Industry News

The Facts on Court Ventures and Experian

Posted on Mar 30 2014 by

It’s no surprise that cybercrime and data breaches are hot topics for media and bloggers these days.

Unfortunately, because of all the attention paid to these topics, we’ve seen some inaccurate information about Experian circulating in news outlets and other Web sites.

I want to take a moment to clarify the facts and events, including Experian’s involvement in the case involving Court Ventures, a company that collects and aggregates information from public records; US Info Search, a company that provides location and other data for people and companies; and a criminal named Hieu Minh Ngo.


Experian Marketing Services’ 2014 Digital Marketer report shows social media continues to be influential source of traffic for retail

Posted on Mar 27 2014 by

Pinterest is the top social media traffic driver for retailer Websites; is the top source of traffic from social sites. According to new research from Experian Marketing Services, a global provider of integrated consumer insight, targeting, data quality and cross-channel marketing, social media Websites are playing an increasingly important role in driving traffic to […]


Experian awarded industry leading data security certification

Posted on Mar 19 2014 by

Ernst & Young audit provides Baker Hill® products with SSAE16 SOC 2 and 3 certification Experian®, the leading global information services company, announced that the American Institute of Certified Public Accounts’ (AICPA) has awarded the Service Organization Control (SOC) 2 and 3 level certification (formerly SAS 70 reports) for its Baker Hill® products — Baker Hill Advisor® and Baker […]


A year in review: A look back at 2013 automotive market trends

Posted on Mar 17 2014 by

Over the years, one of the lessons that I’ve learned is, to prepare for the future you must understand the past. The same lesson can and should be applied to the automotive industry. As manufacturers, aftermarket companies and retailers continue to move their businesses into 2014 and beyond, it is always beneficial to take a moment and assess what happened in years past.

For example, according to Experian Automotive’s Quarterly Report: A look back at the 2013 automotive market share trends, the overall automotive market decreased slightly, with approximately 900,000 vehicles taken off the road from a year ago. Additionally, there were 98 million vehicles within the aftermarket “sweet spot” (vehicles between model years 2002-2008), which means a good number of opportunities (vehicles out of warranty) are available for aftermarket companies. However, with a shortage of model year 2009 vehicles due to low sales volumes, we can expect this number to decrease next year.


Experian Marketing Services releases sixth annual Digital Marketer report with results of new global cross-channel marketing survey

Posted on Mar 13 2014 by

Experian Marketing Services, a global provider of integrated consumer insight and targeting, data quality and cross-channel marketing, today announced the release of The 2014 Digital Marketer: Benchmark and Trend Report, the marketing industry’s go-to resource, now in its sixth year, for key industry benchmarks, consumer insights and data. In addition to benchmark and trend data, the 2014 edition features the results of a new cross-channel marketing survey conducted by Experian Marketing Services in more than 20 countries throughout Europe, North America and Asia. According to its results, the survey shows that 80 percent of marketers plan to run cross-channel marketing campaigns in 2014 and more than half of marketers plan to integrate their marketing campaigns across four or more different channels.


Improved housing market doesn’t lead to improved business credit within construction industry

Posted on Mar 11 2014 by

As a child, one of the things we all learn is cause and effect. If someone is hungry, then they eat food. If someone is tired, then they take a nap. So logically, one can infer that since we are seeing a recovering housing market, more people will want to buy houses, thus creating a need for more homes to be built.

But that’s what makes the findings from Experian’s Q4 Metro Business Pulse analysis all the more intriguing. Although the housing market is showing signs of improvement, the construction industry continues to struggle with below-average business credit health, including a lower-than-average risk score, paying their bills more days beyond contracted terms, had higher bankruptcy rates and had a greater percentage of delinquent debt than other industries.


Five Truths About Marketing Information Service Providers (aka “Data Brokers”)

Posted on Mar 07 2014 by

In a world where customized advertising is delivered directly to the right group of people in the most targeted ways, it’s hard to remember that life wasn’t always this convenient.

