Experian PLC is a Jersey-based global information services company. The Company provides business-to-business data, decision and consumer services. It builds and manages comprehensive databases containing the credit activity and repayment histories of millions of consumers and businesses. Organizations analyze and use this information to make decisions about lending and the terms on which to lend. It creates credit information databases and other information, including clients’ own data, to develop predictive tools, sophisticated software and platforms. It also provides credit education and identity monitoring services to its consumers including free access to their credit report and score, and useful online educational tools. The Company's online recovery portal, allows consumers see all their own past-due debts in one place, and negotiate more achievable repayment plans with lenders.