Across financial services, conversations centered about the power of data, including insights gathered through open banking, are becoming more common – for good reasons. These insights offer a dynamic and holistic view of consumer financial health, capturing not just what has happened in the past, but how consumers are managing their money today.
At Experian, we’ve always believed in the power of data to drive financial inclusion. That’s why we’ve combined the full strength of our industry-trusted credit data and alternative data assets with rich, consumer-permissioned cash flow information to create something entirely new: the Experian Credit + Cashflow Score. This innovative model harnesses the unmatched depth and quality of Experian data to deliver a more predictive, fair, and forward-looking view of creditworthiness.
We’ve long believed in a future where the power of credit data is augmented by cash flow insights to drive inclusion. And with this new score, we’re taking an important step forward in making that vision a reality.
Credit + Cashflow Score serves as a catalyst for a transformative shift in how lenders evaluate creditworthiness. One where innovation and inclusion move hand in hand. This is the latest example of how Experian is moving the industry toward a more connected, transparent, and equitable financial future.
Bringing the Best of Credit and Cash Flow Together
This is the first credit score to combine the predictive strength of consumer-permissioned cash flow data with our industry-trusted, differentiated data assets, including:
- Credit data, detailed credit account information on more than 220 million U.S. consumers.
- Trended data, providing a 24-month view of how consumers manage credit over time.
- Clarity Services data, the nation’s largest alternative credit bureau, expanding visibility into tens of millions of consumers who use nontraditional financial services and may otherwise lack traditional credit histories.
By merging these powerful sets into a singular score, we’re helping lenders unlock a more complete and accurate understanding of consumer creditworthiness – enhancing predictive performance by over 40% when compared to conventional credit scores.
Simply put, Experian Credit + Cashflow Score represents the next generation of credit scoring—bringing together the power of traditional credit data and real-time bank transaction insights to create a smarter, fairer system that works better for everyone.
Powering Financial Opportunity for All
The future of credit decisioning is transparent, inclusive, and powered by data that truly reflects how people live today. As we look forward to this, it’s critical we lean not just on the data itself, but on the infrastructure, trust and stewardship that support it.
We are uniquely capable of meeting this moment and enabling our clients to leverage the combined power of cash flow information and differentiated data at scale to drive better consumer outcomes, expand access to credit and ultimately bring financial power to all.
As lenders embrace open banking and real-time analytics, Experian is setting the standard for what’s next: responsible innovation that balances opportunity with trust.