Important Notice: If you’re trying to get a free Experian credit report as part of your annual free credit report then read this.
Experian is one of the 3 major credit bureaus and provides information, analytical tools and marketing services to organizations and consumers that help manage the risk and reward of commercial and financial decisions. The other two national credit reporting agencies are Equifax and TransUnion
Experian was founded in 1996, and has headquarters in Costa Mesa, California, & in Nottingham, UK. The company employs around 15,500 people in 36 countries, supporting clients in more than 65 countries.
For consumers, Experian offers mainly services of maintaining their credit history files, providing means of viewing them, and should the need arise – dispute them.
Although Experian provides credit reports, credit scores and credit monitoring – these services are not free of charge.
The government, trough the Fact Act made it possible for everyone to receive a free copy of their credit report from each of the three major credit bureaus.
The only way to obtain these 3 free credit reports is through a central Annual Credit Report Request Service that the three credit bureaus have set up.
Several scenarios entitle you to an Experian free credit report in addition to your free government credit report. These include being declined credit, unemployed and looking for a job, a victim of identity theft and a few more cases.
Only when these conditions are met – you should contact Experian directly. See how and when to get additional free credit report for more information.
Experian credit bureau contact information:
P.O. Box 2104
Allen, TX, 75013