If you asked me how I’d feel about taking a personal finance class in school when I was growing up in a small town near St. Louis, Missouri, I probably would’ve told you it sounds better than trigonometry and chemistry on the list of classes I had to take. They weren’t my best subjects.  Now that I’m a few years older, and I hope a bit wiser, I can promise you I would answer that question a lot differently if asked today.   I now know there are some instances in life where it makes sense to learn by making mistakes, but money is not one of them. Like many people, I had my first experience with credit and money management when I took out a student loan. I was the first person in my family to go to college, so we didn't know what we were getting ourselves into. Unfortunately, I learned the impact of poor borrowing habits and high interest rates the hard way – for many, many years.  Learning about money, and especially credit, by making mistakes can lead to long term damage to your financial health, which is one of the many reasons I’m passionate about financial education in schools today. Effective financial education programs will help young adults be more successful older adults.   We know that if a young person has a basic understanding of how credit works, they tend to be less likely to overextend their credit card use. It’s one of the reasons Experian was the first in its industry to invest in youth financial education, as a founding partner of the Jump$tart Coalition for Personal Financial Literacy two decades ago. Over that time, we’ve continued to support the organization.   Eleven years ago, we launched the Jump$tart National Educator Conference that offers teachers around the country tools and information about personal finance to take back to their classrooms. Last year, more than 350 teachers attended the conference. This year alone they will teach more than 48,000 students across the country about personal finance. It's been a very powerful partnership.  While we’ve made a lot of progress in educating our youth about personal finance, there is still a lot of work to do. As of this year, 21 states across the U.S. require high school students to take a personal finance course, an increase of 4 states since 2018, according to a recently released report from the Council for Economic Education.   This report also reinforced the idea that students who receive financial education borrow more sensibly. They tend to look at low-cost over high-cost financing options and they are more likely to apply for aid, receive grants and accept federal loans, which all tend to be lower interest forms of borrowing. Applying for grants or low-cost financing options could have made a serious impact on my financial health as a young adult. Considering student loan debt has now reached $1.56 trillion, it’s time we all start paying more attention to the positive impact financial education can have on our young people as well as our economy.   Not only is financial education in schools the right thing to do, we know it’s something students want. We recently surveyed a group of more than 500 high school graduates to learn what they want when it comes to finance and credit education. Some key findings include:   49% of Gen Z consumers surveyed said they found financial topics to be somewhat interesting or very interesting—and 11% of them even said they loved learning about them.  Only about one-third—36%—of Gen Z consumers said they had taken a class on a financial topic, and among that group, many of them still had looming financial questions.  Of the 64% that had never taken a financial education class, 43% reported wanting to learn to save money, 38% wanted to learn how to manage their expenses, and another 36% said they wanted to take a class that taught them how to file their taxes.  A large majority—76%—of Gen Z consumers said that they thought their high school should have offered a class on managing finances.  So, what can we do to help ensure our young people grow up to be financially healthy adults?   If you’re a parent and want to find out if your children’s school offers financial education, head to https://checkyourschool.org/. If your school is not on the list, learn how you can become engaged in this initiative by working with JumpStart.   In the meantime, you can also find free, educational resources on our website to help teach your children about personal finance and credit. We have prepared a simple lesson plan, presentations and online brochures that are free to download, and you can find answers to commonly asked questions about personal finance, credit, fraud, identity theft and more on our Ask Experian blog and our weekly Twitter Credit Chats.   

At Experian, we value a workplace culture based on inclusion, innovation and the diversity of perspectives that each of our employees bring to work every day. In recognition of this commitment, we are extremely proud to be named to Fortune’s “100 Best Companies to Work for in 2020” list.   Each year, Fortune recognizes the 100 best companies in the U.S. to work for and examines company programs as well as opportunities for innovation, among other factors. To determine the list, Great Place to Work oversaw the country’s largest ongoing annual workforce study. The organization analyzed the feedback from 4.3 million employees in the U.S. to more than 60 survey questions describing the extent to which their organization creates a “Great Place to Work For All.” The ranking accounted for the experiences of all employees including women, people of color, members of the LGBT community, older team members, and disabled employees.  At Experian we aspire to have a truly diverse and inclusive workplace that fosters innovation, and have created a variety of different programs to achieve this goal. As part of this, we celebrate our diversity through a range of fun, engaging and informative cultural events, including those supported by our Employee Resource Groups (ERGs).  Employees can also join one of our many social clubs to share interests with colleagues, or volunteer with nonprofit organizations to give back to the communities in which Experian operates.  Our culture of inclusion is truly something to celebrate, and that’s because of every single person who makes up the Experian family and brings our brand to life every day.  All of this is supported by our culture of continuous innovation; from the way we work to the solutions we create. This commitment to innovation has helped us create a workplace where our teams across the world have a desire to help change the lives of millions for the better.  The diversity of thinking across Experian, and the way in which we harness it, helps fuel our innovation and ultimately our ongoing success as a business. This makes our work relevant to our consumers and clients, adding more value in their own lives – creating a better tomorrow for them.  As a result, we continue to have a positive impact on consumers, businesses and the economy. We do this with our products, technology, and innovation — from finding breakthroughs around better utilizing data, to identifying ways we can make access to credit faster and simpler for millions around the world.   At Experian, we are dedicated to making our workplace more just than a business. It’s a community that supports all our employees and promotes a culture where people can be comfortable being their authentic selves. And because of that commitment, we’re proud to join the ranks of Fortune’s “100 Best Companies to Work For in 2020.”    

