NationMaster - Encyclopedia: Experian

Experian is a global information solutions company, with operations in over 30 countries around the world, including the USA, UK, most European countries, Argentina, Brazil, South Africa, China, Japan and Australia. The largest operation, Experian North America, is a consumer credit reporting agency, considered one of the "big three" along with Equifax and TransUnion in that business in the United States. Image File history File links No higher resolution available. ... Corporate redirects here. ... The Source by Greyworld, in the new LSE building Paternoster Square. ... Year 1980 (MCMLXXX) was a leap year starting on Tuesday (link displays the 1980 Gregorian calendar). ... This article is about the city in Ireland. ... Nottingham is a city, unitary authority, and county town of Nottinghamshire in the East Midlands of England. ... Official website: http://ci. ... A Chairman is the presiding officer of a meeting, organization, committee, or other deliberative body. ... Chief Executive Officer (CEO) is the job of having the ultimate executive responsibility or authority within an organization or corporation. ... CFO is usually short for Chief Financial Officer, but may also mean: Carrier frequency offset Ceramic fiber optics Chief Fire Officer Chief of Flight Operations Conselho Federal de Odontologia (cfo. ... Revenue is a U.S. business term for the amount of money that a company earns from its activities in a given period, mostly from sales of products and/or services to customers. ... Image File history File links No higher resolution available. ... ISO 4217 Code USD User(s) the United States, the British Indian Ocean Territory,[1] the British Virgin Islands, East Timor, Ecuador, El Salvador, the Marshall Islands, Micronesia, Palau, Panama, Turks and Caicos Islands, and the insular areas of the United States Inflation 2. ... For the Manfred Mann album, see 2006 (album). ... Earnings before interest and taxes (EBIT), also known as operating income and operating profit, is a term used to describe a companys earnings. ... Image File history File links No higher resolution available. ... ISO 4217 Code USD User(s) the United States, the British Indian Ocean Territory,[1] the British Virgin Islands, East Timor, Ecuador, El Salvador, the Marshall Islands, Micronesia, Palau, Panama, Turks and Caicos Islands, and the insular areas of the United States Inflation 2. ... For the Manfred Mann album, see 2006 (album). ... Net income is equal to the income that a firm has after subtracting costs and expenses from the total revenue. ... Image File history File links No higher resolution available. ... ISO 4217 Code USD User(s) the United States, the British Indian Ocean Territory,[1] the British Virgin Islands, East Timor, Ecuador, El Salvador, the Marshall Islands, Micronesia, Palau, Panama, Turks and Caicos Islands, and the insular areas of the United States Inflation 2. ... For the Manfred Mann album, see 2006 (album). ... For the album by the Kaiser Chiefs see Employment (album) Employment is a contract between two parties, one being the employer and the other being the employee. ... A website (alternatively, Web site or web site) is a collection of Web pages, images, videos and other digital assets that is hosted on a Web server, usually accessible via the Internet or a LAN. A Web page is a document, typically written in HTML, that is almost always accessible... This article or section does not cite its references or sources. ... The big three is a term used to refer to three large powers or companies: // February 2: The Big Three of the WWII Allies at the Yalta Conference: Winston Churchill, Franklin D. Roosevelt and Joseph Stalin. ... Equifax, Inc. ... TransUnion (full name Trans Union LLC) is a consumer credit reporting agency, considered one of the big three agencies in the United States. ...

About the company

Experian's principal lines of business are Credit Services, Marketing Solutions, Decision Analytics and Interactive Services. It collects information on consumers, businesses, motor vehicles and insurance, along with lifestyle data from a range of on- and offline surveys. Access to the much of the information Experian holds is subject to strict regulatory control, depending on the regulations in each country it operates.

Experian employs approximately 13,500 people in 36 countries and as of 2007 had clients in more than 60 countries. Its operational headquarters are in Nottingham, United Kingdom, and Costa Mesa, California. According to its corporate site, Experian's annual sales exceed $3.4 billion USD (£1.8 billion) and it has net assets of $2.107 billion. Nottingham is a city, unitary authority, and county town of Nottinghamshire in the East Midlands of England. ... Official website: http://ci. ...

