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.

Credit decisioning engine

Our enterprisewide credit 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 credit decisioning engine.

How we can help

Our credit decisioning platforms can help you make better decisions during the prospecting and originations, customer management, and collections and recoveries lifecycle 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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Instant credit 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.

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Decisioning software

Our decisioning tools and products are designed to increase the precision, speed and agility of decision-management processes.

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 credit 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 firms are using alternative data to improve risk profiling and credit decisioning capabilities.


Credit decisioning is the process that lenders use to evaluate the creditworthiness of a potential borrower. This process includes examining the borrower's credit history, current financial situation and ability to repay the loan. Lenders use this information to determine whether to approve or deny a loan application and under what terms and interest rate. This risk assessment is crucial in limiting potential defaults and portfolio risk.

In order to automate and streamline the credit decisioning process, lenders can leverage a credit decision engine that uses advanced analytics and algorithms to efficiently assess a borrower’s creditworthiness. A credit decisioning engine quickly processes vast amounts of data, including credit, employment, income and identity information to better predict risk and improve operational efficiency.


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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