Experian has only been around since 1980 as a data collection company founded by John Peace in Nottingham, England as CCN systems, an information services business owned by GUS plc. The company was formed to collect information on people, businesses, motor vehicles and insurance. It also collects ‘lifestyle’ data from on- and off-line […]

Popularity: 33% [?]

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Most financial institutions already are signed up for services from Experian, Equifax or TransUnion to know if you default on another credit card accounts. There have been numerous articles about how when you default on your Chase credit card account your name goes on the “credit card blacklist” and then Citibank […]

Popularity: 29% [?]

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Under the FACT Act which passed in 2003, if a consumer pulls their annual free credit report to which they are entitled once a year, the credit bureaus have 45 days to investigate disputes rather than 30 days. Apparently, since it doesn’t specify which kind of time frame this can happen, it means FOREVER.
This […]

Popularity: 8% [?]

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I received the initial letter on 2/18/08, but this played out nicely and thought I would share as it is a good reason why the consumer should NEVER roll over to a collection agency.
I’ve posted all the updates.
“Three years ago I switched cell phone providers. I am fairly sure I settled up with the old […]

Popularity: 13% [?]

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Dennis v. BEH-1, LLC, 2007 WL 2769650 (9th Cir. Sept. 25, 2007)
Basically, the defendant, Dennis, had Experian report that a judgment had been entered against him, when in fact, although a complaint had been filed, the judgment was dismissed. The defendant had submitted documents proving this, and also requested that the credit bureaus check […]

Popularity: 6% [?]

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Did you know Experian is marketing an automobile score based on title history of the car? Supposedly they have a model that looks at the title history and filters it down to a numerical score.
If it is anything like their credit or insurance scores, it’s a joke. Don’t waste your money. A simple lemon-check from […]

Popularity: 4% [?]

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I wrote about my impression on the Super Commercial for lifelock - it seems that other people than me were even less impressed….
http://creditchoices.net/wordpress/2008/02/lifelock-what-a-little-press-can-buy-you/
A quote from the article…
Credit bureau Experian is suing the identity theft prevention firm LifeLock, accusing it of deception and fraud in its familiar advertising campaign, which includes a spot in which CEO […]

Popularity: 5% [?]

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