Experian Credit Bureaus
The Experian Credit Bureau is one of the three major reporting companies. They keep a credit file about every consumer.
This information is gotten from lines of credit that you have including; credit cards, store credit, cell phone suppliers, banks, credit unions, or mortgage companies. All these companies report your payment history, balance, and other information to the bureaus.
They compile all the information they receive from lenders into a credit report. When you apply for any type of new credit, a lender pays to pull your report. Prospective employers are allowed to pay to see your report, also.
They were founded in 1980 in Nottingham, England. Today, their headquarters are located in Dublin, Ireland, but the company has operational headquarters in Costa Mesa, Calif., and Nottingham, United Kingdom.
It is the newest of the three big agencies, but that does not mean it is not respected. They employ approximately 15,500 people in 38 countries and support clients in more than 65 countries.
The Annual sales for this international company are estimated to be nearly $4.1 billion. They are listed on the London Stock Exchange under the tag EXPN, and are part of the FTSE 100 index.
In order to check your report, you can visit Annual Credit Report and request a free copy. This can only be used once a year. You can also visit Experian to access your report for a fee.
When you check your credit you may find errors. If this is the case, you will need to dispute these errors.
To dispute an error you must create a dispute letter and mail it to them. In your letter you will provide an reason as to why the mark is wrong.
Reasons include; not my account, out of date, information is wrong, and etc. Its very important to know that getting an error corrected can be very time consuming and cumbersome.
This is why many people end up hiring a service to dispute errors on their report. Additionally it can be very frustrating trying to get a bureau to investigate a dispute.
The Fair Credit Reporting Act gives consumers the right to dispute any questionable item on their report.
Contrary to popular belief it is not illegal to dispute an accurate mark on your credit. You will not face arrest, or fine. It is your government protected right to dispute any item on your report.
This information is gotten from lines of credit that you have including; credit cards, store credit, cell phone suppliers, banks, credit unions, or mortgage companies. All these companies report your payment history, balance, and other information to the bureaus.
They compile all the information they receive from lenders into a credit report. When you apply for any type of new credit, a lender pays to pull your report. Prospective employers are allowed to pay to see your report, also.
They were founded in 1980 in Nottingham, England. Today, their headquarters are located in Dublin, Ireland, but the company has operational headquarters in Costa Mesa, Calif., and Nottingham, United Kingdom.
It is the newest of the three big agencies, but that does not mean it is not respected. They employ approximately 15,500 people in 38 countries and support clients in more than 65 countries.
The Annual sales for this international company are estimated to be nearly $4.1 billion. They are listed on the London Stock Exchange under the tag EXPN, and are part of the FTSE 100 index.
In order to check your report, you can visit Annual Credit Report and request a free copy. This can only be used once a year. You can also visit Experian to access your report for a fee.
When you check your credit you may find errors. If this is the case, you will need to dispute these errors.
To dispute an error you must create a dispute letter and mail it to them. In your letter you will provide an reason as to why the mark is wrong.
Reasons include; not my account, out of date, information is wrong, and etc. Its very important to know that getting an error corrected can be very time consuming and cumbersome.
This is why many people end up hiring a service to dispute errors on their report. Additionally it can be very frustrating trying to get a bureau to investigate a dispute.
The Fair Credit Reporting Act gives consumers the right to dispute any questionable item on their report.
Contrary to popular belief it is not illegal to dispute an accurate mark on your credit. You will not face arrest, or fine. It is your government protected right to dispute any item on your report.
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posted by Debt Consolidation Loan at
6:33 AM
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