Experian

Experian has been in business for 30 years with more than 30000 clients in North America alone. There are 4500 employees and $1.3 billion in sales on an annual basis. Experian holds information on 215 million US consumers and 15 million US businesses in its database, which is 65 terabytes in size.

They specialize in tools for consumers to help them manage, understand, and protect their personal credit. These services enable customers to correct errors affecting their credit score and preventing them from borrowing money to make a key purchase.

Experian offers several different products including a 3 Bureau Credit Report. This report gives you all three credit reports from the 3 major credit bureaus in one simple report. You can view what lenders see when doing credit checks, but you can do this check without affecting your score. You can then understand the important factors influencing your credit score.

You can generate this report very easily online or over the phone. Other personal service options available online include submitting a dispute, checking the status of a dispute, and view the results of a dispute. They also have tips to prevent identity fraud and what to do if you suspect identity theft.

Experian also offers business services to its clients. They can allow businesses to build a creditworthy customer base, improve credit collections, prevent laundering of money, and improve B2B results. With information found in their large database they can provide better intelligence on consumer behavior and credit habits. They can prevent losses due to fraud by verifying customer data and identify known fraud records.

Experian along with the other 3 major credit bureaus provide useful tools to manage you credit history and make sure that you are easily approved when needed in the future.