Experian Consumer Education Resources

Informational Videos

 

Experian experts and celebrities provide important information about credit reports, credit scores, fraud and identity theft, and many other topics in these videos and pre-recorded "Virtual Seminars."

Pursuit of the Dream: Building Credit for Life

Produced by the Annie E. Casey Foundation, this documentary explains the importance of a good credit history in building the economic success of low-income families. Experian's Maxine Sweet was interviewed for the film.

Sample Experian Credit Report

Understanding the information in a credit report is the first step in making it a valuable financial tool. This sample report illustrates what an Experian consumer credit report looks like and desribes the various types of information a person might find in their personal report.

Ask Experian

Ask Experian, the credit reporting industry's first consumer credit advice column, answers the most common questions about credit reports and credit scores.

Corporate Responsibility

It is Experian's responsibility as a company to be aware of our societal responsibilities and to have a positive impact on the communities in which we live and work. Experian's global Corporate Responsibility Report provides detailed information about what we are doing to ensure we behave in a socially responsible manner.

Reports on Credit

The Reports on Credit series includes 10 issues, each covering a specific credit-related topic. The documents were designed to be printed or photocopied easily to assist in answering consumer credit questions or for utilizing as a classroom teaching tool when discussing specific credit topics.

Issue #1 - Basic questions about credit reports and credit reporting

Issue #1 of the Reports on Credit series discusses credit reporting fundamentals. Learn what a credit report is, what information a credit report includes, how credit reporting helps you and who makes lending decisions.

Issue #2 - Reviewing your credit report

Issue #2 of the Reports on Credit series explains why you should review your credit report, how to obtain a copy of it and how you can correct information you believe is reported in error or that may be inaccurate.

Issue #3 - Obligations when signing or cosigning a loan

Issue #3 of the Reports on Credit series describes your responsibilities when you sign or cosign a loan. It explains what might happen if you or the person you cosigned for don't meet the obligations of the loan contract, and what you should consider before cosigning a loan for someone. 

Issue #4 - Building a positive credit history

Issue #4 of the Reports on Credit series explains what you can do to build a strong credit history. It discusses what you should do if you begin to fall behind in your payments, how long negative information can remain in your credit report and what to do if you have no credit history at all.

Issue #5 - The FCRA, the FACT Act and your credit report

Issue #5 of the Reports on Credit series discusses the laws that govern credit reporting, your rights regarding your credit report and what Experian does to ensure the information it maintains is protected and used appropriately.

Issue #6 - How lenders make -- and monitor -- credit decisions

Issue #6 of the Reports on Credit series discusses what lenders look for when granting credit, explains what credit scores and inquiries are and why lenders monitor existing accounts.

Issue #7 - Facts about mailing lists and preapproved offers

Issue #7 of the Reports on Credit series provides information about mailing lists and preapproved credit offers. It describes the benefits of preapproved offers for consumers, explains how your name can get on a mailing list and defines "target" marketing and why you might get an offer. It also explains how your consumer rights are protected and how you can remove your name from marketing lists if you choose to do so.

Issue #8 - Protecting yourself against fraud

Issue #8 of the Reports on Credit series discusses credit card fraud and identity theft. It provides tips for protecting yourself, explains what you should do if you become a victim and describes some of the things Experian is doing to fight fraud and identity theft.

Issue #9 - The use of credit reports for employment purposes

Issue #9 of the Reports on Credit series discusses how credit reports can be used for employment purposes. It describes how employment reports differ from reports used for lending and explains how your rights are protected.

Issue #10 - Divorce and your credit

Issue #10 of the Reports on Credit series discusses how divorce can affect a person's credit history and what you should do to protect your credit if you are facing that difficult situation.

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