Because marketing information service providers (aka: “data brokers”) play such an important role in our lives and our economy, I thought I’d share five little-known facts about the marketing data industry.


Consumer trust isn’t just a philosophy, it’s our way of doing business

Posted on Mar 03 2014 by

Every organization that touches consumer data is responsible for creating and maintaining consumer trust writes Rick Erwin, President of Targeting at Experian Marketing Services, in a recent issue of Direct Marketing News.

Erwin, a direct marketing industry veteran and DMA board member, challenges the data industry at large to adopt strict guidelines and business principles that further consumer trust and effective data stewardship.

Most organizations within the data industry realize the need for greater consumer education around privacy, but how do we address that need and put it into practice? At Experian Marketing Services, for example, we are guided by balance, accuracy, security, integrity and communications, the five tenets of our Global Information Values.


Sundance Film Festival & Finances?

Posted on Jan 17 2014 by

Experian is excited to participate in the 2014 Sundance Film Festival in Park City, Utah! We’re lucky to have some great stars stopping by our Experian Coffee Bar to answer some questions about their films. Check out the action on Sundance Channel on the following days and times:


What’s the rest of your generation driving?

Posted on Jan 06 2014 by

Experian’s State of Credit report recently highlighted the credit savviness of four generational groups, and showed how differently they manage their financial obligations. As you’d expect, there were several intriguing findings, so we extended the research to see how these same generational groups would differ when it comes to buying a vehicle.

In a recent analysis of market trends in the automotive industry, Experian Automotive looked at vehicle registrations, and examined the car buying habits of Millennials (up to 32 years old), Generation X (33-48 years old), Baby Boomers (49-67 years old) and the Silent Generation (68-85 years old).


A holiday gift from the automotive credit world – interest rates at an all-time low

Posted on Dec 09 2013 by

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With less than a month left in the year, what does your to-do list look like? Finish holiday shopping? Jotting down your resolutions for the new year? Or perhaps you plan on heading down to the car dealership to take advantage of the great end of year sale offers. If it’s the latter of the three, you might just be in luck, because it’s a very good time to purchase a new vehicle.

According to Experian Automotive’s Q3 State of Automotive Finance Market report, the average interest rate for a new vehicle loan hit 4.27 percent, down from 4.53 percent a year ago. This marks the lowest rate we have seen, since Experian began publicly reporting the data in 2008.


Experian Named a Top Workplace by The Orange County Register

Posted on Dec 06 2013 by

top-placesIt was extremely gratifying to see Experian named a Top Workplace by the Orange County Register this week.

No surprise to me. (Though I may be partial.)

To be sure, this is an important milestone. Although we have been part of the Orange County community for 40+ years, this is the first time we have participated in the Top Workplaces Survey. Additionally – and importantly – this was a recognition that was earned by the feedback of our employees who genuinely appreciate their work environment and the Experian culture. That means we, as a company, are putting the right focus on our our employees – or as we prefer to call them, our team members.

It was further gratifying when Steve Churm, vice president of the OC Register and Freedom Communications, said: “The Orange County Register’s top workplace initiative identifies 100 companies that truly understand the essential link between a positive corporate culture and bottom line performance and growth. Experian is one of those great companies in the heart of Orange County that recognize their key assets are their employees, and that their well-being and growth drives Experian’s success.”


Experian and the Small Business Administration lending a hand to small businesses

Posted on Nov 13 2013 by

Owning your own business is what many perceive to be as the American dream. And if you’ve been fortunate enough to make that dream a reality, then you’ve certainly heard how indispensable your business is to the country’s economy. But as invaluable as your small business is, many small business owners face daily challenges when it comes to sustainability, profitability and growth.

