Credit bureaus

In today's highly competitive markets, lenders need to ensure that they are making the right credit decisions. To achieve this, decisions need to be based on the most accurate and up-to-date information available.

The Most Accurate Information

Credit grantors around the world are benefiting from the information services provided by Experian's international bureaus. These services range from a simple credit report to sophisticated risk and customer management tools, as well as fraud prevention solutions.

Experian has a proven track of successful implementation and operation of consumer and commercial credit bureau solutions. Credit bureau systems operated by Experian are market leaders in the US, the UK, Brazil, South Africa, and within a number of European countries. Experian has also been proactively working within Africa, the Middle East and Asia-Pacific regions for several years, contributing to the delivery of bureau solutions in:

• Morocco
• Saudi Arabia
• Kuwait
• India
• Pakistan
• Singapore
• Turkey

Size Matters

The scale of Experian's business, significantly bigger than that of its competitors, supports the ability to invest consistently in the development of new, ground-breaking solutions. These ideas are then tailored and customized to the needs of the different markets, thanks to the presence of Experian offices in more than 40 countries worldwide, with over 15,000 employees supporting clients in approx. 65 countries.

Experian's credit bureau solutions can provide a complete service, helping credit grantors to make the right decisions, at the right time, throughout the customer life cycle.

How to Succeed

The success of a credit bureau solution depends on several factors:

• the willingness and ability of the financial institutions to share data (with particular regard to positive credit accounts)
• supportive and helpful data protection legislation, which may include a specific code of conduct for the Credit Bureau
• data quality (and quantity)
• robust, yet flexible, well designed infrastructure to offer capable data processing and delivery mechanisms
• value added products and solutions to actively support the development of the credit market
• close relationship with regulators, international organizations (e.g. World Bank), subscriber organizations and consumer associations

The Bureau Operator needs to be provided with the right tools, knowledge and support to operate the bureau solution within a potentially complex scenario.  

Meeting the Unique Requirements of Each Market

Experian works closely with credit grantors, legislators and relevant government authorities to provide a solution that meets the unique requirements of each individual market.

For more information on our current operations in international markets, please see the enclosed fact sheet on Experian's international bureau.