To quote The Rime of the Ancient Mariner, ‘water, water everywhere, / nor any drop to drink.’ I think the same can be true of data. While organizations have more data than ever before, very few are able to capitalize on this resource and actually leverage it for insight. There is no question on the value of data. It is viewed as a key competitive advantage, and in some instances, a strategic financial asset. However, translating data into meaningful insight is a completely different task to storing and managing it from a regulatory perspective. We see many companies investing in all sorts of data initiatives, like analytics, machine learning automation, data governance, customer insight, etc. Yet, most companies still report they are not sufficiently data driven. Each year we conduct a global study of data usage and data management practices. This year, we surveyed over 1,000 practitioners on how they want to leverage data. The research dug into some of the obstacles they face and why so few are able to leverage data for insight. We found three key areas emerge. First, there is a large degree of distrust in information. The average professional looking at data does not understand how that data got there, when it is useful, and what state it is in. While data can lead to increased agility and better decision making, a significant level of distrust often causes leaders to fall back on making decisions by gut instinct rather than by informed data insight. In fact, we have consistently seen over the past several years that people believe almost a third of their data is inaccurate. Second, we are seeing a rising level of data debt. Data debt is a lot like technical debt. You have a set of data assets that aren’t necessarily fit for purpose or have a high degree of inaccuracy. Unless you take the time to fix that information and govern it properly, you are always going to have a suboptimal data operation. In turn, poor quality means many companies are not fully seeing the ROI or expected benefit from some of the investments they are making. Finally, there is a data skills shortage. This doesn’t just mean data professionals, like data analysts, chief data officers (CDOs), and data scientists. There is also a general lack of understanding around data within the broader business. We see a growing number of companies talking about enabling wider usage of data across the business and wanting to do more with data insight, but very few people across organizations are truly data literate. Our survey results indicated a tide changing where now most companies report that data literacy needs to be a core competency of employees over the next five years. To generate the level of insight needed to fully leverage data as a valuable asset, organizations have to start to tackle issues around inaccuracy, trust, and certainly data skills. Without fixing these components, organizations will continue to be surrounded by all of this useful data that doesn’t actually provide them with what they need. To learn more about these challenges and our new study, please download the report at https://www.edq.com/resources/data-management-whitepapers/2020-Global-data-management-research/.

