Together we can create a more inclusive tomorrow

Through Inclusion Forward™, we leverage our leading data, analytics and technology to reach communities that need us the most. By working with businesses and financial institutions, we have the opportunity to innovate and offer financial inclusion tools and insights to better serve the underbanked, communities of color and rural white Americans.  

We can help consumers and small business owners along their credit journey and put them in greater control of their financial health.

Learn how our financial inclusion tools support your business goals along every step of the journey

Measure 

Find more consumers and small business owners through expanded demographic, financial and behavioral data. Leverage geo summarized datasets to identify the needs of underserved communities and get insights into loan activity.

Track

Monitor the progress of your programs and their impact by utilizing inclusion dashboards and indexes that give greater people-based insight about the diverse communities you serve.

Include

Gather more insights to drive business outcomes through expanded FCRA-regulated data sources, and leverage data that scores 96% of the scoreable population. Approve more consumers while mitigating risk.

Reach

Improve decisioning and modeling by leveraging enhanced datasets to reach business owners who would otherwise be credit invisible.

Financial inclusion is a business imperative

We can help your business implement a growth strategy to reach your goals while meeting the needs of your customers and the community.

Let’s talk
Underbanked families in the US graphic
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Change lives by saying yes to more people with Powercurve® Originations Essentials

Experian can help financial institutions find and approve more consumers while confidently mitigating risk. Learn how to go beyond traditional credit by using expanded data.

The need for financial inclusion by the numbers

Without access to credit, marginalized communities will continue to face challenges. Financial inclusion seeks to bring more consumers into the financial system and enable access to safe, affordable financial services and products. Additionally, it represents a critical step toward closing the wealth gap and helping underserved communities build generational wealth.

106 million

consumers are either credit invisible, unscoreable or subprime.

Source: Oliver Wyman, 2022 Financial Inclusion and Access to Credit

$255 billion

spent in interest and fees on everyday financial services by financially coping and vulnerable households.

Source: Financial Health Network, 2021 FinHealth Spend Report

59% of firms

reported that their financial condition was fair or poor, and firms owned by people of color, smaller firms, and leisure and hospitality firms were in weaker financial condition.

Source: Federal Reserve, 2022 Small Business Credit Survey

48% of black business owners

state “credit availability” is a challenge.

Source: Federal Reserve, 2021 Small Business Credit Survey

Consumers

Tools to help your customers

We have several financial inclusion solutions that you can deliver to your customers and small business owners to help them improve their credit score and impact their financial health.

  • Experian Go™ is a free program for those looking to establish and build credit for the first time.
  • Experian Boost® helps consumers use positive payments on utility and video streaming service bills to improve their credit scores and gain access to more affordable credit.
  • Experian Boost® for Rent helps consumers instantly impact their FICO® Score 8 by adding their rental trades to their Experian credit file.
  • DataShare™ allows you to significantly increase process efficiencies, make faster decisions and streamline the lending journey for small to midsize businesses.

FICO is a registered trademark of Fair Isaac Corporation.

Financial inclusion is doing the right thing, but it also offers lenders several business advantages. More importantly, inclusion opens up tremendous economic opportunities for underserved communities, helping them enhance their financial future.

Natalie Abatemarco, Citi Community Investing and Development

Insights

Tip sheet

Expand growth opportunities by leveraging credit-education and building tools

Grow your business by leveraging credit-building solutions that help empower underserved communities.

Together we can make a difference

Let’s talk about how we can help your business achieve your financial inclusion goals by completing the form below. Ask us how we can help you leverage our consumer tools for your customers.

We are unable to address personal credit report and/or membership inquiries via this business form. Visit Experian.com/help or call 888-397-3742 for consumer assistance.

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