Experian solutions in Canada
Credit Information Services
Credit Scoring
Strategy Management
Performance Maximisation – Strategy Optimization
Data Quality Services
Direct Marketing Services
Digital Services
Fraud Solutions
Commercial Lending Solutions
Automotive Database Services

Press releases:
Experian acquires Northern Credit Bureaus, Inc.
Experian Names Anthony Canapini as Country Manager of Canada

Useful links to Experian companies and partners:
QAS
Baker Hill
CheetahMail
Northern Credit Bureaus, Inc.

For further information on Experian’s services in Canada, contact:

Experian Canada, Inc.
150 King Street West
Suite 805
P.O. Box 68
Toronto
Ontario M5H 1J9

Natalie Dadwah
Office Manager

T: 416 313 2000
F: 416 593 8466
E: natalie.dadwah@experian.com
Attention consumers: For questions regarding your personal credit report,
please call 888 826 1718.

Credit Information Services

Over the past four decades, Experian has developed core competencies in acquiring, processing, managing and operating very large and complex databases that underpin its global information solutions. Experian uses its proprietary technology to assemble, organise, maintain and update vast amounts of detailed data. It then applies proprietary search and match systems and application software to deliver a wide variety of credit reports and services that address the information needs of financial services companies and lenders across multiple sectors.

Credit reporting agencies exist to make it quicker and easier for individuals to obtain finance and to help lenders make responsible lending decisions. Experian provides this service in thirteen countries, and now through Experian's acquisition of Northern Credit Bureaus, Experian will be providing credit bureau services in Canada. Read press release.

Credit Scoring

For nearly three decades, Experian has developed and refined a global expertise in statistical analysis and scorecard development to enable clients to make consistent, high-quality and efficient decisions about credit risk, customer marketing and account management.

Experian analytics and scores are used throughout every phase of the customer life cycle from new account acquisition, to cross-sell and account management, through to collections and recovery.

Strategy Management

Strategy Management solutions help companies to make more intelligent, faster decisions throughout the customer life cycle, about whether to accept a new (and unknown) customer, extend the credit arrangements for an existing customer or target them with new products.

Strategy Management is used at every point of the relationship with a customer, from first targeting and accepting the customer into the organisation, to monitoring their performance and determining when would be the best time to offer new or additional products. In the event that an account falls into arrears, Strategy Management can define what processes to adopt with regard to managing the account through to collections and recovery, including suggesting appropriate follow-up actions at every stage of the process.

Performance Maximisation – Strategy Optimization

Strategy Optimization helps companies make the best decision about each account in a portfolio to yield the highest profit and return on investment.

Extending the benefits of Strategy Management solutions, Strategy Optimization maximises profit and return on investment by identifying the most profitable decision for each and every customer interaction. These decisions are made while satisfying business goals and operational constraints and addressing the customer’s needs and preferences.

Data Quality Services – QAS

Research in 2005* showed that 73% of organisations worldwide believe that inaccurate data costs them money and 75% admitted that potential revenue is lost through missed business opportunities from not being able to use poor quality data to find or profile customers and prospects.

QAS, a leading supplier of address management solutions and an Experian company, is a market leader in data integrity, supporting more than 9,600 customers globally. With it’s QuickAddress Pro software, QAS offers the most comprehensive range of data quality services in the marketplace bringing to market sophisticated data integrity solutions which enhance the quality of clients’ data.

QuickAddress Pro helps organisations capture accurate address data and conserve data integrity over time. This helps to enhance the experience of the customer dealing with that organisation and reduces the costs associated with poor data, increasing its ability to grow revenue through improved targeting and aiding compliance with data regulations.

Direct Marketing Services

Experian enables clients to communicate effectively with their customers through multiple channels. Experian helps clients target consumers and businesses for customer acquisition, development and retention campaigns, managing and executing those campaigns and finally, measuring and refining marketing strategies.

Experian is one of the world’s largest information providers and arms clients with the ability to identify customers (list), understand customers better (list enhancement) and predict response and purchase behaviour (analytics). Experian’s breadth, depth and quality provide it with a clear competitive advantage.

In Canada Experian operates in partnership with Interact Direct to provide list marketing services focused on Direct mail.

Digital Services – CheetahMail

Fraud Solutions

Experian offers a range of fraud prevention tools which are used by hundreds of the world’s leading financial institutions. By sharing valuable and timely information about known fraudulent applications and transactions with other business sectors nationwide, greater fraud prevention success can be achieved.

Experian’s fraud solutions which can be offered in Canada include:

Anti-money laundering software which enables financial institutions and other businesses to track, detect, manage, investigate and report suspicious activity.

Experian Detect provides significant savings to credit grantors as it highlights fraud at the point of application, instantly, in real-time, before the loan or personal finance facility is granted.

Hunter identifies fraudulent new accounts or claim applications throughout the financial services, telecommunications, retail and insurance sectors.

Commercial Lending Services – Baker Hill

Acquired in August 2005 by Experian, Baker Hill has been focused on the banking industry for more than two decades delivering solutions that address the needs of banks, when lending to small and medium sized enterprises, and working as a trusted advisor to its banking clients. Baker Hill understands banking processes, knows how to implement technology to enable those processes, and has a long history of client success. More than 1,100 financial institutions in all segments have drawn on the company’s business expertise to improve critical processes, and have chosen Baker Hill’s relationship management, credit origination and portfolio risk management solutions as their enabling technologies.

The solutions offered combine client management systems with process-flow solutions and can be easily integrated with an organisation’s existing technologies to improve customer service.

Automotive Database Services

Experian provides vehicle history information in Canada, the US and the UK and now Italy, to help manufacturers, dealers, finance providers, insurers, auction houses, government agencies and consumers to understand the risk associated with any given vehicle.

Vehicle history information is used to establish whether a vehicle is currently registered as stolen, has outstanding finance or has been registered as a write-off. A vehicle history check can also establish the market value of a vehicle, whether or not the vehicle has changed owners or been imported and the accuracy of the odometer reading.

In Canada, Experian offers vehicle history reports through its CDN partner, CarProof located in London Ontario. CarProof enhances Experian comprehensive automotive data with additional Canada specific insurance claim and lien information.