Top International Companies To Buy Right Now

Top International Companies To Buy Right Now: Experian PLC (EXPGY)

Experian plc, incorporated on June 30, 2006, is a provider of global information services. The Company provides data and analytical tools to organizations in North America, Latin America, the United Kingdom and Ireland, Europe, the Middle East and Africa (EMEA) and Asia Pacific. Clients use these to manage credit risk, prevent fraud, target marketing offers and automate decision-making. Activities in the regions in which Experian operates are grouped into four global business lines: Credit Services, Decision Analytics, Marketing Services and Interactive. Experian provides data and analytical tools to organizations in North America, Latin America, United Kingdom and Ireland, EMEA and Asia Pacific. In November 2013, the Company acquired Passport Health Communications, Inc.

Credit Services

Experian helps organizations to manage credit risk, prevent fraud, target marketing offers and automate decision making. The Company also provides credit monitori ng and identity protection services to millions of consumers via the Internet. At the core of Credit Services are the databases that Experian builds and manages, that hold the credit application and repayment histories of consumers and businesses. Globally, Experian holds credit payment data on consumers and million businesses. In total, Experian operates approximately 20 consumer credit bureaux and approximately15 business credit bureau worldwide. Experian's automotive business supplies vehicle history reports in the United States, the United Kingdom, Ireland and Italy. Reports typically include data on title, registration, history and accidents, manufacturer recall and repair records. The information is sold to automotive dealers, auction houses, automotive companies and direct-to-consumer. Clients principally include organizations that are extending or offerin! g credit, such as financial services, telecommunications, utilities, insurance companies, hospitals and automoti ve dealers.

The Company competes with Dun & Bra! dstreet.

Decision Analytics

Solutions developed by Experian include application processing, customer management, fraud solutions and collections software and systems. Decision Analytics products are also used in the detection and prevention of fraud. Clients include financial services, telecommunications, utilities, retailers, insurance, automotive and the public sector.

It competes with Fair Isaac and SAS.

Marketing Services

Marketing Services provides data and segmentation tools to the organizations. Experian provides Marketing Services in some 30 countries. Marketing Services maintains databases of marketing information on consumers. Consumer profiles include data from many sources, including market surveys, postal addresses, electoral registers, Internet service providers and magazine subscription data. Globally, Experian holds demographic data on more than 700 million individuals in approximate 270 millio n households and online behavior data on Internet users across Websites. Experian has a Marketing Services presence worldwide, including Australia, Brazil, China, France, Germany, Japan, the United Kingdom and the United States. Clients include financial services, retail, media, automotive and the public sector.

The Company competes with Acxiom, Epsilon, WPP, Omnicom, ExactTarget, Responsys, Neolane and eDialog.

Interactive

The Company's Consumer Direct business provides credit monitoring and other information services directly to millions of consumers via the Internet. It enables consumers to monitor the accuracy of their credit report, to check their credit score and to protect against identity theft. Experian provides consumers with online access to their credit history. In the United States, CreditReport.com and ! freecredi! tscore.com, and in the United Kingdom, CreditExpert.co.uk, allow consumers to see the same information availab le to lenders. Experian's identity protection services in ! the Unite! d States and the United Kingdom, ProtectMyID.com and ProtectMyID.co.uk, provide identity theft detection, protection and fraud resolution to consumers. In the United States, Safetyweb.com helps parents monitor their children's online activity and its DataPatrol product provides realtime Web and social network monitoring to help prevent identity fraud before it happens.

The Company competes with Equifax, CallCredit, TransUnion and Fair Isaac.

Advisors' Opinion:

• [By WWW.DAILYFINANCE.COM]

  Jupiterimages.com When it comes to understanding your credit, it can feel as complicated as trying to solve a Rubik's cube. Frustrated by this confusion, many consumers neglect their credit, which can have a devastating impact on their financial futures. A Consumer Action study recently revealed that 27 percent of Americans have never checked their credit report. That's alarming, because it's estimated that a large numbers of consumers have errors on their credit reports that could damage their credit. I found this out several years ago when I found an error -- a canceled account that was being reported as delinquent -- hurting my credit. In my research, I have identified three sneaky things that are hurting other people's credit, too. Surprisingly, they could be fixed in 15 minutes or less. First, you need to get your credit report, and you should go to AnnualCreditReport.com. From this site, you can request your free credit report once a year from the three major credit reporting agencies -- (Equifax (EFX), Experian (EXPGY) and TransUnion). You can also access your credit score there, but you'll have to pay a small fee. To get a free credit score, you can go to Credit.com or Creditkarma.com. Keep in mind that these two as well as a lot of other free sites offer a consumer education sc! ore, whic! h isn't your actual FICO (FICO) score. This confused even me when I sought to find my real credit score. Your FICO score changes daily, so getting your credit scores from these free sites will give you a good gauge of approximately what your credit score is. 1. Wrong Information The wrong personal information on your credit report could hurt your credit. This could be things like your name, your home address, where you've worked in the past or even your Social Security number. How does a wrong address hurt your credit? Your information may be mixed up with someone else's, especially if you have a common name, or are a "Jr." or "Sr." Or it could indicate identity th

• [By WWW.DAILYFINANCE.COM]

  Karen Roach/Shutterstock When singles are looking for love, they typically don't start by checking out a potential mate's credit score. But maybe they should. A recent survey of 1,010 married people by Experian (EXPGY) Consumer Services division found that 95 percent of those polled rate financial responsibility as an important attribute in a spouse. Compare that to physical attractiveness -- often the first criterion we use to judge potential mates -- which was deemed an important trait for compatibility by just 86 percent. (Personal compatibility led the list at 98 percent.) Financial communication can be an important barometer of how successful a relationship will be, although women place more of a premium on it than men. Among those surveyed, 73 percent of women and 60 percent of men said that being open about personal finances and credit makes a person more attractive as a spouse. On the flip side, 59 percent of women and 44 percent of men say that a partner who avoids talking about those things is less attractive as a spouse. What's Your Number? "Financial debt and a person's credit score are so important to disclose before you tie the proverbial knot," says Les Parrott, co-author with his wife, Leslie, of "Making Happy" and "The Good Fight." "We can tell you about lots of disastrou! s money s! urprises when a person isn't up front about this." It's important to discuss all aspects of your individual and shared financial situations regularly with your significant other, but because your credit score will impact your ability to make major purchases like a home or a car, it's especially important to determine whether a low credit score tied to one or both of you may affect your long-term goals, says Suzanna de Baca, vice president of wealth strategies at Ameriprise Financial (AMP). "An important step toward having a successful relationship is being willing to share your feelings about money with your partner. This includes being honest about past and p

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