We’ve listened to user requests and created a mobile app that offers a quick and simple way to scan (or enter) a VIN to view AutoCheck Vehicle History Reports (VHRs)! Along with our recently launched AutoCheck Member site, the mobile app continues our efforts to make information and insights easy to access. With AutoCheck VHRs, you can: • Better manage risk and confidently buy and sell the right vehicles • Make more strategic decisions when stocking the right inventory • Have the right combination of information and insights to more strategically market to consumers With the new mobile app and re-designed member site, AutoCheck makes staying informed easier than ever by putting AutoCheck at your fingertips on your mobile device. Leave your notepad on your desk when appraising a trade, and simply scan a VIN to view the VHR instantly. How to get started The AutoCheck mobile app is available for AutoCheck members using Android or Apple phones/tablets. Simply download the app to see how easy it is to access vehicle history reports. Quickly use the app during trade appraisals to pull a VHR on the spot! You can also use the app to quickly scan a VIN, eliminating the possibility of incorrectly “typing” in the wrong VIN. The full VHR is optimized to be easy to read on your mobile device, giving you all the necessary information to make a good acquisition decision. The AutoCheck mobile app also offers members access to a report history to quickly review past vehicle reports you have run. Did you know? AutoCheck has data from over 95% of U.S. auction houses with 99.82% manufacturer coverage of open recall data for vehicles on the road Experian aggregates and analyzes tens of thousands of distinct accident sources; many provided only to AutoCheck We’re the only VHR provider integrated on all the top consumer vehicle shopping sites In this short video, you will see sample mobile and tablet screens including how to enter or scan a VIN, view a Vehicle History Report, and learn how to see recently run VHRs. How AutoCheck can help improve your business You may also be interested in learning how AutoCheck VHRs can improve your business by reading Vehicle Detail Pages with a Free VHR Have Higher Lead and Sale Conversion Rates or how we helped a large insurance company better manage risk in our case study, LexisNexis Helps Manage Risk for National Insurance Company. For dealers interested in learning more about the benefits of becoming an AutoCheck subscriber, contact us today!

Experian recently announced Experian Identity and published an advertorial in American Banker outlining the integrated approach to identity that recognizes the full breadth of the company’s authoritative data solutions that help businesses better connect with their consumers in more personalized, meaningful and secure ways. The efforts address the rapidly changing definition and landscape of identity and take on the importance and needs for identity which span across the entire customer journey. From marketing to a specific consumer’s needs, to facilitating a friction-right customer experience, to protecting personal information. As such, there’s a gap for single-partner providers to help businesses navigate this change, while also putting the needs of the consumer first. “Identity data sets are constantly growing with inputs from new interactions. Many future sources of data have yet to be even conceived or developed,” said Kathleen Peters, Chief Innovation Officer, Experian Decision Analytics. “Staying ahead of the identity market curve is vital, and it requires building and continually evolving an enterprise-scale identity solution that interconnects with your own unique data and systems to create attribute-rich profiles of your customers that work across any identity application. That’s Experian Identity.” Experian Identity underscores the need businesses have to respond to increasing identity needs with interconnected, scalable technology, products and services that optimize the consumer experience.       While the integrated approach announcement is new, the capability is not. Experian has been trusted for decades to secure individuals’ identity around the most important decisions in their lives – think purchasing a car or home, being identified at the doctor’s office, and more. As such, consumers remain at the center of every action. Experian Identity offers identity resolution, verification, authentication and protection, and fraud management solutions that include first- and third-party fraud, account takeover, credit card verification, identity resolution and restoration, risk-based authentication, synthetic identity protection and more. Additionally, we’ve included a special blog post introducing Experian’s identity capabilities from Kathleen Peters on the Experian Global News Blog and additional coverage. Stay tuned for more updates. Experian Global News Blog - Making Identities Personal: Experian Helps Businesses Build Consumer Trust American Banker – Making Identities Personal: Building Trust and Differentiating Your Brand Experian White Paper - Making Identities Personal For more information about Experian Identity, visit www.experian.com/identity-solutions.

