Experian is one of the three largest national credit reporting agencies. Experian's credit-reporting business is regulated by the federal Fair Credit Reporting Act and companion state laws. Experian is also held accountable by various other laws and industry standards as well as consumer expectations.
Each time Experian requests identification information from you, they are required to explain why they are asking and how they will use your information. The Experian online personal credit report service is provided to consumers in accordance with the Fair Credit Reporting Act.
Experian collects information about you and your credit history from public records, your creditors and other reliable sources. Experian makes your credit history available to your current and prospective creditors and employers as allowed by law, which can expedite your ability to obtain credit and can make offers of credit available to you. Experian does not grant or deny credit. To get a copy of your Experian credit report online, click here.
Collection and use of your credit report information
Experian cannot release an individual’s personal credit report without verifying the identity of the requester and ensuring that the requester is the subject of the requested report. Experian requires that you provide them with the requested personal information during the online ordering process to ensure that Experian provides your credit report only to you. Additionally, Experian will ask you several multiple choice questions about your credit history that only you should know. The company cannot deliver your personal credit report online if you do not provide this information or if you provide incorrect information.
Information you provide to Experian in connection with ordering your credit report online can never be shared with any third parties except for audit and legal purposes. Information may be shared with external auditors during routine audits of Experian's systems and operations; and may be disclosed as a result of legal proceedings, such as a subpoena or search warrant. Aggregated statistical data may be used to develop enhancements to this product and other Experian consumer products.
Experian may use data to make changes to their products or services, as deemed necessary to continue to ensure your security and privacy online. If you are unable to order your credit report through this online system, Experian may contact you at the address Experian has on file to assist you in obtaining your credit report in another manner. Experian may also contact any user of this online system for audit and verification purposes in order to comply with laws and regulations governing the credit reporting industry. For example, Experian may institute random mail or telephonic confirmations to ensure that their system is secure.
Experiencing Experian Online
If you want to check your Experian credit report file, you can feel secure knowing that Experian promises to protect your information over the Internet by using a secure web server, which allows your web browser programs (Netscape Navigator/Communicator or Microsoft Internet Explorer) to interact with Experian’s web server via an encrypted session. Experian employs a Secure Sockets Layer (SSL) connection that provides an encrypted connection between your computer and Experian. The 128-bit encrypted connection scrambles ordinary text or data into cyphertext to safeguard your sensitive and private information during its journey across the Internet. The information is decrypted, or put back into a readable format, when it reaches its intended destination, your computer. So your information and your Experian credit report file should remain totally private.
To get a copy of your Experian credit report online, click here.
Here's to your credit!
John Tobin
