Welcome to the Experian Thought Leadership Hub

Standard credit scores overlook crucial financial behaviors, leaving 62 million U.S. consumers that are thin file or credit invisible without a score.

With alternative data, lenders can:

• Expand reach with precision
  
• Effectively mitigate risk
  
• Maximize ROI

Relying solely on traditional credit scores can leave you with a limited view into consumers’ financial stability.

See how integrating alternative data can help you:

• Identify more qualified borrowers
• Spot potential risks
• Strengthen portfolio performance

Loan loss analysis is an effective way for lending institutions to drive smarter business decisions by identifying loans that have been lost, where they’ve been booked, their key characteristics, and how they’ve performed.

With loan loss analysis, you can gain visibility into: 

• What type of financial institution did that applicant book with (bank, credit union, finance company, etc.)? 
  
• What was the average loan amount, and were others offering more or less? 
  
• What was the estimated interest rate, and how did it compare to yours? 
  
• What was the loan term length? 
  
• What was the average risk score? 

Accessing this information can help your organization validate your lending policies or find out where you can make adjustments to remain competitive in the market and win more business.

Experian's 2025 Future of Fraud Forecast reveals five emerging fraud threats that could challenge businesses and consumers in 2025.

Key insights:

• This year’s predictions show that fraudsters will continue to double down on the digital landscape and leverage Generative AI (Gen AI) to commit sophisticated crimes at a rapid pace.
  
• Half of consumers surveyed said they are concerned about conducting activities online.
  
• 75% of companies cite cybercrime as a top concern.

View our infographic to discover how you can increase revenue and empower your customers to stay informed, avoid delinquencies, and improve their financial well-being.

Here’s a sneak peek of what you’ll find:

• Market trends: Gain insight into the current interest rate environment and its effects.
• Consumer expectations: Learn how to meet rising demands for proactive financial support.
• Financial wellness and identity protection: Discover how credit monitoring and alerts can reduce fraud and help consumers manage their credit more effectively.

Financial institutions need to understand how well a score predicts behavior, such as payment delinquency or bankruptcy, to make more confident lending decisions. By conducting score validations regularly, organizations can ensure they're using the latest data to optimize their lending strategies.

The results of these score validations can be affected by:

• A dynamic economic environment
• Changes in regulation
• Scorecard degradation

Download this infographic to learn more about the importance of regular score validations and how it can have a significant impact on your business.

Learn how Risk and Retention Triggers℠ can help you gain deeper insights into the health of your portfolio.

Our solutions enable you to:

• Mitigate portfolio risk
  
• Strengthen customer relationships
  
• Increase customer lifetime value

Did you know that U.S. residential electricity prices have risen by 25% over the past five years? ¹ Download our tip sheet to learn four strategic actions that utility and telecom service providers can take to navigate current collection challenges and dramatically transform outcomes.

Explore how to:

• Successfully prioritize and implement a data-driven strategy.
• Ensure accurate contact data with skip-tracing tools.
• Leverage technology and AI/ML models to improve operations.
• Enhance the customer experience by tailoring interactions.

1. U.S. Energy Information Administration

While lenders like credit unions, CDFIs, and MDIs help bridge the gap to financial possibilities for consumers and small business owners, navigating the financial inclusion landscape can still be challenging. Allow Experian to guide you to business growth within underserved communities – helping you to find and approve more consumers while confidently mitigating risk. Learn how our portfolio of data and analytic solutions helps drive your business goals at every turn. We specialize in providing strategic consulting to help you elevate your financial inclusion approach.