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Who We Are is part of a family of online consumer credit reporting sites belonging to, Inc. and is America's #1 provider of online Credit Reports. Experian acquired in 2002.

As an Experian® company, is dedicated to giving our members the information and resources they need to stay on top of their credit. Take a minute to explore the information on this page and you'll quickly see why millions of Americans use the credit knowledge we provide to help them reach their financial goals sooner.

About Experian®
About Experian®

Experian® is a global leader in providing information, analytical tools and marketing services to organizations and consumers to help manage the risk and reward of commercial and financial decisions. Using our comprehensive understanding of individuals, markets and economies, we help organizations find, develop and manage customer relationships to make their businesses more profitable.

Experian promotes greater financial health and opportunity among consumers by enabling them to understand, manage and protect their personal information, helping them control financial aspects of key life events, and make the most advantageous financial and purchasing decisions.

Company Timeline
Company Timeline
To better understand who we are, it helps to know where we came from.
Ed Ojdana, a CFA and engineer from Washington State, begins developing plans to provide U.S. consumers with easy access to their credit report in a way they could easily understand their credit score.
1996, officially begins business, incorporating a strong emphasis on the benefits of consumer credit education, which remains a core driving force of the company today.
1999 creates the URL as a consumer Web site to supply consumers with the first instant online access to credit reports and scores, instead of through postal delivery., an online marketing solutions company specializing in providing consumers with exclusive discount and savings opportunities, acquires
2001, an online real estate listings service, acquires from
Experian® acquires from and combines it with CreditExpert, its consumer credit management group to form Experian Consumer Direct.
Triple AdvantageSM Credit Monitoring, an industry first, is introduced to offer members automatic daily monitoring of their three bureau credit reports. introduces the PLUS Score®, an educational score model referring to the numerical representation of a person's credit worthiness and how that affects future purchasing decisions.
Experian Consumer Direct opens 52,000 square-foot US based Customer Care Center and becomes one of the area's largest employers, furthering its commitment to supplying members with immediate answers to their credit-related concerns.
Experian Consumer Direct launches Credit Score Tracker in partnership with Discover to provide alerts to consumers when there are substantial changes to their CreditScore

Experian Consumer Direct launches ChildSecure which monitors a child's personal information for existence of a credit file
Experian Consumer Direct launches CardSafe, a product designed to reimburse members for unauthorized charges that they incur as a direct result of lost or stolen Credit, Debit or ATM cards and for which your card issuers holds you liable.

Experian Consumer Direct launches, an extended warranty product that allows members to cover multiple products for up to 4 years for one low monthly price. introduces a dedicated website to enhance its mobile feature, offering members easy reading and accessibility via advanced mobile devices.

Sometimes, it's okay to let other people do your talking for you, especially when they're saying such nice things.

" has taught me how to track my credit -- to use my credit to my advantage."
- Julie from Chicago

" helped me learn the positive and negative aspects of my credit. Things like what lenders were looking at when they review an application. It was really a helpful tool. There is a lot of value (in the membership) and it gave me peace of mind."
- Kate from Chicago