Experian is a company credit card information that is British. In the mid-1990 ‘s have entered the u.s. market. when they bought TRW Information Systems. Here is some additional information about them and how to file a dispute of Experian, if you need to do so.
To explain exactly what is Experian, it’s easier to explain what they do. When you apply for a loan, whether it’s a credit card, car loan or mortgage, the place where you’re applying will request a report on your credit history. Experian, along with TranUnion and Equifax are the three largest companies that collect information for these reports. Some lenders are only using one of them while others will use two or all three. These three companies to tax financial institutions to these reports. This is quite different even 20 or 30 years ago when you went to get a loan. It used to be that local banks kept records on their customers, but have no access to any other information. Now any instution financial worldwide can access credit history.
The information contained in these reports help you to determine if you are eligible for a loan and the interest rate that you will have to pay the loan. You may have seen advertisements for free credit reports or credit Scores free. These are companies that also provide those relationships. Understand that most of these deals only give you a free report after you sign up for some kind of paid service.
You may obtain a copy of your credit report directly from Experian by contacting them. Their fee is currently $ 15 for this report and will be mailed to you. It’s not a bad idea to get a copy of your credit report every year or two to see if there is something that does not belong. If you see something that is incorrect, you can file a dispute. It’s a good idea to file a dispute on anything that is even slightly questionable on your credit report. Remember that have little credit will cost you more interest when you get a loan or even in some cases to keep from getting approved for a loan. An Experian dispute is quite easy and simple. Go to their website and find the link to the controversy. Then follow the instructions.