Experian was demerged from the British company GUS plc in October 2006. The new company, Experian Group Ltd, is listed on the London Stock Exchange under the abbreviation EXPN ^[1] The company is part of the FTSE 100 Index. Demerger is the converse of a merger or acquisition. ... GUS plc (LSE: GUS) is a FTSE 100 retailing group based in the United Kingdom. ... The Source by Greyworld, in the new LSE building Paternoster Square. ... The Financial Times Stock Exchange Index of 100 Leading Shares, or FTSE 100 Index (pronounced footsie), is a share index of the 100 largest companies listed on the London Stock Exchange. ...

Experian acquired its US credit reporting business from TRW in 1995, and its databases contain credit information on 215 million consumers in the United States. In addition to providing credit reports, Experian 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. TRW Incorporated was an American corporation involved in a number of businesses, mostly defense-related, but including automotive supply and credit reporting. ...

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, 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 criticized and even sued for selling credit reports that can be obtained at no cost.^[2]^[3] The Fair Credit Reporting Act (FCRA) is an American federal law (codified at 15 U.S.C. Â§ 1681 et seq. ... Under the Fair and Accurate Credit Transactions Act of 2003 (FACT Act or FACTA), (Public Law 108-159) which was passed by Congress on December 4, of 2003 as an amendment to the Fair Credit Reporting Act, consumers can request and obtain a free credit report once every twelve months... TransUnion (full name Trans Union LLC) is a consumer credit reporting agency, considered one of the big three agencies in the United States. ... Equifax, Inc. ... A credit report summarizes historical financial information collected to determine an individuals or an entitys credit worthiness; that is, the means and willingness to repay an indebtedness. ...

Experian handles its credit disputes in its National Consumer Assistance Center (NCAC) in Allen, Texas. It is frequently sued for violating the Federal Fair Credit Reporting Act (FCRA) and uses the large national law firm of Jones Day to defend these lawsuits.^[4] Experian's litigation and settlement decisions are made by its in-house attorneys based in California. You may contact the NCAC once you have a copy of your personal credit report by calling the number that is located on the personal credit report itself. Experian announced that it would be opening a second NCAC in Santiago, Chile during the summer of 2007. Many divisions of the Allen NCAC will be relocated to the Chile location. Nickname: Location within the state of Texas Coordinates: County Collin County Government - Mayor Steve Terrell Area - City 68. ... The Fair Credit Reporting Act (FCRA) is an American federal law (codified at 15 U.S.C. Â§ 1681 et seq. ... Jones Day (http://www. ... Location of Santiago commune in Greater Santiago Coordinates: Region Santiago Metropolitan Region Province Santiago Province Foundation February 12, 1541 Government - Mayor RaÃºl AlcaÃno Lihn Area 1 - City 641. ...

Experian provides regional data at nationalscoreindex.com which shows average credit scores by region and zipcode 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. In the United States, a credit score is a numerical expression based on a statistical analysis of a persons credit files, to represent the creditworthiness of that person, which is the likelihood that the person will pay his or her debts. ... VantageScore is the name of a new credit rating product that is now being offered by the three major credit bureaus (Equifax, Experian and TransUnion). ...

Cheetahmail

CheetahMail, an Experian company, is an e-mail marketing services provider specializing in Lumberjack spam mail. CheetahMail was founded in 1998 and was acquired by Experian in 2004. E-mail marketing is a form of direct marketing which uses electronic mail as a means of communicating commercial or fundraising messages to an audience. ...

QAS

QAS, an Experian company, is an international provider of data quality solutions. QuickAddress software uses data secured from national postal authorities and other leading data sources to verify and clean name and address records. QAS was acquired by Experian in 2004.

Other countries

Experian announced its purchase of Northern Credit Bureaus, located in Quebec, Canada on September 26, 2006. Experian now has access to NCBs database of consumer credit information and has made the entry into the Canadian market to compete with Trans Union and Equifax (http://www.lexdon.com/article/experian_expands_operations_in_canada/57418.html). It should be noted that none of the Big 5 Banks in Canada have acknowledged that they use (or even know of) NCB/Experian, but they openly acknowledge their use of Equifax & Trans Union.

