Experian: Here’s what you need to know
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When you think about your credit reports, do you stop and think about who manages these documents? Perhaps one of the most well-known credit reporting agencies (CRAs) is Experian (There are three major CRAs — the other two are Equifax and TransUnion.) Here are a few facts you need to know about Experian to help you understand one of the major companies managing your credit reports.

Experian at a Glance

  • Headquarters: Experian PLC, Newenham House, Northern Cross, Malahide Road, Dublin 17, D17 AY61, Ireland
  • History: Incorporated as an independent company and listed on the London Stock Exchange in 2006, Experian’s roots actually go all the way back to 1826.
  • Market Cap: ‎£16.49bn (UK Pound GBX)
  • Number of Consumer Records: 220 million in the U.S.
  • Total Number of Employees: 16,500 people in 39 countries
  • CEO: Brian Cassin
  • Consumer Services Offered: Experian also offers quite a few consumer products that are broken down into the following: CreditWorks℠ Basic, CreditWorks℠ Premium, 3-Bureau Credit Report and FICO® Scores, IdentityWorks℠ Plus, and IdentityWorks℠ Premium. These products range from identity theft protection to being able to monitor your credit reports and scores on the regular and more.
  • Business Services Offered: Experian offers a vast array of services for businesses both large and small. These services include the ability to purchase your business credit score, find products to market your business, analyze risk management, and more. For more information, here’s a breakdown of what Experian sells to small businesses and here’s a breakdown of what Experian sells to businesses in general.

Five Facts You Should Know About Experian

1. Experian Reports on People and Businesses

Credit reports aren’t just for consumers — they’re also created for businesses. Given the fact that credit reports were designed to help financial institutions assess lending risk, it only makes sense that this service would extend beyond lending to people to lending to businesses as well.

So, how active is Experian’s credit reporting business? Very. Currently, Experian reports on more than 220 million people and 40 million business in the United States alone. Its sales in North America have reached $2 billion.

2. Experian Is a Global Brand

That doesn’t mean Experian is solely based in the U.S., however. Experian also offers custom services to develop international profiles. In addition, Experian has offices in 39 countries around the world, with headquarters in Southern California and Dublin.

Although credit reports are the name of the game as far as individual consumers are concerned, the real business here is data. Experian outlines its four principal business groups as follows: Credit Services, Decision Analytics, Marketing Services, and Consumer Services.

3. Experian Sells Products to Consumers and Businesses

As you can see from the core business groups listed above, Experian sells quite a few services to businesses, but they don’t stop there. Consumers can also purchase products from Experian that are designed to help them better manage their credit.

Through Experian, you can purchase your credit scores, identity theft monitoring, credit lock, and more.

(It’s important to note, however, that you can always freeze your credit for free via each of the CRAs’ websites.)

Experian also offers free products, such as a free dark web scan and a free child ID theft scan.

4. Experian Actively Promotes Financial Literacy

One thing Experian has focused on in a big way in recent years is promoting financial literacy. Consumers can find extensive information about credit via Experian’s content, and can even ask Experian questions weekly on Twitter using the hashtag #CreditChat.

5. Experian Is a Large U.S. Employer

Since Experian runs a large business, it should come as no surprise that it’s also a large employer. In the United States alone more than 7,000 employees call Experian their home. And with a headquarters in Orange County, the location is ideal for beach lovers who also happen to have a knack for financial services or data analytics.

Worried there might be errors on your credit report? Use Upturn Credit’s FREE tool to find credit report errors on your TransUnion credit report!

How You Can Contact Experian About Your Credit Report

Need to contact Experian? There are various ways to do so.

If you’ve found a mistake on your credit report from Experian, you can dispute it online using this link — or by mail by sending this form to the following address:

P.O. Box 4500
Allen, TX 75013

Once you’ve sent in your dispute, you can check the status online by signing into your profile if you created one or by using this link. If you prefer to speak to a human, you can call Experian at 1-888-EXPERIAN.

Get the facts: Here’s everything you need to know about credit scores and credit reports.