March 21, 2008, Newsletter Issue #132: Experian Credit

Tip of the Week

Experian North America
With approximately 30 years of experience and more than 30,000 clients in North America, Experian combines our unsurpassed data with the knowledge, expertise and creativity to help companies build successful relationships with their customers. Experian also provides U.S. consumers with the tools and services to help them understand, manage and protect their personal credit profiles.

Credit Services
The Experian credit bureau offers value-added solutions to help our clients optimize their processes in targeting, acquiring, managing and maximizing interactions with their customers. These solutions enable clients to profitably grow customer relationships using Experian's information assets and expertise in risk management and credit marketing. Many of Credit Services' products and solutions are regulated by the Fair Credit Reporting Act, which protects consumers' rights by limiting access to their credit reports.

Marketing Services
Marketing Services focuses on helping clients communicate effectively with their customers through multiple channels and measuring the effectiveness of those communications. Information, data management, insight and delivery solutions power smarter direct-marketing strategies and deliver true customer connections for marketers in the catalog, retail, financial services, nonprofit, media, consumer products, mid-tier/reseller and other sectors.

Experian Automotive
Experian Automotive delivers information solutions to manufacturers, dealers, finance and insurance companies, and consumers. Experian helps automotive clients increase customer loyalty, target and win new business, and make better lending and vehicle purchase decisions. Its National Vehicle Database, housing more than 450 million vehicles, along with Experian's credit, consumer and business information assets, meets the industry's growing demand for an integrated information source. The National Vehicle Database contains title and registration data including vehicle identification number, title and transfer, registration and renewal, specs, brand, and name and address from a variety of public and proprietary sources in all 50 states; Washington, D.C.; Puerto Rico; and Canada. Experian's advanced decision support services help clients turn this information into improved business results.

Experian Consumer Direct
Experian Consumer Direct offers consumers quick, easy and inexpensive access to their credit histories to help them better manage their financial lives. The division was created in 2002 when Experian combined CreditExpert, its consumer credit management group, with, the largest provider of online credit reports and other credit-related information to consumers. Experian Consumer Direct's Internet properties, which include,,,, along with co-branded partner sites, receive more than 10 million visitors monthly. In 1996, it was the first U.S. company to offer consumers online access to credit reports, and it went on to pioneer online delivery of three-bureau credit reports and lender-style credit scores. Its innovative three-bureau report provides consumers access to their complete credit history from their Equifax, Experian and TransUnion files in seconds. The company delivered more than 2.7 million credit scores in 2003 and currently, more than 2 million members belong to its credit monitoring service. Experian Consumer Direct enjoys prominent co-branded partnerships with companies such as Yahoo!, MSN, EarthLink, LendingTree, Quicken, E-LOAN, and AOL.

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