We help businesses quickly turn complex data into actionable insights and confident decisions

Advanced analytics

Combine machine learning analytics with our proprietary and partner data to return a single optimal decision.

Decisioning engine

Our enterprise-wide decisioning engine facilitates faster, more streamlined decisions so you can quickly respond to requests and exceed customers’ expectations. 

Fraud and identity

Make timely risk assessments and apply appropriate verification solutions with flexible orchestration and advanced analytics on a single state-of-the-art cloud platform.

How we can help

Our credit decisioning platforms help you make better decisions during the prospecting and originations, customer management, and collections and recoveries life cycle phases, so you can grow confidently and reduce costs.

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Credit decisioning tools

Turn data and analytics into relevant and confident business decisions.

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Customer acquisition

Use our data to create more meaningful interactions with new and existing customers.

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Credit attributes

Use our attributes or build and manage your own using the latest statistical techniques as building blocks for your predictive models and business strategies.

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Credit risk scores

Grow and protect your business by approving the right customers.

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Loan origination software

Drive intelligent lending outcomes and automate your processes with Experian’s loan origination software.

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Prequalification instant decisioning

Prequalify customers for credit in real time at the point of contact and make the right offer to the right customer at the right time, and provide credit education for a robust customer experience.

Make every decision count

Our expertise in analytics, decisioning, and fraud and identity give you the confidence to provide low-friction approvals to the right customers.

Fast, reliable decisions

Our decisioning engine returns real-time or batch results, so you can acquire good customers and manage your portfolio risk.

Proactive risk management

Control risk with improved decision accuracy, reviews of inconsistent information, expanded view of risk factors and earlier intervention. 

Loan originations

Quickly acquire high-value customers by leveraging credit origination solutions through cloud computing.

1+ billion

Real-time integrated decisioning transactions we process.

1 out of 5

Consumers surveyed plan to open a credit card in the next six months.


Of lenders use information beyond the traditional credit report.


Ready to improve your credit decisioning strategy?

We’re here to help. If you’d like to learn more about our solutions, please fill out the form below.

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