Experian builds credit reporting, identity and fraud prevention, and data analytics software that help lenders, insurers, healthcare providers, and marketers make decisions; it also offers consumer credit monitoring and scores. The company earns via data licensing, decisioning software, and subscription services, operates in 30+ countries, is headquartered in Costa Mesa, California, and is a FTSE 100 public company listed on the London Stock Exchange (EXPN); it is one of the three major U.S. credit bureaus.