Experian’s latest Global Insights Report found that more than half of consumers have increased their online spending in the last three months, and 50% say it will increase in the next three months. Life online is here to stay, and consumer expectations have shifted, giving businesses and opportunity to sink or swim when building trust and gaining loyalty. This spring, Experian surveyed 6,000 consumers and 2,000 businesses across all industries to learn more about how, why, and where consumers are interacting with businesses online. Our research found that: Experience is top of mind, with 81% of consumers saying that a positive online experience makes them think more highly of a brand Digital payment options are on the rise with 62% of consumers using mobile wallets and 57% considering buy now, pay later as a replacement for their credit card Security is still a big factor, but 73% of consumers say the onus is on businesses to protect them online Download the report to get all the latest insights into consumer sentiment and how recent changes are impacting business priorities and investments. Download the report

When extending firm offers of credit, lenders have relied on direct mail to reach their intended audiences. But what if there are more ways to deliver a credit offer?

What goals should you set to make financial inclusion a reality? How can success be quantified? This checklist can help you become more inclusive.

“I saw an opportunity to create change instead of asking for it.” Day 2 was charged up with new technology; new ideas; and new, clearer visions of where we can drive change across our industries. Jeff Softley, President, Direct to Consumer, Experian Consumer Services, illustrated how the consumer is at the center of Experian’s business with countless statistics and how our consumer advocacy drives our focus, growth and mission. Wil Lewis, Global Chief of Diversity, Equity and Inclusion; Hiq Lee, President of Business Information Services; and Alex Lintner, Group President, Consumer Information Services, engaged in a panel discussion centered on reimagining inclusion.         Keynote: Allyson Felix Allyson Felix, five-time Olympian and most decorated Track & Field athlete, kicked off the day with an inspiring keynote touching on her athletic career, taking challenges head-on and using our platforms to make an impact. Felix, who is racing in the first race of her final season this weekend, is a tireless advocate, life-long learner, who seeks to empower others. “We can all start where we are,” she said. “Small things turn into big things.”       Day 2 session highlights From the breakout sessions, the theme of disruption was evident. We dove into how prescreen and prequalification have evolved, a demand that many must adapt to deliver in the post-pandemic world. Financial inclusion was a topic covered across the board, as were the strategies to be enacted to bolster these financial inclusion drivers. One such area addressed was how the rapidly growing buy now, pay later industry advances financial access and inclusion efforts. And speaking of evolution, retention must evolve as well — we heard how retention, recapture and risk strategies are transforming, particularly in the mortgage servicing space. Rapid Model Development and Deployment - Feedback from businesses reflects organizations’ desires for flexible deployment options, flexible integration with existing tech stacks, open source technology and the ability to incorporate multiple data providers. Today’s solutions address that feedback as well as solve for the most rampant market challenges in new, innovative ways.   Strategy optimization with Artificial Intelligence and Machine Learning - Over 50% of financial institutions surveyed are using AI/ML in at least one department. Challenges include data management, operation, evolving the analytics program. ML/AI starts with proper data management. For optimization, templatizing ML frameworks is a necessity.   ID Verification, Authentication and Fraud - There were $56B in identity fraud losses in 2020, $13B of which were traditional identity fraud losses and $43B related to identity fraud scams. Leveraging strategies is necessary to maintain the critical balance required for identity verification and fraud – mitigating losses and risk exposure, drive optimal customer experience, maintain regulatory compliance.   Maximizing Customer Value - The monthly data refresh is a thing of the past. When reimagining account review for risk and marketing purposes, remaining agile is key with increased data freshness for operational efficiency. Keynote: Ashton Kutcher The energy, insights and ideas have been reverberating throughout the venue for the past 48 hours, which set the stage for Ashton Kutcher’s closing keynote. The Chicago Bears fan talked about his career, how hard work wasn’t an option when he was growing up and how part of his assessment process for potential investments – determining whether they create efficiencies in the market – he sometimes thinks of a long-standing, personal benchmark – the air nailer. He talked about his philanthropy efforts, the mission behind his company Thorn, and the ability for people to impact change and achieve "a sense of agency" over the outcome of the future. “That’s the human spirit. That’s the spark that exists – that people understand that you can sit in despair, or you can do something,” he said. It has been an amazing two days – we can’t wait for Vision 2023!

