses material from the Wikipedia
article "Experian".
exerian, experien, expurean, experain, exprian, expereen,
experean, experan, expeleen, experein, experin, expelein,
expeiran, expreian, exeprian, epxerian, xeperian, experia,
xperian, eperian, expurein, expurain, exporian, experina,
experiin, expeian,
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