Consumer Information Services

Products and Solutions for Customer Acquisition

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Customer Acquisition Solutions

Acquire new customers with customer segmentation data, credit statistics, behavioral studies and more. With psychographic profiles, specialized research results and analytics tools, you'll be able to identify viable prospective customers, develop more targeted and relevant offers and ultimately improve your ability to acquire new customers.

Select an acquisitions solution to view more information:

  • Credit Profile Report
  • The Credit Profile report is a composite history of a consumer's credit and identification information. It provides accurate, current and complete information to acquire new business, manage customers and maximize collections.

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  • Employment Insight - Employment Credit Checks
  • Employment Insight, a modified version of the Experian Credit Profile report, contains consumer identification, employment history, and credit information used to substantiate information during the hiring or promotion process. It is an effective verification tool that helps employers make informed hiring decisions.

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  • Experian Credit Educator - Credit Education for Customers
  • Experian Credit EducatorSM provides our clients the opportunity to partner with Experian to offer their customers a one-on-one credit education session with a trained Experian Credit Professional Agent. Experian's Credit Educator allows our clients to increase customer satisfaction and loyalty; promote cross-sell opportunities and strengthen their portfolio.

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  • In The Market Models - Purchase Behavior Predictive Response Models
  • Experian has developed a suite of 7 new In the Market ModelsSM that identify consumers who are likely to open a specific account type in the next 30 to 120 days.

    The suite of In the Market ModelsSM predicts purchase behaviors for the following account types: auto, bankcard, home equity, mortgage, personal finance, retail and student loan. They help clients prioritize and refine their campaign strategy to achieve increased response rates, conversion rates and profitability.

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  • Risk-Based Pricing Rule - Risk-Based Pricing Rule Compliance
  • Effective Jan 1, 2011, companies that use a credit report or score in connection with a credit decision must send notice to a consumer when, based on a credit report or score, the company grants credit on material terms that are not the most favorable terms offered to a substantial proportion of consumers. In most cases, the rule defines "material terms" as the loan's Annual Percentage Rate.

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Income Verification

  • Debt-to-Income Insight - Income Verification(Debt-to-Income Ratio)
  • Debt-to-Income InsightSM is a model designed to estimate a borrower's outstanding debt obligations as a percentage of their estimated income. The model leverages the predictive power of Income InsightSM, Experian's premier income estimation model, and market-leading Premier AttributesSM to provide an all-in-one assessment of a borrower's capacity to take on additional debt.

    Debt-to-Income Insight is meant to be a companion product to Income Insight. It is an "add on" service and may only be purchased along with Income Insight. Debt-to-Income Insight's approved uses are the same as Income Insight, and it cannot be used for adverse action.

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  • Income Insight and Income Insight W2 - Income Verification(Income Estimation Models)
  • Income InsightSM and Income Insight W2SM are models designed to estimate a consumer's income. Income Insight provides a comprehensive measurement of total income offering a complete financial picture of a borrower for greater insight into their ability to meet their obligations.

    Income Insight W2 estimates the wage income of a consumer which is especially applicable for low to mid-range income levels where income is comprised mostly from wages. Both models were built using verified income data and are calculated using exclusively credit bureau attributes. In all cases, the models are not to be used as a basis of adverse action.

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