Independent research firm concludes that email marketers are poised to be industry leaders in cross-channel marketing

Posted on Oct 27 2014 by

New research shows email marketers are two times more likely than all other marketers to integrate customer data across all channels According to a commissioned study conducted by Forrester Consulting on behalf of Experian Marketing Services, maturity in cross-channel marketing is low and, despite the adoption of multiple channels in marketing programs, integration and coordination […]

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Big Data can Unlock the Future of Fraud Prevention

Posted on Oct 20 2014 by

More than 10 years ago I spoke about a trend at the time towards an underutilization of the information being managed by companies. I referred to this trend as “data skepticism.” Companies weren’t investing the time and resources needed to harvest the most valuable asset they had – data.

Today the volume and variety of data is only increasing as is the necessity to successfully analyze any relevant information to unlock its significant value. Big data can mean big opportunities for businesses and consumers.

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Experian addresses fraud and cybersecurity challenges as risks mount for banks, retailers and public sector

Posted on Oct 13 2014 by

Experian hosting Future of Fraud and Identity event during National Cyber Security Awareness Month Costa Mesa, Calif., Oct. 13, 2014 — Identity and fraud concerns are a pressing global issue for many industries, including financial services, public sector and retailers. With the rise in security and data breaches, many organizations across the United States are […]

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Experian Marketing Services expands cross-channel consulting program with launch of Marketing Sophistication CurveSM

Posted on Oct 09 2014 by

According to new research from Experian Marketing Services, a recognized leader in data-driven marketing, 90 percent of marketers struggle to move beyond single-channel marketing programs to optimize their marketing across channels or around the customer. The company today announced an expansion of its strategic, cross-channel consulting offerings to address this need and help organizations increase […]

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Experian Consumer Services Launches Spanish-Language Credit Product

Posted on Oct 08 2014 by

Experian Consumer Services in association with Univision Communications Inc., the leading media company serving Hispanic America, recently launched a Spanish-language, credit-focused product and online financial resource center for the U.S. Hispanic community called Crédito y Más.

The new product was developed to improve Hispanics access to credit education and resources. With Crédito y Más, consumers can check their credit score, receive a credit report, and have credit monitoring, among other benefits and access the information in Spanish or English. One of the most valuable features is the Centro de Información™, a robust resource center with articles, videos, financial calculators, a glossary of key credit terms and more.

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Congress Should Take Action to Improve Financial Education In Our Country

Posted on Oct 06 2014 by

How can I improve my credit score?

That’s a question thousands of consumers ask Experian every day. This question is asked even more frequently now that lenders are sending an estimated 120 million credit-score disclosures each year to consumers when they are denied credit or are offered terms that are less favorable than those offered to others. These score disclosures provide consumers with basic information about the score used in a transaction and direct them to the national credit bureaus if they have any questions.

However, when consumers ask Experian how they can improve their credit standing, it’s difficult to respond in an easy and consumer-friendly way. The difficulty arises because, although we want to help, the Credit Repair Organizations Act (CROA) puts substantial roadblocks between credit bureaus and consumers.

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Experian #FinCon14: Thoughts on the expo, our Plutus win and beignets

Posted on Oct 01 2014 by

Just a little over a week ago, I was in New Orleans surrounded by interesting, engaging and financially-savvy people with a common interest.

All of these people were brought together for FinCon Expo, which took place from September 18-21. It was not only a tremendous financial media community networking event, it was an opportunity to learn, grow and find inspiration.

From the Experian perspective, it was an opportunity to further build and focus on our social channels as a way to reach consumers and provide education and dialog around credit and financial empowerment. The two-day conference featured an expo hall where one could score some great information (along with some cool swag), keynote sessions that were led by powerful speakers like Jeff Goins, Farnoosh Torabi and Chris Ducker, and a full daily schedule packed with educational sessions and panel discussions (and of course, a lot of beignets served along the way).

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Data is Good… Analytics Make it Great

Posted on Oct 01 2014 by

The power of data is good.

Couple it with analytics and it becomes great.

