Experian Credit is an international credit information company. It is functional in more than 60 countries all over the world. The biggest functional division of the company, Experian North America ranks among the top three credit bureaus in the United States.
Incorporation of Experian Credit
Experian Credit was incorporated in the year 1980 and at the time of its inception, it was known as Information Services Company.
About Experian Credit
Experian Credit gathers data on commercial enterprises, individual customers, insurance and automobiles, as well as information on standard of living from a variety of offline and online reviews. Availability of the majority of information maintained under Experian is a matter of rules and regulations and it varies according to the rules in the country where it is functional. Experian sells the credit reports to the clients directly.
The credit report business of Experian in the United States was purchased from TRW in the year 1995. In the United States, Experian is principally governed by the Fair Credit Reporting Act (FCRA).
The corporate headquarters of Experian Credit are located in Dublin, Ireland and the operational headquarters of Experian Credit are based in Costa Mesa in California (United States) and Nottingham (United Kingdom).
The common stock of Experian Credit is traded on the London Stock Exchange (LSE) under the ticker symbol EXPN.
In the month of October 2006, there was a demerger of Experian Credit from GUS, which is its holding company. GUS plc is a reputed british retail and commercial services conglomerate. The company formed as the result of the demerger is known as Experian Group Limited and it forms a component of the FTSE Index. Currently, Experian Group Limited is functioning independently. Its business division,
Experian North America functions in the form of a consumer credit reporting agency.
With its functional expertise, Experian Credit has transformed itself to a world leader in credit reporting services.
At present, the CEO (Chief Executive Officer) of Experian Group Limited is Don Robert and chairman of the company is John Peace.
Services Provided by Experian Credit Group
The services offered by Experian Credit can be categorized into four main types and they are the following:
- Marketing Services
- Decision Analytics
- Credit Services
- Interactive Services
Experian Credit carries out its operations with the help of around 15,500 employees in 36 countries and the client base of the company is spread out in over 65 countries of the world.
Global Operations of Experian Credit
Besides the United States, the services of Experian Credit are available in the majority of European nations, brazil, Argentina, China, Chile, South Africa, Australia and Japan.
Competitors of Experian Credit
The principal competitors of Experian Credit are the following:
Clients of Experian Credit
Some of the important clients of Experian Credit are the following:
- Bank of America
- American Express
- Barclays
- Barclaycard
- BNP Paribas
- BMW Financial Services
- Capital One
- Boots
- Citicard
- CarMax
- Crate and Barrel
- Coors brewers UK
- Crédit Agricole
- Commerzbank
- Dell
- Debenhams
- Crédit Lyonnais
- eBay
- Discover
- Egg
- Ford
- First American
- Household
- Hilton International
- HBOS
- France Telecom
- IBM
- HSBC
- JCB
- ICICI
- Kookmin Bank
- Kohl's
- Lloyds TSB
- Lego
- Morgan Stanley
- Marks & Spencer
- Next
- National Australia Bank
- Procter & Gamble
- Orange
- Siebel
- Royal Mail
- Somerfield
- Société Générale
- Tesco
- Staples
- UNICEF
- Toyota
- Washington Mutual
- Visa
- Yahoo!
- Westpac
Contact Details:
Corporate headquarters
Experian Group Limited
Newenham House
Northern Cross
Malahide Road
Dublin 17
Ireland
Tel: 353 (0) 1 846 9100
Fax: 353 (0) 1 846 9150