Controversies

The Florida state attorney general is currently conducting a civil (not criminal) investigation of Experian for possible violations of Florida's Deceptive and Unfair Trade Practices Act.[1] Possible violations include misleading advertising, misleading domain name, failure to honor cancellations, and failure to disclose a negative option enrollment.[2] The Federal Trade Commission had previously cited Experian for not making clear to consumers they would be charged an annual subscription for signing up. Experian settled this matter without admitting guilt.[3]

In December 2006, the web site guardmycreditfile.org reported that Experian, along with the two other major credit bureaus, had earned a grade of "F" in an appraisal of corporate customer services conducted by a non-profit group called GetHuman. Experian fared worse than the others, however, as it did not even provide customers with their customer service telephone number.^[5]

References

For the Manfred Mann album, see 2006 (album). ... is the 302nd day of the year (303rd in leap years) in the Gregorian calendar. ... MSNBC, a combination of MSN and NBC, is a 24-hour cable news channel in the United States and Canada, and a news website. ... Year 2005 (MMV) was a common year starting on Saturday (link displays full calendar) of the Gregorian calendar. ... is the 130th day of the year (131st in leap years) in the Gregorian calendar. ... For the Manfred Mann album, see 2006 (album). ... is the 302nd day of the year (303rd in leap years) in the Gregorian calendar. ... For the Manfred Mann album, see 2006 (album). ... is the 302nd day of the year (303rd in leap years) in the Gregorian calendar. ... For the Manfred Mann album, see 2006 (album). ... is the 302nd day of the year (303rd in leap years) in the Gregorian calendar. ... Year 2007 (MMVII) is the current year, a common year starting on Monday of the Gregorian calendar and the AD/CE era. ... January 4 is the 4th day of the year in the Gregorian calendar. ...

See also

A credit rating agency (CRA) is a company that assigns credit ratings for issuers of certain types of debt obligations. ... An Intelliscore is a term used in business, for a numerical score granted by Experian to Business as a credit score for the promptness of their payments to creditors. ... Identity taker is a term first appearing in U.S. literature in the 1990s, leading to the drafting of the Identity Theft and Assumption Deterrence Act. ...

External links

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Constituents of the FTSE 100 Index