As part of the company’s commitment to diversity and inclusion, Experian is celebrating Lunar New Year. This article is by executive co-sponsors of Experian’s Asian American Employee Resource Group (ERG): Dacy Yee, Chief Customer Officer and Jimmy Cheung, SVP of Information Security and Compliance. Lunar New Year, also known as Chinese New Year or Spring Festival, is celebrated in various Asian countries such as China, Taiwan, Vietnam, Korea, Japan, Singapore, Malaysia, the Philippines and others. For some cultures, it’s a 15-day long celebration filled with symbols and traditions that have different meanings. 2020 is the Year of the Rat, which is the first of all the zodiac animals. The Rat is seen as a sign of wealth and surplus in Chinese culture, and those born on the Year of the Rat are optimistic, energetic and likable by all! See the table below to determine your zodiac animal. In our families, the preparation for the Lunar New Year celebration starts a week before the New Year day. We clean the house thoroughly to remove any bad luck from the preceding year and decorate the interior with red objects—a color often associated with good fortune, wealth and longevity in the Chinese culture. Back when we were young, our parents would buy us new outfits to make sure that we looked presentable when visiting friends and families, and would also allow us unlimited access to sweets and treats, as it symbolized a sweet year ahead. The holiday has always been about more than just the coming of a new year. Lunar New Year meant spending time with loved ones, indulging in a delicious Asian feast, and partaking in age-old traditions that gave us a sense of pride and adoration for our culture. These are just some of the things that make the holiday so special to us (that, and receiving hong baos—red envelopes with money—from our elders). This year, our Asian American ERG worked hard to put on an outstanding Lunar New Year; it's our group's largest annual event! Experian enjoyed a diverse cultural showcase of seven different countries, a Chinese sleeve dance, Tinikling (Filipino stick dance), a Taiwanese aboriginal dance, a catered lunch and more. Tinikling is a traditional Philippine folk dance that involves two people tapping and sliding bamboo while dancers step over and in between the sticks. Our Asian American ERG performed tinikling for us today during our #LunarNewYear celebration! 🧧🐀 pic.twitter.com/JiwfzXp3wq — Experian (@Experian) February 6, 2020 We are also proud to announce we partnered with the Center for the Pacific Asian Family (CPAF) and hosted a donation drive to assist in their commitment to ending domestic and sexual violence in Asian Pacific Islander (API) communities. Many of us started the Lunar New Year on a positive note, and we want to ensure that’s true for those in need as well As always, we are so grateful to Experian for providing an environment where we are not only allowed but encouraged to bring our whole selves to work every day. Through various events hosted at Experian campuses across the country, we were able to impact 1,500 employees and expose them to the wonderful cultures of Asia. It is an honor to be able to share this part of our lives with our colleagues and show them how beautiful and rich various Asian cultures are. We look forward to a healthy and prosperous new year. 恭喜發財! Gong Hay Fat Choy! Jimmy Cheung Co-Executive Sponsor Asian American Employee Resource Group Dacy Yee Co-Executive Sponsor Asian American Employee Resource Group Photos taken by Nhan T. Nguyen.

Experian's game plan is focused on improving the financial health of consumers everywhere.  As part of that journey, we recently went to Miami, Florida, ahead of the Big Game, with pro football legend and American Ninja Warrior host Akbar Gbajabiamila to discuss how Experian Boost is helping millions increase their credit scores. Gbajabiamila, author of “Everyone Can be a Ninja,” is passionate about helping people develop a financial game plan and he understands having a good credit score is a key component of good financial health. “There’s something I’m truly passionate about and it’s financial literacy. Credit scores are something so many people hear about, but they don’t know how to interact with them. Experian has a platform that allows people to personally impact their credit scores. You can literally take your everyday utility bills, add them into your Experian credit report and get credit for that,” said Gbajabiamila. The days leading up to the Big Game provided an exciting time for Gbajabiamila to share with consumers across the country about how Experian Boost is instantly improving credit scores and helping people take control of their credit. In fact, Akbar’s take on the important role credit scores play in financial health was enthusiastically received by many on-air hosts who echoed the need to speak about it more frequently. As Akbar shared, “Whether you’re a professional athlete or a fan of professional sports, it’s important that you pay attention to your credit report.  And Experian Boost is the right step.” View highlights from our trip to Radio Row in the video below and learn more about Experian Boost by visiting www.Experian.com/BoostAmerica.

Explore Experian’s insights for customer identity and its interrelationship with security, convenience, and personalization, from consumers and businesses Businesses often talk about creating the ultimate digital experience for customers but far less about the interrelationship between security, convenience, and personalization. This results in siloed security measures at major decision points across the customer journey. And, it’s a disconnect that’s perpetuated through equally siloed CRM systems that strive to identify customer preferences but fail to do so in a consistent and appealing way. The impact on consumers is that they are dragged through a maze of security and risk protocols while at the same time being targeted or re-targeted products and services that are not always relevant. We challenged senior executives at 650 companies to think about whether they can accurately identify their customers and meet their customers’ needs for a relevant experience to not only help them create a more trusted relationship with a consumer but also to reduce fraud losses. We also surveyed over 6,500 consumers who had a lot to say about what constitutes best-in-class digital customer experience. Perception versus reality Our study found that 95% of businesses worldwide believe they are accurately identifying their customers yet 55% of consumers don’t feel recognized.   In our survey last year, 84% of businesses said that if they could better identify their customers, then they could easily spot fraud.  However, 57% of business reported having significantly higher fraud losses this year versus last year.  How can this be true if businesses are in fact as strong as they believe they are at recognizing their customers and thus, presumably by extension, fraudsters? This then begs the question: how are businesses defining “recognition” and is it really working?   Are they recognizing a customer to a person or are they able to categorize a customer into prescriptive buckets such as broad demographic delineations? Expectations for customer engagement Our study also found that 74% of consumers say security is still the most important factor when deciding to engage with a business online. This has been a consistent finding over the past two years. In fact, consumers are even willing to give more personal information for greater security and easier access to their accounts later, once they are comfortable. Despite this, over half of businesses are prioritizing personalization over security when making improvements to their customer experience.  Consumers acknowledged experiencing and appreciating the changes businesses are making to their digital experience however security remained to be their most important criteria for engaging or continuing to engage with a business. What now? Desires for ultimate experience and concerns for security are still shaping the digital relationship between consumers and businesses where identity is at the heart of every customer decision and interaction.  We believe businesses will need to invest further in data, infrastructure, and advanced analytics in order to get to a point of truly recognizing a consumer digitally as opposed to categorizing for broad brush pseudo personalization purposes.  Only then will businesses start to make a dent in fulfilling the high consumer expectations for recognition as well as in mitigating rising fraud. Download our report (15 min read) and find out more about: Challenges standing in the way of businesses trying to identify their customers What different businesses and countries are doing to improve identity authentication The new type of customer journey that executives believe will improve the digital experience

