Basically a bunch of twats, that decide whether you get credit (cell phone, mortgage etc.)and how expensive this would be. They also charge you for viewing your "score" and keep it on file for ages. So basically they bum rape you.
Poor credit dude:
"hey experian you twats, give me some credit"
Experian: "No you missed a payment to the credit card company once!"
Prices shown in USD.
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