3i • Alliance & Leicester • Alliance Boots • Anglo American • Antofagasta • Associated British Foods • AstraZeneca • Aviva • BAE Systems • Barclays Bank • Barratt Developments • BG Group • BHP Billiton • BP • Brambles Industries • British Airways • British American Tobacco • British Land • British Sky Broadcasting Group • BT Group • Cadbury Schweppes • Capita Group • Carnival • Centrica • Compass Group • Daily Mail and General Trust • Diageo • Drax Group • DSG International • Enterprise Inns • Experian • Friends Provident • Gallaher Group • GlaxoSmithKline • Hammerson • Hanson • HBOS • Home Retail Group • HSBC • ICAP • Imperial Chemical Industries • Imperial Tobacco • InterContinental Hotels Group • International Power • INVESCO • ITV • J Sainsbury • Johnson Matthey • Kazakhmys • Kelda Group • Kingfisher • Land Securities Group • Legal & General • Liberty International • Lloyds TSB • Lonmin • Man Group • Marks & Spencer • Mitchells and Butlers • Wm Morrison Supermarkets • National Grid • Next • Northern Rock • Old Mutual • Pearson • Persimmon • Prudential • Reckitt Benckiser • Reed Elsevier • Resolution • Reuters • Rexam • Rio Tinto Group • Rolls-Royce plc • Royal & SunAlliance • Royal Bank of Scotland Group • Royal Dutch Shell • SABMiller • The Sage Group • Schroders • Scottish & Newcastle • Scottish & Southern Energy • Severn Trent • Shire Pharmaceuticals Group • Slough Estates • Smith & Nephew • Smiths Group • Standard Chartered Bank • Standard Life • Tate & Lyle • Tesco • Unilever • United Utilities • Vedanta Resources • Vodafone • Whitbread • Wolseley • WPP Group • Xstrata • Yell Group The FTSE 100 Index (pronounced footsie) is a share index of the 100 most highly capitalized companies listed on the London Stock Exchange, begun on January 3, 1984. ... Image File history File links Flag_of_the_United_Kingdom. ... Company Name: 3i PLC Company Logo: Company Type: Public Founded: 1945 Created by a syndicate of several British banks]] Location: [London]], England| Key people: Philip Yea, CEO Baroness Hogg, Chairman Industry = Venture Capital and Private Equity Homepage = [1] 3i Group PLC is a venture capital and private equity firm quoted... Alliance & Leicester plc (LSE: AL.) is an awful British bank, formerly a building society. ... Alliance Boots LTD (LSE: AB.) is a British based pharmaceuticals company, operating as a high street retailer, pharmacist and pharmaceuticals wholesaler. ... Anglo American plc is a world-wide group of companies, originally founded in South Africa as a mining enterprise but now extending into other areas. ... Antifagass plc (LSE: ANTO) is a mining company which specialises in copper. ... This article does not cite any references or sources. ... AstraZeneca PLC (LSE: AZN, NYSE: AZN), is a large Anglo-Swedish pharmaceutical company formed on 6 April 1999 by the merger of Swedish Astra AB and British Zeneca Group. ... For Aviva Incorporated, operating as Aviva Natural Health Solutions, see Aviva Inc. ... BAE Systems plc is the worlds fourth largest defence contractor,[3] the largest in Europe and a commercial aerospace manufacturer. ... Big Building One Churchill Place, Canary Wharf Barclays PLC (LSE: BARC, NYSE: BCS, TYO: 8642 ) is a global financial services provider operating in the UK, Europe, United States, Middle East, Latin America, Australasia, Asia and Africa. ... Barratt Developments plc is one of the largest residential property development companies in the United Kingdom. ... BG Group Plc (LSE: BG.) is an energy production and distribution company which has its headquarters in Reading outside London, England. ... BHP Billiton is the worlds largest mining company. ... This article is about the corporation known as BP. For other uses, see BP (disambiguation). ... Brambles Industries is an Australian-headquarted multinational group of companies specialising in logistics, including waste management, document management, and other logistical issues. ... For the 1930s airline of similar name, see British Airways Ltd. ... British American Tobacco Plc (LSE: BATS, AMEX: BTI) (BTI on the American Stock Exchange) is the third largest cigarette company in the world. ... The British Land Company Plc (LSE: BLND) is one of the largest property development and investment companies in the United Kingdom. ... This article or section does not cite any references or sources. ... BT Group plc (formerly British Telecommunications plc) which trades as BT (pronounced Bee tee) (also previously as British Telecom and is still commonly known as such amongst the general public) is the privatised UK state telecommunications operator. ... Cadbury Schweppes plc (Cadbury Trebor Bassett), (NYSE: CSG) is a confectionery and beverage company with its headquarters in London. ... Capita is a British company headquartered in London which specialises in business process outsourcing, having clients in central and local government, and in the private sector. ... Carnival Corporation & PLC (NYSE: CCL) is the worlds largest cruise operator, comprising 13 cruise brands, including Carnival Cruise Lines, Princess Cruises, Holland America Line, Windstar Cruises