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Experian plc is a multinational consumer credit reporting company. Experian collects and aggregates information on over one billion people and businesses including 235 million individual U.S. consumers and more than 25 million U.S. businesses. Based in Dublin, Ireland, the company operates in 37 countries with headquarters in the United Kingdom, the United States, and Brazil. The company employs approximately 17,000 people and reported revenue for 2018 of US $4.6 billion. It is listed on the London Stock Exchange and is a constituent of the FTSE 100 Index. Experian is a partner in the UK government's Verify ID system and USPS Address Validation. It is one of the "Big Three" credit-reporting agencies, alongside TransUnion and Equifax.In addition to its credit services, Experian also sells decision analytic and marketing assistance to businesses, including individual fingerprinting and targeting. Its consumer services include online access to credit history and products meant to protect from fraud and identity theft. Like all credit reporting agencies, the company is required by US law to provide consumers with one free credit report every year.
Credit (from Latin credit, "(he/she/it) believes") is the trust which allows one party to provide money or resources to another party wherein the second party does not reimburse the first party immediately (thereby generating a debt), but promises either to repay or return those resources (or other materials of equal value) at a later date. In other words, credit is a method of making reciprocity formal, legally enforceable, and extensible to a large group of unrelated people. The resources provided may be financial (e.g. granting a loan), or they may consist of goods or services (e.g. consumer credit). Credit encompasses any form of deferred payment. Credit is extended by a creditor, also known as a lender, to a debtor, also known as a borrower.
The personal pronoun you is the second-person personal pronoun, both singular and plural, and both nominative and oblique case in Modern English. The oblique (objective) form, you, functioned previously in the roles of both accusative and dative, as well as all instances following a preposition. The possessive forms of you are your (used before a noun) and yours (used in place of a noun). The reflexive forms are yourself (singular) and yourselves (plural).