For the last year, Experian and the Small Business Administration (SBA) have lent a helping hand to small businesses that are facing those types of challenges. As a part of their efforts, all Historically Underutilized Business Zone (HUBZone) firms and small businesses that are considered to be socially and economically disadvantaged under the SBA’s 8(a) business development program have full access to BusinessIQ Express.


Top five models show Northeast and Midwest on opposite ends of the new vehicle spectrum

Posted on Oct 29 2013 by

Grab a pen and paper. Jot down some differences between the Northeast and Midwest. What came to mind? Maybe it was the bright city lights of the Northeast versus the Midwest’s starlit farms? Or maybe it’s the city’s busy streets compared to quiet open fields? What you may or may not have written down is that Northeasterners prefer to drive more import vehicles than the folks in the Midwest.

According to Experian Automotive’s mid-year review of automotive market trends, in the first half of 2013, the top five new vehicle models in the Northeast region were all import brands. Conversely, as one might have guessed, American-made vehicles dominated the Midwestern roads. In the Northeast, the list was made up of the Honda Accord, Honda CR-V, Toyota Camry, Honda Civic and Nissan Altima. Out in the Midwest, Ford vehicles made up four of the top five and the Chevrolet Silverado 1500 filled out the list. The top five in order included the F-150, Fusion, Escape, Silverado 1500 and the Focus.


Experian’s Database Not Accessed by Scammer

Posted on Oct 21 2013 by

Today I’ve been reading sensational and very misleading headlines saying things like “Experian Sold Consumer Data to ID Theft Service” and “Experian Duped into Selling Social Security Nos.”

Let me share with you the actual – and factual – events that led to the investigation and subsequent arrest of the suspect in the case surrounding Court Ventures and US Info Search.

The suspect in this case obtained access to US Info Search data through Court Ventures prior to the time Experian acquired the company.

To be clear, no Experian database was accessed.


ReadyForZero Adds VantageScore 3.0 to Its Industry-Leading Personal Finance Tool

Posted on Oct 17 2013 by

This guest post is from Rod Ebrahimi, CEO of ReadyForZero

At ReadyForZero, our focus has always been on helping people pay off debt and take control of their finances so they can begin building wealth. It’s a mission that has inspired us since our very first user.

We started out very small, when I helped my girlfriend make a spreadsheet to organize her student loans. After that, my co-founder Ignacio Thayer and I realized that many of our friends and loved ones had debt. We decided it was our challenge to create a tool that would help them. Focusing on this mission has helped us create the best debt management tool in the industry. Our users are regular people all across the U.S. who are tired of being burdened by their debt and ready to become debt free.


Experian honored by the National Foundation for Credit Counseling for its Commitment to Financial Literacy; CEO earns NFCC’s “Making the Difference” Award

Posted on Oct 14 2013 by

Underscoring Experian’s goal to help consumers and be an advocate for credit education, the National Foundation for Credit Counseling (NFCC) last week awarded Victor Nichols, CEO of Experian North America its “Making the Difference” award from at their Annual Leaders Conference in Denver.

This prestigious award is presented to organizations that have made significant contributions to assisting consumers with financial literacy, awareness and education, furthering the NFCC’s mission, visions and programs through a national presence.

Mr. Nichols attended the conference to accept the award and to speak to the attendees about Experian’s vision and commitment to financial literacy and consumer empowerment.


Experian Acquires Device Identification Leader 41st Parameter

Posted on Oct 01 2013 by

Consumers around the world are increasingly reliant on a variety of Internet-connected devices for everything from banking to shopping to entertainment and media. Creating relevant on-line customer experiences and preventing fraud are large and growing business challenges.

41st Parameter’s patented device identification technology will enable Experian clients and their consumers to interact on the web effectively and securely, recognizing consumers to reduce fraud losses.


Experian Automotive and ScreenBid team to keep Breaking Bad memories alive

Posted on Sep 30 2013 by


If you’re anything like the millions of people who counted down the hours until the Breaking Bad series finale, then you too were sitting on the edge of your seat waiting to see how it would all end. But now that it’s all over, what do we have to keep the memories of a show that’s captivated us for the last five years?