and Seabourn Cruise Line in North America; P & O Cruises, Cunard Line, Ocean Village and Swan Hellenic in the United Kingdom; AIDA and... Centrica plc (LSE: CNA) is a large multinational company, based in the UK but also with interests in North America and Europe. ... The British company Compass Group is one of the largest food service businesses in the world. ... Daily Mail and General Trust plc (DMGT) is one of the UKs largest media companies and has interests in national and regional newspapers, television and radio. ... It has been suggested that Diageo Brands be merged into this article or section. ... Eggborough Power Station (Near Drax Power Station)(from the east side) in 2004 Drax is a large coal-fired power station located near Selby in North Yorkshire in Northern England. ... The United Kingdom based company DSG International plc aka DSGi (formerly Dixons Stores Group plc) is one of the largest consumer electronics retailers in Europe. ... Enterprise Inns Plc is a UK leased and tenanted pub company, headquartered in Solihull, West Midlands IN England. ... Friends Provident plc (LSE: FP.) manages a life assurance business in the United Kingdom Friends Provident has been in operation since 1832. ... Gallaher Group is a major British based multinational tobacco company. ... GlaxoSmithKline plc (LSE: GSK NYSE: GSK) is a British based pharmaceutical, biologicals, and healthcare company. ... Hammerson plc (LSE: HMSO) is a major British property development and investment company. ... Hanson plc is a British based international building materials company, headquartered in London. ... Group headquarters on The Mound, Edinburgh HBOS Office at Trinity Road, Halifax HBOS plc (LSE: HBOS) is a banking and insurance group in the United Kingdom, the holding company for Halifax plc and the Governor and Company of the Bank of Scotland. ... The Home Retail Group, formerly Argos Retail Group, is a holding company for the UK retailers Argos, Homebase and the financial services division for both companies, including ARG Financial Services, comprising of ARG Card Services (handling store cards such as the Argos Card), ARG Insurance Services (handling in the store... HSBC Holdings plc (LSE: HSBA, SEHK: 005, NYSE: HBC, Euronext: HSBC, BSX: 1077223879) is one of the largest banking groups in the world, ranked the fifth-largest company in the world in Forbes Global 2000. ... ICAP plc LSE: IAP is a British based inter-dealer stock broker, the largest in the world, carrying out transactions for financial institutions rather than private individuals. ... This article does not cite any references or sources. ... Imperial Tobacco Group PLC (LSE: IMT) is the largest tobacco manufacturer in the UK (the second largest UK based tobacco company by global sales after British American Tobacco). ... InterContinental Hotels Group (IHG) (LSE: IHG NYSE: IHG) is a multinational company which operates several hotel brands. ... International Power plc is a leading independent electricity generating company with 16,642 MW (net) in operation and 1,729 MW (net) under construction. ... AMVESCAP plc (LSE: AVZ, NYSE: AVZ) is an investment management company based in London, England. ... ITV plc (LSE: ITV) is the British media company that operates 11 of the 15 regional television broadcasters that make up the ITV Network, the oldest and largest commercial terrestrial television network in the United Kingdom. ... J Sainsbury plc is the parent company of Sainsburys Supermarkets Ltd, commonly known as Sainsburys, a chain of supermarkets in the United Kingdom. ... Johnson Matthey plc is a British chemical company which has its headquarters near Trafalgar Square in central London. ... Kazakhmys is a copper mining company from Kazakhstan. ... Kelda Group plc (LSE: KEL) is a British utility company. ... Kingfisher plc is a UK high-street retailer formed in 1982 by the buyout of Woolworths by Paternoster Stores Ltd. ... Land Securities Group plc is the largest property company in Europe and the leading British property development and investment company headquartered in central London. ... Legal & General Group Plc is a British based financial services company that provides life, health and other insurance, as well as pensions and investments. ... Liberty International PLC (LSE: LII) is UK property investment and insurance company. ... Lloyds TSB Group plc is a group of financial services companies, based in the United Kingdom, which was created in 1995 following the merger of the TSB Group and the Lloyds Bank Group. ... Lonmin plc(LSE: LMI) was incorporated in the United Kingdom on 13 May 1909 as the London and Rhodesian Mining Company Limited. ... Man Group plc (LSE: EMG) is one of the worlds largest futures contract brokers and a leading global provider of alternative investment products. ... Marks & Spencer plc (sometimes colloquially known also as M&S, Marks and Sparks, Marks or Markss) is a British retailer, with several branches outside of the UK. It is one of the most widely recognised chain stores in the UK and is the largest clothing retailer in the UK... An original Mitchells and Butlers Brewery