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Consumer Reports (CR), formerly Consumers Union (CU), is an American nonprofit consumer organization dedicated to independent product testing, investigative journalism, consumer-oriented research, public education, and consumer advocacy.
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Experian is a multinational data analytics and consumer credit reporting company headquartered in Dublin, Ireland. Experian collects and aggregates information on over 1 billion people and businesses including 235 million individual U.S. consumers and more than 25 million U.S. businesses.
The CFPB writes and enforces rules for financial institutions, examines both bank and non-bank financial institutions, monitors and reports on markets, as well as collects and tracks consumer complaints. The CFPB opened its website in early February 2011 to accept suggestions from consumers via YouTube, Twitter, and its own website interface.
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Consumer Labs is not a laboratory, but contracts studies to outside testing laboratories. It purchases dietary supplement products and other consumer goods directly from public storefronts and online retailers, contracts for testing by private laboratories, and publishes reports based on the results.
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A credit score is primarily based on a credit report, information typically sourced from credit bureaus. [2] Lenders, such as banks and credit card companies, use credit scores to evaluate the potential risk posed by lending money to consumers and to mitigate losses due to bad debt.