About Us

About Us

Founded in 1996, Experian serves as a multinational data analytics and consumer credit reporting company. The company has a presence in over 100 countries with main headquarter in Dublin Ireland and operational headquarters in Costa Mesa, California, USA and Nottingham, UK. Experian’s main goal is to drive financial inclusion and help facilitate access to fair and low-cost credit to consumers.

As being one of the leading global information service company, Experian plays an important role in gathering information and analyzing credit details on individuals and businesses in the financial industry. The company also serves the consumers as well as clients to manage their data during life events such as purchasing a home or car, sending a child to school or college, or expanding a business by getting in touch with new customers. It collects the data from other sources which include credit card companies, banks and financial intuitions. This data is used to create credit reports and credit scores, where lenders use to assess the creditworthiness of individuals and business before making any lending decisions. For Better decisions making and the best business outcomes Experian provides unrivaled data, analytics and technology to drive functional excellence. Beside data and analytical services, Experian also provides services such as marketing service, fraud prevention, identity verification, and decision analytics. The company objective is to solve problems in multiple industries, serving clients in finance, healthcare, retail, communication and much more.

What does Experian do?

As a global information service company, Experian provides data, analytics and technology solutions to businesses and solutions. Here we mention the roles of what exactly Experian do:
  • Risk Management : By providing comprehensive credit details and analytics Experian helps to manage the risks of the business.
  • Decision-Making Support : Experian offers a service of data and analytical tools which support businesses in making data-driven decisions. It also includes the tools for customer acquisition, portfolio management, market optimization and fraud detection
  • Identity protection : Experian plays an important role regarding identity protection as well as fraud prevention. Ensuring the security of personal and financial information the company assists individuals and businesses to detect and mitigate identity theft.
  • Consumer Empowerment : The services such as credit reports and monitoring, to grant individuals to understand and manage the credit profiles are offered by Experian to the consumers. These services will allow consumers to take control of their financial health and also contribute to financial literacy
  • Financial Inclusion : The aim of the Experian is to promote financial inclusion by providing access to credit for individuals as well as businesses. Experian contributes to create an inclusive financial landscape by accurate credit reporting and scoring.
  • Innovation and Technology : Experian focuses on growing innovative technologies which include big data analytics and artificial intelligence to enhance its service. To provide cutting edge solutions to the clients the company is developing the technology advancements day by day.
  • Global reach : As we know that Experian operates globally, serving clients across various industries and regions. The company also focuses to provide consistent, reliable, and relevant information services on a global scale.
  • Compliance and Responsible Data use : Ensuring the responsible use of consumer data Experian is committed to operate within legal and regulatory frameworks. The key aspect of Experian’s operation is compliance with data protection and privacy laws
  • Customer value : Experian strives to deliver value to its clients by offering one stop solution to meet their specific needs. The main goal of Experian’s business strategy is customer satisfaction and the creation of long term partnerships.

What are the issues that the consumers have to face using Experian service

While Experian provides beneficial services, the consumers have to face certain challenges when using Experian service: Some of the common concerns are listed below:
  • Accuracy of information : The consumers may face issues regarding inaccuracies in their credit report or other information which is provided by Experian. Significant consequences on credit scores and financial decisions are involved in errors.
  • Fraud concerns : An authorized access to a consumer’s information could lead to fraudulent activities. If any suspicious activity is found then contact the Experian customer support.
  • Data Breaches : Information security is very important. If there are any data breaches at Experian it could lead to exposing consumer sensitive information. Although Experian takes measures to secure data, breaches are a concern in the broader context of cyber securities.
  • Challenges in correcting errors : Sometimes correcting inaccuracies on a credit score can be a confusing and time consuming process. Consumers have to face difficulties while disputing information and correcting it so it’s better to get connected to Experian customer care and seek help from them.
  • Access to Free Annual Credit Reports : Sometimes the consumers have to face the challenges while accessing information to free annual credit reports from each of the credit reporting agencies, including Experian.
  • Subscription and Monitoring costs : Sometimes the consumers may find the cost of subscription services to be a financial burden so they have to understand the terms and conditions along with the cost associated with additional services.
  • Understanding Credit Scores : The consumers can be confused when it comes to understanding the credit scores and how certain financial behaviors impact their creditworthiness.