pub, The Queens Arms, in central Birmingham Mitchells & Butlers plc runs managed pubs, bars and restaurants in over 2,000 outlets. ... This article does not cite any references or sources. ... National Grid plc is a United Kingdom based utilities company which also operates in other countries, principally in the United States. ... Next on Oxford Street Next plc is a British clothes retailer, with its headquarters in Enderby, Leicestershire, England. ... Northern Rock (LSE: NRK) is a British bank based at Regent Centre near Newcastle Upon Tyne in northern England. ... Old Mutual is a South African insurance company. ... Pearson plc LSE: PSON;NYSE: PSO is a London-based media conglomerate. ... Persimmon plc (LSE: PSN) is the largest British housebuilding company by market capitalisation. ... Prudential plc (LSE: PRU, NYSE: PUK) is a United Kingdom-based financial services company. ... Reckitt Benckiser plc is one of the worlds leading manufacturers of cleaning products and a member of the FTSE 100 Index of the largest companies traded on the London Stock Exchange. ... Reed Elsevier is a leading global publisher and information provider. ... Resolution plc (LSE: RSL) is a UK insurance company headquartered in the City of London. ... Reuters Group plc (LSE: RTR and NASDAQ: RTRSY); pron. ... Rexam PLC is a PLC listed on the LSE with headquarters in the UK. Their main businesses are the provision of packaging solutions and the manufacturing of beverage cans. ... Rio Tinto is a multinational mining and resources group founded originally in 1873. ... Rolls-Royce plc is a British aircraft engine maker; the second-largest in the world, behind General Electric Aviation. ... Royal & SunAlliance (LSE: RSA) is a British general insurance company. ... The Royal Bank of Scotland Group plc (Scottish Gaelic: Banca RÃ¬oghail na h-Alba[1]) (LSE: RBS) is a banking and insurance holding company based in Edinburgh, Scotland, UK.[1]. It includes The Royal Bank of Scotland plc (Scottish Gaelic: [2]), founded in 1727 by a Royal Charter of... Royal Dutch Shell PLC is a multinational oil company (oil major) of British and Dutch origins. ... SABMiller (LSE: SAB) is the second largest brewery company in the world by volume, after InBev. ... The Sage Group plc (LSE: SGE) is a leading UK based supplier of accounting, payroll, CRM and business management software (including manufacturing and construction-specific ranges) as well as related services to small and medium-sized enterprises (SME). ... Schroders plc is a British investment management company with its headquarters in the City of London. ... This article or section does not cite any references or sources. ... Scottish & Southern Energy plc (SSE) is an energy company formed in 1998 following a merger of equals between Scottish Hydro-Electric plc and Southern Electric plc. ... Severn Trent plc is a British utility. ... Shire Pharmaceuticals Group plc is a British manufacturer of pharmaceuticals including Adderall XR, Carbatrol, and Fosrenol. ... It has been suggested that this article or section be merged into Slough Trading Estate. ... Smith & Nephew is a British medical devices company headquartered in London and active internationally. ... Smiths Group is a British engineering company involved in wide-ranging speciality engineering. ... Standard Chartered Bank (LSE: STAN, SEHK: 2888) is a British bank headquartered in London with operations in more than fifty countries. ... Standard Life (LSE: SLET) is a major employer in Edinburgh, Scotland, UK with 7,500 employees in Scotlands capital and over 12,000 worldwide. ... A tin of Lyles Golden Syrup Tate & Lyle PLC is a UK based multinational food manufacturer and is listed on the London Stock Exchange under the symbol TATE. It is a major producer of refined sugar, starches, animal feed and other food ingredients with global operations. ... Tesco plc is a UK-based international grocery and general merchandising retail chain. ... Unilever is a widely listed [1] [2] multi-national, formed of Anglo-Dutch parentage, that owns many of the worlds consumer product brands in foods, beverages, cleaning agents and personal care products. ... United Utilities is a British utility company with its headquarters in Warrington which operates mainly in the North West of England. ... Vedanta Resources plc is a diversified and integrated metals and mining group with annual sales of $1. ... Vodafone Group Plc is a mobile network operator headquartered in Newbury, Berkshire, England. ... This article is about the Whitbread company. ... Wolseley plc (LSE: WOS) is a British company which has engaged in a disparate range of activities over its long history. ... // WPP Group plc (LSE: WPP) (NASDAQ: WPPGY), based in London, is one of the worlds largest communications services groups, employing 91,000 people working in over 2,000 offices in 106 countries. ... Xstrata plc is an international mining company. ... Yell Group plc (LSE: YELL) is a British directory company, which is a constituent of the FTSE 100 Index of leading British quoted companies. ...

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