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Emerging Credit Score
Broaden your reach

An estimated 50 million to 80 million consumers have little or no credit history and are unscoreable by most traditional models. Capitalize on missed opportunities by addressing consumers who have thin files or no files with credit reporting agencies.

Expand your marketable population

Experian’s Emerging Credit ScoreSM gives you the power to expand your creditworthy universe of applicants and prospects, creating new revenue opportunities and increasing customers’ lifetime value.

Get a complete view of a consumer’s payment behavior

Identify and score consumers with little or no credit reporting agency history, including thin-file/no-hit populations, emerging consumers and alternative financial service transactors.

Mitigate risk with tightly integrated decisioning

Better predict the performance of customers with limited traditional credit and better manage deposit or fee strategies.

Features

Segment emerging consumers for meaningful prospecting

Leverage more than 25,000 attributes commonly incorporated in the model development process, including:
  • Demographics
  • Internet, catalog and direct-marketing purchases and payments
  • Trades, inquiries and public records
  • Property and asset records
  • Telecommunications and utility data
  • Industry specific and custom scores

Multiple users and purposes

Experian’s Emerging Credit Score provides a valuable set of tools for a wide range of service providers:
  • Auto lenders
  • Consumer finance and retail credit cards
  • Credit unions
  • Energy providers
  • Health care revenue cycle management providers and hospitals
  • Large, vertical resellers
  • Mortgage lenders
  • Retail banking
  • Subprime lenders
  • Telecommunications and wireless providers

Gain competitive advantage and acquire profitable customers

Implement credit strategies and offer cost-effective services to a broader audience while mitigating risk.

To find out more about this product, please call us at 1 888 414 1120.


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For more information, please contact us at 1 888 414 1120.