Exposed! The Raw Truth about Experian Credit Bureau

As a credit reporting company, Experian keeps credit history information about consumers. Experian compiles all the information they receive from lenders, and compiles it into a credit report. When you apply for credit, a lender pays to pull your credit record to see your financial history. Prospective employers are allowed to pay to see your credit, also. Experian is the youngest of the three main credit reporting agencies, but that doesn’t mean it is not well respected. Experian employs approximately 15,500 people in 38 countries and supports clients in more than 65 countries. Annual sales for this international corporation are estimated to be nearly $4.1 billion. Experian is listed on the London Stock Exchange under the tag EXPN, and is part of the FTSE 100 index. Experian Credit Bureau was founded in 1980 in Nottingham, England. Today, the headquarters of Experian are located in Dublin, Ireland, but the company also has operational headquarters in Costa Mesa, Calif., and Nottingham, United Kingdom. To check a credit report, visit www.annualcreditreport.com to receive a free copy of your report. This service can only be used once a year. You can also visit www.experian.com to access your credit report. There are sales, but in most cases, there is a cost associated with accessing your Experian credit report. After accessing your Experian credit report, you may find issues. When this is the case, you must dispute these errors. To dispute an error on your Experian report, you can log on to Experian’s website and go through the motions there. It's very important to know that sometimes getting an Experian dispute corrected can be very time consuming and cumbersome. And, after your hard work, your may not get results. Many consumers have the same thoughts as this one “Reading my credit report was very confusing and unnerving. When I did think I understood, and took action against my disputes, I waited what seemed like forever to hear a reply. When I did finally get an answer, it was no, and I was right back where I started.” Another consumer says this about disputing an error on his credit report: “I had some many negative marks on my report; I didn’t know where to start. Reading these reports is very overwhelming, and I really wish that someone would help me figure out this mess!”