Encouraging Signs of Recovery in Experian’s 2012 State of Credit Report

Posted on Sep 20 2012 by

Everyone seems to be keeping a closer eye on their finances these days and more people are becoming aware of how important it is to know what your credit report looks like.

In the recently released Experian 2012 State of Credit report, we found that the national average credit score is currently 750, which is up one point from 2011.

We also crunched some numbers in more than 100 cities throughout the country and ranked the top 10 and bottom 10 cities according to credit score.


22 Frugal Tips from Your Favorite Personal Finance Writers

Posted on Sep 18 2012 by

Do you love saving money?

And are you looking for even more ways to keep more money in the bank?

Experian knows the importance of this in every person’s financial health.

So, as part of our overall commitment to financial literacy and in conjunction with our just released annual State of Credit report, we contacted some of our favorite personal finance writers and asked them to share one of their favorite ways to save money.

Check out these frugal-living tips:


7 Stubborn Credit Score Myths and Misconceptions Debunked

Posted on Sep 17 2012 by

A credit report is like a report card that provides lenders insight into how you use credit.

If you’re paying debts on time and keeping debts low on credit accounts, you’re building a great credit history that will help you earn lower interest rates on loans and will help you in a variety of other ways, too.

There are many myths going around about what hurts or improves your credit scores.

Here is a list of seven popular myths about credit scores and credit reports you should know about:


What You Should Know About Credit Repair Companies

Posted on Sep 13 2012 by

Unfortunately, many people have received poor credit advice and been taken advantage from credit repair companies. Many people don’t realize that there isn’t anything that a credit repair service is able to legally do for you that you can’t do yourself for little or no expense.


Experian Automotive: Midrange Cars are Top-Selling Segment; Toyota Camry Top Vehicle

Posted on Sep 11 2012 by

Experian Automotive today announced that midrange cars were the highest-selling vehicle segment in the first half of 2012, according to its latest vehicle registration analysis.

The analysis also showed that the Toyota Camry topped the list of best-selling vehicles for the first half, with the Ford F-150 coming in a close second. In the first half of 2011, the F-150 was the best-selling vehicle, with the Camry coming in second.


Subprime Auto Loans in Q2 2012 Exceeded Prerecession Levels

Posted on Sep 04 2012 by

Experian Automotive today announced that loans to customers in the nonprime, subprime and deep-subprime risk tiers accounted for more than one in four new vehicle loans in Q2 2012.


Experian Marketing Services Finds Email Volume Increased 10 percent in Q2 2012

Posted on Aug 30 2012 by

Experian Marketing Services showed that email volume has increased 10 percent in Q2 2012 versus Q2 2011 according to the Experian® CheetahMail® 2012 Q2 email benchmark report. Experian CheetahMail also found that total open rates increased 1.5 percent in Q2 2012 versus Q2 2011.


Top 10 “Comfortable” Cities Buying the Most Sweats

Posted on Aug 29 2012 by

While the runways boast couture and fashions that you rarely see walking down the street, some of the top cities in the U.S. are keeping comfortable in their sweats. For the second year in a row, the nation’s top per capita consumer of sweats is Philadelphia, PA while New York was seventh, Los Angeles ranked eighth, and Chicago was twentieth.


Experian Marketing Services Pinpoints Rising Social Network Sites in New Study – Instagram and Pinterest Lead the Pack

Posted on Aug 11 2012 by

According to a new study by Experian Marketing Services, niche social networks significantly increased their market share of all visits to social sites, with Instagram and Pinterest leading the pack.

The following graph illustrates the global growth between July 2011 and July 2012, based on share of visits to all sites by country:

Other niche social networks that have experienced significant gain include Stock Twits in the US, Redidt in Australia, and FanPop in the UK.


Highlights From Experian Marketing Services’ Digital Summit

Posted on Jul 27 2012 by

Experian Marketing Services is hosting its annual Digital Summit (today through Friday) at the Venetian Hotel in Las Vegas.

This premier digital marketing event, with the theme, “Customer Obsession: Empowering Meaningful Relationships,” features highly engaging and inspiring learning sessions, providing marketers with key insights and best practices for keeping their customers at the heart and center of everything they do.


Experian’s Precise ID Platform Achieves Assurance Level 3 FICAM Recognition for Identity Proofing

Posted on Jul 27 2012 by

Experian®, the leading global information services company, today announced that its Precise ID platform has achieved Federal Identity Credential Access Management (FICAM) recognition at Assurance Level 3 for identity proofing.


How to Dispute Credit Report Information

Posted on Jul 25 2012 by

As 2014 nears an end it’s a good time for us all to start thinking about what we are going to do to keep our finances in good shape and moving along into 2015.

At Experian, we are here to help you. During the coming weeks and months we will be providing more educational blogs, videos and Twitter #creditchats that will help you proactively manage, build and improve your credit.

So let’s get started with one of the most common questions people ask me:

How do I dispute information that I believe is being reported inaccurately?