Derive real and tangible insight from this process, and you are left with a very potent tool to affect real change and do a lot of good in the process.

At Experian, we have deep experience harnessing the power of data, in fact, we have been doing it since 1897. Using our insights to help merchants and consumers by providing an annual credit reference directory, we were using “big data” before big data was a buzz word.

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Experian ProtectMyID Survey: 93 percent of respondents believe that identity theft is a growing problem

Posted on Oct 01 2014 by

October is National Cyber Security Awareness Month, and Experian’s ProtectMyID® issued its new survey results about cybersecurity. The study, conducted by Edelman Berland, reveals areas where consumers’ identities are the most at risk, including electronic devices and online accounts. The findings show that 93 percent of respondents believe that identity theft is a growing problem yet are not doing enough to address the issue.

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Homeowners are borrowing again, as HELOC lending increased 27 percent in Q2 2014

Posted on Sep 29 2014 by

Experian–Oliver Wyman data reports $120 billion in new home-equity credit loans in past year; Q2 2014 saw new mortgage originations totaling $292 billion Costa Mesa, Calif., Sept. 29, 2014 — Mortgage origination volumes saw an increase of 15 percent in Q2 2014. Home-equity line of credit (HELOC) lending saw the biggest gains, according to Experian, the […]

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Experian Marketing Services launches identity-linkage engine for digital advertising industry to resolve data-quality and accuracy challenges

Posted on Sep 24 2014 by

Experian Marketing Services, a recognized leader in data-driven marketing, today unveiled OmniView™, a persistent data-linkage technology that creates a real-time single customer view, as part of the Experian Marketing Suite. The single customer view, or persistent identity, created by OmniView allows organizations to increase the precision, authenticity and sophistication of their marketing campaigns across channels […]

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[INFOGRAPHIC] Debunking credit myths

Posted on Sep 18 2014 by

School is back in session, but many people still have questions about a subject that is rarely taught in the classroom: their credit. Through its credit education portal, Experian provides people who have questions about credit reports or credit scores with a simple, convenient way to learn more about credit.

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Join Experian at #FinCon14 in New Orleans

Posted on Sep 16 2014 by

Experian is proud to be one of the sponsors and participate in the FinCon 2014 conference, taking place September 18-21 in New Orleans, Louisiana. FinCon is an opportunity for financial media to come together to learn what’s trending in personal finance, share best practices for successful social engagement and how, as a community we can […]

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Experian conducts analysis with Credit Builders Alliance and confirms value of credit building to the financially vulnerable

Posted on Sep 16 2014 by

The following article is a guest post from Dara Duguay, executive director, Credit Builders Alliance.

A good credit history is crucial in today’s economy. Far more than just a number, a good credit score can make the difference in being able to access the affordable lending products necessary to go to college, buy a home, or start and grow a small business. Renting an apartment, paying for car insurance, signing up for utilities and even landing a job can also be affected by a person’s credit history – or the absence of one.

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New sales for alternative-powered vehicles dip for first time since first half of 2009

Posted on Sep 15 2014 by

Over the last few years, there has been a plethora of attention around hybrid and electric vehicles, from both consumers and media alike. Whether it’s due to the fact that consumers have become more environmentally conscience, or that fuel economy standards have begun to take shape, alternative-powered vehicles have steadily risen in popularity. But as the rest of the automotive industry continues to develop more fuel-efficient vehicles, can we expect this “green” car segment to keep growing?

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Harnessing Big Data and Big Data analytics to improve financial inclusion

Posted on Sep 13 2014 by

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As the increased buzz about Big Data has filtered into Washington, D.C., policymakers have sought to learn more about Big Data, the technology that drives it, and the benefits and potential impacts for consumers. To that end, there have been three government reports released over the past year — two issued (1) by the Obama administration that focused explicitly on Big Data and one by the Federal Trade Commission that centered on “data brokers.”

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Perspectives on Debt and Education

Posted on Sep 09 2014 by

The following article is a guest post from Paul Combe, President and CEO of Boston-based American Student Assistance.

