Recent survey data indicates many Americans want to better understand credit

 Recent survey data indicates many Americans want to better understand credit's new Score Planner™ can help improve that understanding

PR Newswire

COSTA MESA, Calif., Jan. 16, 2013

COSTA MESA, Calif., Jan. 16, 2013 /PRNewswire/™ today
announced the findings of a recent survey that polled Americans about their
understanding of credit scores and the actions that impact those scores.
According to the survey, most respondents (83 percent) have checked their
credit scores; however, nearly half of the respondents (42 percent) want to
improve credit scores but don't know how.

"The survey is an eye-opener to the fact that many people think about credit
on a regular basis but don't feel empowered to take control of their credit
scores," said Ken Chaplin, senior vice president of marketing for "We've enhanced the website and
launched our new, free Score Planner™ tool to remove the mystery around credit
scores, and help members and nonmembers alike take steps to better understand
how their actions impact their credit score."

Additional findings from the survey provide insights into credit awareness and
credit usage. Sixty-five percent of respondents indicated that they consider
their credit score when engaging in credit-related activities such as maxing
out a card, applying for a new card or skipping a payment. When it comes to
gender and credit, women (68 percent) are more likely than men (61 percent) to
consider their credit score before making credit usage decisions.

Maintaining credit scores takes dedication, time and planning; the results can
be invaluable. A few simple tips from are well worth

  oMonitor credit scores throughout the year. More than one-quarter (28
    percent) of survey respondents have never checked their credit scores,
    primarily because they don't see a need. That's a risky approach when
    lenders use credit scores to gauge an individual's financial reliability.
    Ignoring one's credit score my lead to an unpleasant surprise when making
    a large purchase or applying for a loan. 
  oUtilize online tools to stay on plan. Consumers have a variety of online
    tools at their fingertips that can help them take control of personal
    finances. The patented Score Planner, which is
    available to both members and nonmembers, is unique in that it shows
    consumers what actions can impact credit scores and by how much. This
    information can help them make more informed financial decisions.
  oIf in doubt, check it out. Monitor your financial statements regularly,
    and if something doesn't look right, take action immediately. Great credit
    takes time to establish but can be unraveled quickly by identity theft.
    Keeping a close eye on financial statements and taking action if you see
    something amiss can help you protect your credit and your identity. 

About is part of a family of online consumer credit reporting
sites belonging to, Inc., an Experian company., Inc. was founded in 1995 to give consumers quick, easy and
inexpensive access to their credit profile. It is now the leading provider of
online consumer credit reports, credit scores, credit monitoring and other
credit-related information., Inc. provides credit monitoring
to its more than 3.1 million members and has delivered more than 20 million
credit reports on the Web. As part of the Experian family, it continues to
grow its membership base and develop innovative products to help consumers
better understand and manage their credit.

About Experian

Experian^® is the leading global information services company, providing data
and analytical tools to clients around the world. The Group helps businesses
to manage credit risk, prevent fraud, target marketing offers and automate
decision making. Experian also helps individuals to check their credit report
and credit score, and protect against identity theft.

Experian plc is listed on the London Stock Exchange (EXPN) and is a
constituent of the FTSE 100 index. Total revenue for the year ended 31 March
2012 was US$4.5 billion. Experian employs approximately 17,000 people in 44
countries and has its corporate headquarters in Dublin, Ireland, with
operational headquarters in Nottingham, UK; California, US; and Sao Paulo,

For more information, visit

Experian and the Experian marks used herein are service marks or registered
trademarks of Experian Information Solutions, Inc. Other product and company
names mentioned herein are the property of their respective owners.


Corie Jackson
Edelman PR
1 323 202 1075 (office)
1 818 259 0631 (cell)

Becky Frost
1 949 202 7296 (cell)


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