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Acquire the most profitable consumers while minimizing risk using credit information, advanced scoring software, prescreening systems and application decisioning tools. For companies looking to acquire business customers, Experian offers business reports and public records, portfolio data and risk modeling tools which allow clients to create comprehensive profiles of business prospects. Determine which businesses are well-capitalized and financially suited for customer acquisition.
Evaluate risk associated with customer acquisition using the following products and services:
- Consumer Focused Products (for lenders and non-lenders)
- Commercial Focused Products (for lenders and non-lenders)
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Risk-based Pricing Rule For companies that use credit reports or scores to make lending decisions, the compliance deadline for a new Risk-Based Pricing Rule is quickly approaching. |
BizIDSM
Improve operational efficiencies by authenticating a business applicant in a single transaction. Biz ID searches multiple databases to verify business name and business owners while helping meet compliance requirements.
Business Owner Profile
Understand how an owner’s personal finances may impact their small business’ financial risk with this comprehensive personal credit report designed for business use. Includes Office of Foreign Assets Control alerts (OFAC) and fraud checking.
Business Summary
Quickly verify a business is active or approve small dollar amounts. Provides a summary of information available in a full credit report.
Business Profile Report
See a complete view of risk with this comprehensive business credit report, including legal filings and collections, public records, trade payment experiences and performance analysis.
Credit Risk AdvisorSM
Designed for financial services professionals, this product scores, analyzes trends and supplies payment history.
Decision InsightSM
Automate approvals for new customers using preset, customizable rules that reflect your company’s credit policy. Combines automated decisioning with the Intelliscore Plus score.
Intelliscore PlusSM
Make quick, accurate decisions using Experian’s strongest commercial risk score. This all-industry model provides two types of scores — a business risk score and a blended business/owner score.
International Profiles
Get credit reports on businesses in over 200 countries. United Kingdom profiles are delivered in real time. International Developed profiles are created to order. Information includes financial trending, financial statements, risk scores and trade information.
Small Business Credit Share ReportSM
Get exclusive access to detailed payment information. The report is exclusively for Small Business Credit Share data consortium members. It expands on the Business Profile Report with in-depth 36-month payment history on financial relationships and trade lines.
Strategy ManagementSM
Combines scoring, analysis, testing and simulation features to determine which companies will make good business customers.
CONSUMER FOCUSED PRODUCTS
Attribute Toolbox™
Analyzes credit and non-credit data to create a more precise risk score and more accurate acquisition strategy.
Credit Card Verification
Prevent the acquisition of unscrupulous customers by authenticating cards and card users during transactions.
Custom Scoring Models
Achieve better acquisition results using highly segmented data and advanced scoring models.
Debt-to-Income InsightSM
Better understand the risk in your portfolio through greater insight into the overall debt capacity of your customers.
Fast StartSM
A combined scoring and consultation tool that enables you create custom industry-specific scoring models based on unique criteria.
Fraud ShieldSM
Identifies inconsistencies between a customer’s credit application information and credit report data.
Fraud ShieldSM Score
Gain market insights that tell you how your customers compare with the overall B2B marketplace, plus learn their lifestyle attributes, market penetration rates and more.
Income InsightSM
Enhance your ability to assess a customer’s complete financial picture through in-depth insight into their overall repayment ability.
Knowledge IQSM
Ideal for Internet or telephone transactions, this identity authentication tool presents challenge-response questions to prevent unauthorized card usage or the opening of a fraudulent account.
Optimization for Acquisitions
Maximize acquisition strategies to achieve organizational goals through the design optimized marketing strategies that effectively balance risk versus reward to create immediate and long-term profitable customer relationships.
Precise IDSM
Scores applicants and provides advanced decisioning to determine terms and lines of credit to extend to new customers.
Prescreen
Qualifies and segments your prospect list according to your unique credit criteria so you can target consumers most likely to respond to your credit offers.
Risk-Based Pricing
Determine the ideal product pricing tier breaks and interest rates to maximize portfolio profitability and create a competitive advantage.
Social Search
By referencing Social Security numbers to verify identity, it helps locate individuals who’ve skipped and may have changed their name and address.
Vantage Score®
Make risk management decisions with improved, consistent prediction power by leveraging data from all three national credit reporting companies.
