The Experian Credit Bureau is one of the three major reporting companies. They keep a credit file about every consumer.
They receive this information from banks and credit lines 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.
They gather all the data they receive from lenders into a credit report. When you apply for a new credit line, a lender pays to pull your report. Prospective employers are allowed to pay to see your report, also.
In 1980 they were founded 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 youngest of the three big agencies, but that doesn't mean it is not well 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 report you may find errors. If this is the case, you must 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 explanation as to why the mark is in incorrect.
Reasons include; not my account, out of date, information is wrong, and etc.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 to get the credit bureaus to investigate a dispute.
The Fair Credit Reporting Act gives consumers the government protected right to dispute any questionable item on their report. A questionable item is defined as any item you can not identify.
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.
They receive this information from banks and credit lines 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.
They gather all the data they receive from lenders into a credit report. When you apply for a new credit line, a lender pays to pull your report. Prospective employers are allowed to pay to see your report, also.
In 1980 they were founded 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 youngest of the three big agencies, but that doesn't mean it is not well 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 report you may find errors. If this is the case, you must 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 explanation as to why the mark is in incorrect.
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 to get the credit bureaus to investigate a dispute.
The Fair Credit Reporting Act gives consumers the government protected right to dispute any questionable item on their report. A questionable item is defined as any item you can not identify.
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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