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Experian plc, an information services company, provides data and analytical tools to organizations worldwide. The company operates in four segments: Credit Services, Decision Analytics, Marketing Services, and Consumer Services. The Credit Services segment provides information to organizations to help them manage the risks associated with extending credit to their customers and preventing fraud. This segment also manages databases containing the credit application and repayment histories of consumers and businesses. The Decision Analytics segment provides application processing, customer management, fraud solutions, and collections software and systems. It enables organizations to make decisions at various stages of the customer relationship; to identify new customers to segment their existing customers; to manage their existing loan portfolios; and to undertake collections actions. The Marketing Services segment provides data, analytics, and cross-channel campaign management to help its clients to execute their marketing campaigns, develop their messaging, interact with their customers across channels, and measure the success of their campaigns. The Consumer Services segment provides credit monitoring, fraud protection, and identity management services to consumers through the Internet. This segment enables consumers to monitor the accuracy of their credit report, to check their credit score, and to protect against fraud and identity theft. The company serves various sectors, including financial services, direct-to-consumer, retail, telecoms and utilities, automotive, insurance, media and technology, healthcare payments, public sector, education, and others. Experian plc was founded in 1980 and is headquartered in Dublin, Ireland.