Experian is relatively new, but no less influential, on the credit bureau scene. In business for about 30 years, Experian (formerly TRW) offers the usual credit reporting and decision-making and information management services to lenders and other businesses. Consumers can purchase an Experian credit report or subscribe to the company’s other consumer services on its Web site. Before paying for a credit report, though, remember that federal law entitles each consumer to one free Experian credit report every 12 months. For more information on how to obtain your free credit check, visit www.annualcreditreport.com.

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