“Disruption has caused enormous amounts of innovation,” said Jennifer Schulz, CEO of Experian, North America. “We must continue to be the disruptors in our industry which takes effort, data, technology, bright minds and vision for what the future will be.” Schulz kicked off the 39th Vision conference with a future-focused keynote delivered to a crowd of more than 400 attendees. Alex Lintner, Group President, Experian Consumer Information Services, talked about the next phase of great, highlighting the digital transformation that has taken place in the generations of the past and the disruption and innovation happening today and in the future. Keynote speaker: Dr. Mohamed A. El-Erian Dr. Mohamed A. El-Erian, renowned economist and author, President of Queens’ College, Cambridge, Chief Economic Advisor at Allianz, Chair of President Obama’s Global Development Council and Former CEO and Co-Chief Investment Officer of PIMCO, spoke about the Fed, inflation, negative interest rates and the labor market, as well as the importance of inclusion. El-Erian, who said he reads the Financial Times religiously, acknowledged that we will make mistakes on the journey as we work to be even more inclusive. To navigate what’s ahead, he said we will need resilience, optionality and agility. “It’s important to connect with information, acknowledge the insecurity, in a language people understand, in order to connect,” he said.     Session highlights – day 1 The conference hall was buzzing with conversations, discussions and thought leadership. Buy Now Pay Later A large audience was in attendance for a session that introduced Experian’s Buy Now Pay Later Bureau™ and explored how it’s the first and only solution of its kind — serving consumers, BNPL providers, financial institutions and regulators. Identity Identity is constantly evolving, and while biometrics and authentication may have become ubiquitous, there is much activity around the concepts of eIDs, identity wallets and identity networks. Experian is making identities personal and helping businesses to recognize, manage and connect customer identities in new ways using data, analytics and technology. Marketing In today’s hypercompetitive world, businesses need to engage the freshest data and increase velocity when it comes to time to market. An average of 120 days won’t cut it. Ascend Marketing speeds time to market and helps achieve higher ROI. Regulatory Landscape With so much happening at Capitol Hill, a panel of experts from DC discussed a number of topics and proposals (and their impacts), including the defense for risk-based pricing, the impact of suppressing negative data, and trending topics like Buy Now Pay Later and data portability. All the while, the tech showcase had a constant flow of attendees with demos ranging from data and decisioning to financial inclusion and technology. This is just the beginning. And as Schulz said, “There’s more to do.” More insights from Vision to come. Follow @ExperianVision to see more of the action.