Experian Automotive Market Trends Report Shows Recovery by Toyota and Honda

Posted on Jul 24 2012 by

According to the Experian Automotive industry market trends and loyalty report, Toyota finished third in overall corporate loyalty, with 45.7 percent of their customers who returned to market during Q1 2012 purchasing or leasing another Toyota vehicle. Toyota’s corporate loyalty ranking had dropped to 41.8 percent in Q2 2011, the first full quarter after the earthquake and tsunami. Honda’s corporate loyalty was 42.1 percent in Q1 2012, after falling to 36.4 percent in Q3 2011.


Experian and the CFPB – Both Committed to Helping Consumers

Posted on Jul 16 2012 by

“Today, the CFPB announced a final rule addressing its role in supervising certain credit reporting agencies, including Experian and others that are large market participants in the industry.

During a field hearing in Detroit, CFPB Director Richard Cordray’s spoke about a new regulatory focus on the accuracy of the information received by the credit reporting companies, the role they play in assembling and maintaining that information, and the process available to consumers for correcting errors. We look forward to working with CFPB on these important priorities.


Experian’s View of the Consumer Financial Protection Bureau

Posted on Jul 12 2012 by

The Consumer Financial Protection Bureau is coming up on its one year anniversary, and the questions still persist around what it means for credit reporting agencies and other providers of data to the financial services industry. One major focal point has been the agency’s “new” authority to supervise and examine large market participants, like Experian.


The Most-Overlooked Financial Planning Tool That’s Free to Everyone

Posted on Jul 12 2012 by

What did you do with that envelope that used to arrive once a year with estimates of your future Social Security benefits? You might have reviewed the information. You may have even filed the statement away as a reference. Now, this powerful financial planning tool is as close as the nearest computer.


One Million People Go Online to Access Their Social Security Statement

Posted on Jul 03 2012 by

The Social Security Administration recently announced that in less than two months’ time, one million people have gone online, created a My Social Security account and viewed their Social Security Statement.


Experian Automotive to Provide National Motor Vehicle Title Information Systems (NMVTIS) Reports to California Auto Dealers

Posted on Jul 02 2012 by

Experian Automotive today announced that it will offer National Motor Vehicle Title Information Systems (NMVTIS) Reports to California auto dealers, enabling them to stay in compliance with new government regulations.


Experian Marketing Services Reports Google Share of Searches at 65% in May 2012

Posted on Jun 29 2012 by

Experian Marketing Services’ Hitwise® announced today that Google accounted for 65.02 percent of all U.S. searches conducted in the four weeks ending June 2, 2012.

The combined Bing-powered search comprised 28.12 percent of searches for the month, with Yahoo! Search and Bing receiving 14.95 percent and 13.17 percent, respectively. The remaining 65 search engines in the Hitwise Search Engine Analysis report accounted for 6.86 percent of U.S. searches.


Congress Looks at Removing Paid or Settled Medical Debt from Credit Reports

Posted on Jun 28 2012 by

Last year, Rep. Heath Shuler (D-NC) introduced the Medical Debt Resolution Act (H.R. 2086), which would amend the Fair Credit Reporting Act to require the Consumer Reporting Agencies (CRAs) to remove paid or settled medical debt from a consumers’ credit file.


The Number of Older Vehicles on the Road Increased More Than 17 Million Since 2009

Posted on Jun 27 2012 by

Experian Automotive today announced that there were 17.3 million more light-duty vehicles seven years and older on the road in the United States than there were three years ago.

According to its Q1 2012 Vehicles in Operation (VIO) market analysis, Experian Automotive also found that there were more than 245 million vehicles on U.S. roads, and that the age of vehicles increased when compared to Q1 2011, up 1.9 percent to an average age of 11 years.


Experian Marketing Services Provides Pinterest Functionality to Help Retailers Go Viral

Posted on Jun 26 2012 by










Experian Marketing Services’ CheetahMail® developed a new Pinterest email functionality late last year that has produced significantly higher both open and click rates for emails with the functionality, while also enabling retailers’ products to go viral. Several retailers, including Ballard Designs, have seen significant increases in click-to-open rates, Pinterest followers and pinboard activity by incorporating the capability into their email campaigns.


The Original Band is Back in a New Campaign for FreeCreditScore.com

Posted on Jun 18 2012 by

Theyyyy’re baaack! They once graced American televisions singing witty lyrics about their personal credit woes while waiting tables in pirate costumes, living out of the in-laws’ basement and getting snubbed by women because of their lackluster car. Now, after a two-year hiatus, The Original Band is back by popular demand.


Experian Marketing Services’ ChoiceScore Now Available Through Reseller Adrea Rubin Marketing

Posted on Jun 14 2012 by

Experian Marketing Services, a leading provider of data, analytics and marketing technologies, today announced an expanded relationship with Adrea Rubin Marketing, Inc., the life and health insurance marketing leader. This relationship makes Adrea Rubin Marketing a preferred provider of Experian Marketing Services’ ChoiceScore to the life and health insurance vertical.


How Experian is Helping Consumers with Little to No Credit History

Posted on Jun 14 2012 by

Did you know that there are 64 million people in the United States that have little or no traditional credit history?

These people are typically referred to as underbanked or underserved consumers and Experian just announced Extended View Score that can help these consumers gain access to credit products and services, which can lead them down the path of building a fuller credit history.