Experian Free Credit Report
Experian is one of the three main credit bureaus that also include TransUnion and Equifax. Like the other major credit reporting bureaus, Experian is chiefly regulated in the United States by the Fair Credit Reporting Act. The Fair and Accurate Credit Transactions Act, signed into law in 2003, amended the FCRA to require the credit reporting companies to provide consumers with one free copy of their credit report per 12 month period. Like its main competitors, TransUnion and Equifax, Experian markets credit reports directly to consumers. Experian heavily markets its for-profit credit reporting service, FreeCreditReport.com. However, if you are interested in your Experian Free Credit Report, then you can obtain it through our GoFreeCredit partner at Free Annual Credit Report.
Experian handles its credit disputes in its National Consumer Assistance Center (NCAC) in Allen, Texas. You may contact the NCAC once you have a copy of your personal credit report by calling the number that is located on the Experian Free Credit Report itself. Experian announced that it would be opening a second NCAC in Santiago, Chile during the summer of 2007. Many divisions of the Allen NCAC will be relocated to the Chile location.
Experian provides regional data at nationalscoreindex.com which shows average credit scores by region and zipcode as well as various other measures of household debt. The site does not indicate if it uses a FICO based credit score, the new VantageScore, or some other scoring model.
In addition to its own site, Experian also runs the https://www.annualcreditreport.com/cra/index.jsp along with Transunion and Equifax, which is the official Government Credit Reporting site.
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