Our Interactive business provides credit monitoring and other information services to millions of consumers via the internet. We enable consumers to monitor the accuracy of their credit report online, check their credit score and protect against identity theft. We also help consumers to make more informed decisions when purchasing products and services online.
Credit monitoring and identity theft protection
Experian provides consumers with secure, unlimited online access to their complete credit history in return for a regular monthly subscription. The service allows them to see the same information that lenders use when deciding whether to offer a loan or credit card, including their current credit score. Email or text alerts keep them informed about any significant changes to their credit report. Our subscribers also receive information that helps them manage their credit commitments and are able to seek advice from our credit reference specialists.
Experian is the market leader in this field, both in the US and UK, delivering more than 500,000 credit reports to consumers each month. In the US, access is via the websites freecreditscore.com and CreditReport.com, and in the UK via CreditExpert.co.uk.
We also help consumers guard against the growing problem of identity theft with ProtectMyID, our identity protection service. It is estimated that about ten million Americans fall victim each year to identity theft, which is now also one of the fastest growing crimes in the UK.
Experian’s ProtectMyID service includes internet scanning of subscribers’ debit or credit card numbers and the monitoring of address change notifications. We also protect the personal information of children by checking for signs of suspicious activity, such as someone applying for credit or opening accounts in their names. In the event of fraud, we provide access to a dedicated identity theft resolution agent, together with insurance against financial loss.
Experian partners with many of the leading online brands to bring our credit monitoring services to the widest possible audience, including MSN, Yahoo! and AOL. Major financial services organisations, such as American Express and Discover Card, also offer our services to their customers.
Connecting consumers to businesses over the internet
Experian is a trusted intermediary on the internet, helping consumers to find the most appropriate financial services provider or online educational programme, together with the best deal on millions of consumer products. Our Interactive websites provide this service at no cost to consumers and generate their income from the leads provided to our clients.
LowerMyBills.com connects consumers looking for a home loan, credit card or insurance with companies best suited to their needs. ClassesUSA provides professional adults with access to online educational opportunities, with more than five million people visiting its website each month.
PriceGrabber.com is a leader in online comparison shopping, providing consumers with unbiased information on products, services and merchants to help them make the right choice. It has 25 million active users worldwide.