Fans of the show don’t have to look too far to answer that question, as vehicles used during filming are now up for auction through ScreenBid, the world’s best source for certified authentic, screen-used Hollywood memorabilia and collectibles. Experian Automotive has also joined in the effort to preserve the show’s history, as it’s providing complimentary AutoCheck vehicle history reports on most of the Breaking Bad vehicles up for auction through the ScreenBid website.


Why I’m Inspired by Experian’s Latest Leadership Announcement

Posted on Sep 24 2013 by

Sr. Appt. Headshots

Today Experian announced five high-level appointments to its North American Credit Services group. Filling these crucial leadership roles are five seasoned women who have a proven track record of success with Experian. These women include:


Growth in home purchases and decrease in refinances suggest strength in real-estate recovery

Posted on Sep 19 2013 by

An analysis of trends shows that mortgage originations have increased by 10 percent from a year ago. More important, a look at the most recent completed quarter shows a 29 percent increase in home purchases from the prior quarter and a decrease in the number of refinances, suggesting a sustained recovery is beginning to come from purchases. These findings and others were part of the quarterly analysis from Experian that examines real-estate trends.

The key statistic in the real-estate market is the change in the ratios of refinances versus home purchases, with purchases making up a much greater proportion of the total origination volume. The data from Experian’s IntelliView product indicates that despite a 7 percent decrease from the previous quarter in refinancing activity, home purchases grew by 20 percent year over year and 29 percent quarter over quarter, and this is where we can begin to see some of the real-estate recovery taking place.”


Bankcard origination volumes increased by 21 percent from the same quarter one year ago

Posted on Sep 18 2013 by

An Experian analysis of bankcard trends from Q2 2013 showed a 21 percent year-over-year increase in bankcard origination volumes, equating to $12 billion increase in new bankcard limits issued. Other insights offered by Experian, the leading global information services company, include record lows in early-stage bankcard delinquencies.

Bankcard originations continue to track with the recovery in terms of steady growth. While we may never hit the volumes we saw in 2007, the consistent growth rates that we are currently seeing in bankcard originations signal that the market is coming back online.


60 Minutes Story: Misleading Representation of Credit Reporting Industry

Posted on Aug 26 2013 by

As you may have seen, 60 Minutes ran a story on the credit reporting industry tonight, and unfortunately, much of the story was inaccurate and misleading.

As we said when it first aired, many parts of the story did not accurately reflect the facts that have been validated by independent third party studies, the industry’s position or Experian’s position. As such, we would like to clarify our industry position and specific allegations about Experian’s practices.
>> Read More


Experian Releases Findings from its New Metro Business Pulse Analysis

Posted on Jul 22 2013 by













You’re sitting at home thinking about opening up a new business…maybe you’re just planning on relocating an existing office…or maybe you’re looking to do business with a new vendor. Whatever the situation may be, you have to ask the question, which cities are primed for new business opportunity? Where are businesses performing at a high level? Are businesses in City A paying their bills faster than City B?


Experian Consumer Services Honored with the Best in Class Call Center Award

Posted on Jun 26 2013 by

Experian Consumer Services (ECS) was recognized as the winner of the “Best in Class Call Center” category at the industry-leading Call Center Excellence Awards at the recent Call Center Week’s Awards Luncheon.

The winners were announced by, a division of the International Quality & Productivity Center (IQPC), in front of 1,200 customer service executives at the 14th Annual Call Center Week, the largest, most comprehensive call center event in the world.

The Experian Consumer Services call center is comprised of hundreds of employees who deliver a personalized experience assisting customers with credit- and identity theft-related issues. The center is built on the philosophy of E3: Exceptional Experiences Every time, which allows the team to retain internal and external customers, attract large partners and drive continuous improvement at every touch-point.