According to recent Experian research, student loans were the only type of consumer debt to increase during the recession, growing 84 percent from 2008 to 2014. Today, 40 million Americans carry college loans. The average borrower has nearly four different student loans for a total of $29,000.

Keeping track of multiple loan payments and high debt can mean a rough financial start for newly minted college graduates. Evidence is mounting that student debt could be getting in the way of our economic recovery, as growing numbers of millennials delay forming their own households under the weight of their student debt burden.

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Experian’s Instant Prescreen service selected by American 1 Credit Union and Credit Union of Southern California

Posted on Sep 08 2014 by

Experian® chosen for its integration with Symitar, along with streamlined delivery and advanced real-time decisioning  Costa Mesa, Calif., September 8, 2014 — Experian®, the leading global information services company, today announced that American 1 Credit Union and Credit Union of Southern California selected Experian’s Decisioning as a ServiceSM for its Instant Prescreen service that identifies […]

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Tim Howard discusses building his brand and the value of trusted business relationships at the Experian Marketing Services 2014 Client Summit

Posted on Sep 03 2014 by

Experian Marketing Services, a global provider of integrated consumer insights, targeting, data quality and cross-channel marketing, hosted a fireside chat with U.S. Men’s National Soccer Team goalkeeper Tim Howard at its 2014 Client Summit. In the following video clip from that fireside chat, Howard discusses how he decides to align with brands that match his […]

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Experian’s partnership with Ubuntu Education highlights commitment to social responsibility

Posted on Aug 21 2014 by

At Experian, we have a firm commitment to social responsibility. We show that commitment through a broad range of efforts that help communities realize their social and economic potential by investing in community and education programs that foster the financial health of individuals and small businesses across the globe.

As part of this commitment, Experian has more than 100 employees who are certified as Experian Education Ambassadors. These ambassadors educate consumers throughout the United States about credit reporting, credit scoring, fraud and identity theft and other issues in which Experian has expertise. Presentations take place at youth organizations, schools, colleges and universities, faith-based organizations – anywhere people gather and request information about these important subjects.

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Experian Marketing Services’ 2014 Client Summit reinforces the need for authentic storytelling

Posted on Aug 07 2014 by

Experian Marketing Services, a global provider of integrated consumer insights, targeting, data quality and cross-channel marketing, gathered more than 1,000 top marketing executives from the world’s leading brands for the 2014 Client Summit. The event reinforced the importance of storytelling for marketers and how brands need to deliver exceptional and authentic customer experiences.

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Experian launches platform to manage cross-channel fraud risk

Posted on Jul 29 2014 by

 Precise ID® with FraudNet provides a single view of a consumer’s identity across devices Experian®, the leading global information services company, has announced the launch of a cross-channel fraud platform to better authenticate consumers, validate their mobile devices and identify mobile fraud. The platform combines Experian’s Precise ID®, an industry-leading risk-based authentication service, with FraudNet, a global […]

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Driving with the top down? You’re probably highly educated and very successful

Posted on Jul 25 2014 by

Summertime only comes around but once a year. And when it does, you can always expect to see the sun shining brightly, kids eating ice cream and folks heading to the beach.

While all these may be staples of the season, none are more indicative of summer than seeing someone drive down the highway in a nice convertible with the wind blowing through their hair.

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Ori Eisen featured on BloombergTV

Posted on Jul 25 2014 by

Ori Eisen, founder of the 41st Parameter, a part of Experian, and Frank Abagnale Jr. spoke with Bloomberg TV recently about new major new fraud threats emerging and how Experian can help protect organizations and their customers from becoming victims. Experian’s fraud prevention and identity management business helps clients combat the global fraud epidemic costing businesses […]

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Experian Marketing Services unveils comprehensive end-to-end Marketing Suite

Posted on Jul 24 2014 by

The Experian Marketing Suite enables brands to create and deliver authentic customer experiences across all interaction points Experian Marketing Services today launched the Experian Marketing Suite. Unveiled at Experian Marketing Services’ 2014 Client Summit in Las Vegas, Nevada, the Marketing Suite is a cohesive end-to-end marketing solution that enables brands to create and deliver authentic customer […]

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