Rewards are among the most appealing features of any credit card. While upfront benefits, like sign-up bonuses and cashback, are most influential in card acquisition, ancillary benefits, like fraud and identity protection, can amplify a card’s overall value.1 Credit card fraud ranked as the second most common form of identity theft in 2021,2 and is expected to become even more frequent as consumers continue to bank and shop online.3 42% of consumers are concerned for the safety of their banking and shopping transactions. With digital identity theft and fraud on the rise, it’s no surprise that safety measures are “very” or “extremely” important to consumers when deciding between different credit cards.4 In response, many card issuers have started to market their security and protection-related benefits more frequently to better capitalize on their cards’ value to consumers. The ways they’ve highlighted these benefits include: A fraud protection campaign From spotlighting their fraud protection benefits in card welcome kits to providing privacy tips on social media, credit card issuers have crafted compelling campaigns to demonstrate their commitment to protecting their customers from fraud and identity theft. In turn, issuers can differentiate their cards from the competition and improve response rates. Reminders about their fraud prevention efforts Issuers have also sent out ongoing reminders outlining the protections their credit cards offer, such as credit monitoring services 5 that notify cardholders of suspicious activity on their credit report. By consistently promoting their efforts to keep their customers’ accounts and data safe, issuers can earn their cardholders’ trust, build loyalty and drive card usage. While benefits like cashback and travel points can help with card acquisition, fraud and identity protection benefits can help drive long-term customer relationships, especially now that card fraud is becoming a growing concern.6 To learn more about how businesses have worked to meet the consumer demand for secure interactions, check out our 2021 Global Identity and Fraud Report. Learn more 1Jonathan O'Connor. "Most Consumers Aren't Aware of Their Credit Cards' Ancillary Benefits. How Does This Impact Card Acquisition and Usage?" TSYS, January 2019 2FTC. "Consumer Sentinel Network" Data Book, 2021 3April Berthene. "Coronavirus pandemic adds $219 billion to US ecommerce sales in 2020-2021" Digital Commerce 360, March 2022 4"Consumers Consider as Many as Six Factors When Choosing Credit Card" PYMTS.com, December 2021 5David McMillin. "Identity theft is a major problem, but these 5 credit card protection programs can help keep you safe" Business Insider, June 2021 6"New FICO Survey Finds Overconfidence Could Put US Consumers at Risk From Scams" Business Wire, February 2022

While crisis communication can be fairly reactive, it helps to have a crisis response notification plan in place to make the process easier.

Vehicle History and Automotive Intelligence Engine marketing capabilities.

Experian’s in-person Vision conference returns next Monday, April 11 in Los Angeles, Calif. The event is known for premier thought leadership, net-new insights and the latest and greatest in technology, innovation and data science. This year’s agenda promises to have intentional discussions around tomorrow’s trending topics including financial inclusion, buy now pay later, open banking, the future of fraud, alternative data strategies, and much more. A few spotlight sessions include: Top trends including the future application of the cloud and emerging technologies, emerging regulatory legislation and the broader implications and opportunities of DeFi. A deep dive into strategies around the targeting/marketing revolution and how to deliver in the post-COVID-19 market environments and bolster financial inclusion decisions. An introduction to Experian’s Buy Now Pay Later BureauTM, the industry’s first and only solution designed to address the needs of consumers, BNPL providers, financial institutions and regulators alike. A roundup of sessions addressing innovation in action spanning from real-time verifications, to data-driven automation, and unified platforms from data to deployment to decisioning. Several sessions highlighting future-looking strategies and solutions that leverage alternative data that can increase conversion rates while concurrently reducing risk. Multiple sessions centered on the rapidly changing identity environment and combatting emerging fraud threats. The event will also include a Tech Showcase, where attendees can get a taste of tomorrow today with more than 20 demos and the latest innovations at their fingertips. And, as always, the event features marquee keynote speakers sure to inspire. This year’s featured speakers are Dr. Mohamed A. El-Erian, President of Queens’ College, Cambridge, Chief Economic Advisor at Allianz, and Former CEO and Co-Chief Investment Officer of PIMCO; Allyson Felix, Olympic Gold Medalist, co-founder of Saysh, a footwear and lifestyle brand for women, and Right to Play and Play Works ambassador; and the closing keynote will feature actor, investor, entrepreneur and philanthropist, Ashton Kutcher. Stay tuned for additional highlights and insights on our social media platforms throughout the course of the conference. Follow Experian Insights on Twitter and LinkedIn.  

Learn how expanded FCRA-regulated data can be used to gain a more powerful and complete view of consumers' financial situations. Read more.

The best way to improve your organization’s cybersecurity is by conducting a data breach simulation and testing yourself for vulnerabilities.

With more options available and improved infrastructure, we’re seeing more consumers finance alternative fuel vehicles than previous years. Read more!

Experian’s Ascend Intelligence Service platform has been named “Best Consumer Lending Product” in the sixth annual FinTech Breakthrough Awards.