Experian is the company that was created after TRW left the credit reports business in 1996. Experian collects information about you and your credit history from public records, your creditors and other reliable sources. They make your credit history available to your current and prospective creditors and employers as allowed by law, which can expedite your ability to obtain credit and can make offers of credit available to you.
Many credit grantors rely on Experian data exclusively, or they may use Experian credit reports in combination with reports from Equifax and Trans Union, the other two major credit information repositories. Many companies, when deciding whether or not to grant credit to you, use the FICO score - which is a score based on your Experian credit report |