tbd

We view ourselves as the "Consumers' Bureau," and we have a responsibility to all consumers seeking credit. That means providing lenders with a holistic view into consumers' financial situations. To that end, we have long supported the use of rental, utilities and telecom payment data to augment credit history, and believe it is crucial for rebuilding and establishing the credit reputations of credit invisible and thin-file consumers. 

We are committed to finding new and innovative ways to use data in the credit scoring process to improve financial access.

Magnitude of Experian's Data

Innovation

Experian continually explores new ways to use data to help consumers with little-to-no credit history gain access to financial resources

New Data Sources

Adding data helps lenders identify consumers excluded from the credit system, but who can fulfill financial obligations

Expand Credit

89% of lenders agree that new data sources allow them to extend credit to more consumers

Insights

Blog Post

How to Deliver Data-Driven Customer Experiences

A data-driven customer experience certainly has a nice ring, but can your organization deliver on...
Blog Post

Using Data, Creative Thinking and Critical Analysis to Accelerate Innovation

Experian’s culture of innovation continues to be a remarkable differentiator for our people, products...
Blog Post

Case Study: Leverage Fresh Data for More Personalized Credit Offers

Putting customers at the center of your credit marketing strategy is key to achieving higher response...
Blog Post

Enhanced Customer Segmentation and Targeting with Data

For a credit prescreen marketing campaign to be successful, financial institutions must first define...
Blog Post

Using Alternative Credit Data for Credit Underwriting

Alternative credit data, also known as expanded FCRA-regulated data, is data that can help you evaluate..
Blog Post

Consumer Data is Key to Digital Identity and Personalization

With the proliferation of the digital world, managing digital identity and “getting it right” is crucial.
Blog Post

The Rise of Data Portability Intensifies the Importance and Challenge of Digital

Businesses are managing vast and growing amounts of consumer data – all while ensuring consumers’...
Blog Post

Unlock More Profitable Decisions with Credit Attributes

Experian develops industry-leading credit attributes and models using traditional methods...
Blog Post

Data and Innovation Personalize Identities in a New, Meaningful Way

Experian recently announced Experian Identity and published an advertorial in American Banker...
Blog Post

How Many Ways Can You Deliver a Firm Offer of Credit?

The Marketing Rule of Seven means it usually takes at least seven impressions before a consumer...