Customer Risk Assessment
An accurate customer risk assessment will help you acquire the most profitable consumers while minimizing risk. For business-to-consumer companies, Experian offers consumer credit information, advanced scoring software, prescreening systems and application decisioning tools. For companies looking to acquire business customers, our business reports and public records, portfolio data and risk modeling tools allow clients to create comprehensive profiles of business prospects. Determine which businesses are well-capitalized and financially suited for customer acquisition.
Evaluate customer risk associated with customer acquisition using the following products and services:
- Consumer Focused Products (for lenders and non-lenders)
- Commercial Focused Products (for lenders and non-lenders)
Risk-based Pricing Rule
For companies that use credit reports or scores to make lending decisions, the compliance deadline for a new Risk-Based Pricing Rule is quickly approaching.
BizIDSM
Improve operational efficiencies by authenticating a business applicant in a single transaction. Biz ID searches multiple databases to verify business name and business owners while helping meet compliance requirements.
Business Owner Background Report
Unprecedented visibility into a business owner or principal’s relationships with current and former business interests.
Business Owner Profile
Understand how an owner’s personal finances may impact their small business’ financial risk with this comprehensive personal credit report designed for business use. Includes Office of Foreign Assets Control alerts (OFAC) and fraud checking.
Business Summary
Quickly verify a business is active or approve small dollar amounts. Provides a summary of information available in a full credit report.
BusinessIQ Premier Profile
Now available – our most comprehensive business credit report ever – including credit score and fraud tools.
Decision EssentialsTM for hosted acquisitions
Confidently enter the unsecured personal loan market. Decision EssentialsTM for hosted acquisitions includes everything you need to enter the unsecured personal loan market in a simple, easy-to-integrate package - Including data, scores, attributes and hosted decisioning software.
Decision InsightSM
Automate approvals for new customers using preset, customizable rules that reflect your company’s credit policy. Combines automated decisioning with the Intelliscore Plus score.
Intelliscore PlusSM
Make quick, accurate decisions using Experian’s strongest commercial risk assessment score. This all-industry model provides two types of scores — a business risk score and a blended business/owner score.
International Reports
Doing business with overseas companies presents unique challenges. Experian's international report service provides information on nearly any business around the globe.
Rental Payment Data
The inclusion of rental payment data in credit files provides you with a more comprehensive understanding of a consumer’s total monthly obligations.
Small Business Credit Share ReportSM
Get exclusive access to detailed payment information. The report is exclusively for Small Business Credit Share data consortium members. It expands on the Business Profile Report with in-depth 36-month payment history on financial relationships and trade lines.
CONSUMER FOCUSED CUSTOMER RISK ASSESSMENT PRODUCTS
Address Update
Maintain quality address information to keep in touch with good customers and prevent losses from problem accounts.
Attribute Toolbox™
Analyzes credit and non-credit data to create a more precise risk score and more accurate acquisition strategy.
Collection Advantage
Get 24-7 access to critical debt collection information, including credit-based scoring, consumer contact data and analytical services — all in one seamless delivery system.
Collection Triggers
You choose the information you want us to track. When there is new information available, we immediately notify you with this dynamic, flexible account monitoring tool.
Credit Card Verification
Prevent the acquisition of unscrupulous customers by authenticating cards and card users during transactions.
Credit Profile Report and Options
Having the most accurate data and access to more than 220 million credit-active consumers lets you make informed customer acquisition decisioning.
Custom Scoring Models
Achieve better acquisition results using highly segmented data and advanced scoring models.
Debt Portfolio Evaluator
Quickly and accurately evaluate collections recovery and profit potential on a debt portfolio.
Debt-to-Income InsightSM
Better understand the risk in your portfolio through greater insight into the overall debt capacity of your customers.
Experian TAPSSM
With TAPS (Total Annual Plastic Spend), assign the correct APR in underwriting to maximize wallet share and interchange revenue and estimates a consumer’s spend on all general purpose credit and charge cards over the last 12 months. Combine with income to identify potential debit users.
Fast StartSM
A combined scoring and consultation tool that enables you create custom industry-specific scoring models based on unique criteria.
Fraud ShieldSM
Identifies inconsistencies between a customer’s credit application information and credit report data.
Fraud ShieldSM Score
Gain market insights that tell you how your customers compare with the overall B2B marketplace, plus learn their lifestyle attributes, market penetration rates and more.
Income InsightSM
Enhance your customer risk assessment by getting a customer’s complete financial picture through in-depth insight into their overall repayment ability.
Instant Prescreen
A quick and easy cross-selling tool that lets you immediately extend preapproved offers of credit to prospects when they’re most responsive — at the point of contact.
Knowledge IQSM
Ideal for Internet or telephone transactions, this identity authentication tool presents challenge-response questions to prevent unauthorized card usage or the opening of a fraudulent account.
Optimization for Acquisitions
Maximize acquisition strategies to achieve organizational goals through optimized marketing strategies that effectively balance risk versus reward to create immediate and long-term profitable customer relationships.
PowerCurve - Strategy Management
Utilizes advanced technology to tightly link strategy design with strategy execution, providing painless deployments and unmatched performance monitoring, with results mapped back to your individual strategies. This complete loop architecture accelerates your test-and-learn cycles, and easily adapts to market and consumer behavior changes.
Precise IDSM
Scores applicants and provides advanced decisioning to determine terms and lines of credit to extend to new customers.
Prescreen
Qualifies and segments your prospect list according to your unique credit criteria so you can target consumers most likely to respond to your credit offers.
Prospect TriggersSM
Achieve increased response rates to your pre-approved credit offers by reaching consumers at the precise time they actively are shopping for credit.
Risk-Based Pricing
Determine the ideal product pricing tier breaks and interest rates to maximize portfolio profitability and create a competitive advantage.
Social Search
By referencing Social Security numbers to verify identity, it helps locate individuals who have skipped and may have changed their name and address.
Trend View Behaviors
Unlock the power of trending and make the most appropriate offers to customers and prospects at precisely the right time by understanding a consumer’s past payment behavior.
Trended Solutions
Access historical credit data that allows you to target the right customers, manage risk and gain valuable market intelligence.
VantageScore®
Make customer risk assessment decisions with improved, consistent prediction power by leveraging data from all three national credit reporting companies.
Start Your Direct Marketing Campaign Today
Consumer and Business mailing lists for immediate purchase.
Case Study: Franklin Mint Federal Credit Union
Learn how our client exceeded its ROI target by almost 200 percent using Experian’s Auto In the Market ModelSM product.
Digital Marketing Strategy
Market to Your Best Prospects and Spend Less
Use Audience IQ to meet your digital target marketing needs.
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Look Ahead 2020
Discover how Experian is helping businesses navigate the COVID-19 health crisis.