Connect Check is a custom verification process designed exclusively to assist telecommunications, energy and cable companies detect fraud and minimize risk exposure at the time of a service request.

The Credit Profile report is a composite history of a consumer's credit and identification information. It provides accurate, current and complete information to acquire new business, manage customers and maximize collections.

Employment Insight, a modified version of the Experian Credit Profile report, contains consumer identification, employment history, and credit information used to substantiate information during the hiring or promotion process. It is an effective verification tool that helps employers make informed hiring decisions.

Experian Credit Educator^SM provides our clients the opportunity to partner with Experian to offer their customers a one-on-one credit education session with a trained Experian Credit Professional Agent. Experian's Credit Educator allows our clients to increase customer satisfaction and loyalty; promote cross-sell opportunities and strengthen their portfolio.

Experian's Financial Assistance Checker^SM Score enables energy utility companies to quickly and easily determine which consumers may qualify for low-income assistance.

Experian has developed a suite of 7 new In the Market Models^SM that identify consumers who are likely to open a specific account type in the next 30 to 120 days.

The suite of In the Market Models^SM predicts purchase behaviors for the following account types: auto, bankcard, home equity, mortgage, personal finance, retail and student loan. They help clients prioritize and refine their campaign strategy to achieve increased response rates, conversion rates and profitability.

Overcome the limitations of multiple, disparate customer databases. Experian's PINpoint Services enables you to gain a Single Customer View by linking customers' account information so you can view all relationships belonging to a single customer.

Effective Jan 1, 2011, companies that use a credit report or score in connection with a credit decision must send notice to a consumer when, based on a credit report or score, the company grants credit on material terms that are not the most favorable terms offered to a substantial proportion of consumers. In most cases, the rule defines "material terms" as the loan's Annual Percentage Rate.

Social Search is a service specifically designed to help customers (aka subscribers) locate hard-to-find individuals. Social Search uses the Social Security number to match and retrieve consumers associated with the same Social Security number from Experian's national database.

VantageScore is a powerful risk score which provides improved accuracy, consistency across the three bureaus, and enables lenders to find more creditworthy consumers.

Debt-to-Income Insight^SM is a model designed to estimate a borrower's outstanding debt obligations as a percentage of their estimated income. The model leverages the predictive power of Income Insight^SM, Experian's premier income estimation model, and market-leading Premier Attributes^SM to provide an all-in-one assessment of a borrower's capacity to take on additional debt.

Debt-to-Income Insight is meant to be a companion product to Income Insight. It is an "add on" service and may only be purchased along with Income Insight. Debt-to-Income Insight's approved uses are the same as Income Insight, and it cannot be used for adverse action.

Income Insight^SM and Income Insight W2^SM are models designed to estimate a consumer's income. Income Insight provides a comprehensive measurement of total income offering a complete financial picture of a borrower for greater insight into their ability to meet their obligations.

Income Insight W2 estimates the wage income of a consumer which is especially applicable for low to mid-range income levels where income is comprised mostly from wages. Both models were built using verified income data and are calculated using exclusively credit bureau attributes. In all cases, the models are not to be used as a basis of adverse action.

Income View^SM is a web-based tax verification service that provides clients with streamlined IRS 4506-T processing and prompt access to applicants' verified income via the Internal Revenue Service (IRS).