  I am delighted to announce that Experian has been recognised by the Top Employers Institute as a Top Employer in the UK, Spain, Bulgaria and South Africa. The annual research programme recognises leading employers around the world. Organisations certified as Top Employers dedicate themselves to providing the very best working environment for employees through their progressive ‘people-first’ HR practices. Being recognised as a Top Employer four years in a row is a significant achievement for us, but it wouldn’t have been possible without the support of our incredible workforce. By listening to our people and encouraging new ideas, they have continued to help us develop our working culture and pushed the boundaries to create the best possible working environment. An integral part of this is to encourage diversity throughout Experian and that means building our ways of working and our approach in a way that offers equality of opportunity, supporting our employees from the moment they join our organisation, at every level, and letting people work flexibly, in the way that suits them. We have been working hard to create a place where everyone has the freedom to explore and share interests, no matter what their individual story is, without fear of judgement. The more inclined we are to bring our rich outside world to work, the more we will expose others to new perspectives and different thinking, making Experian a great place to work. I’m extremely proud of the progress we’ve made over the last 12 months, with my personal highlights including our on-going partnerships with the likes of Women in Data, Stonewall and the Business Disability Forum, as well as the development of our employee health and well-being offerings. It’s important that we continue to build on this success, looking for new ways to do things, and continuing to provide a working environment that our people love.

Craig Boundy, former Experian North America CEO, was a featured guest on iHeartRadio’s “CEOs You Should Know” program. During the interview, Boundy shares how Experian is helping consumers through the company’s Boost program and culture of innovation. In addition, he provides practical advice regarding how to be a more thoughtful leader with his “no bad news on Friday” rule.        

At Experian we’re proud of our culture and commitment to honoring, practicing and celebrating the values of diversity and inclusion. Which is why we’re especially thrilled to be starting the year with some remarkable honors in recognition of our culture. Fortune and Great Place to Work have named Experian North America as one of the Best Workplaces for Diversity. Additionally, for the second year, Experian was awarded a perfect score in the Human Rights Campaign Foundation’s 2020 Corporate Equality Index. Each year, Fortune honors 100 companies in the U.S. that do the most to create inclusive cultures for women, people of color, LGBTQ people, employees who are Boomers or older, and people who have disabilities. The Human Rights Campaign Foundation’s 2020 Corporate Equality Index is a national benchmarking tool on corporate policies and practices pertinent to lesbian, gay, bisexual, transgender and queer employees, and Experian has earned the distinction of “Best Places to Work for LGBTQ Equality.” We’re extremely proud of these awards and the culture we’re building here at Experian. We truly believe in embracing inclusion and diversity and celebrating the differences among our employees. Through our Power of YOU inclusion and diversity commitment, we seek to create an environment where everyone is comfortable bringing their whole self to work, regardless of differences or backgrounds. As part of this effort, we have a variety of initiatives including eight Employee Resource Groups, which are sponsored by Experian and led by our employees. Additionally, everyone across the company is encouraged to play a key role in the creation of our latest innovative products. For example, this past year, we launched Experian Boost™, a free, first-of-its-kind, consumer-controlled tool that has the potential to impact an individual’s financial health for the better. Hundreds of employees from throughout the organization volunteered to personally evaluate Experian Boost because they believed in the product’s potential to help millions of people across the U.S. Throughout the past few years, Experian has received numerous accolades for our workplace and culture, including being named a Top Workplace in Orange County, Calif., by the Orange County Register for the seventh consecutive year, and being named one of the world’s most innovative companies by Forbes magazine for five years.  Our ongoing goal is to further an inclusive and innovative workplace, which helps contribute to greater financial health and inclusion for everyone.  

Through Experian’s technology and cutting-edge innovations, we’re helping consumers build their credit histories and access affordable, mainstream financial products. We are truly improving consumer’s financial lives in a meaningful way. But, with all the exciting innovations in technology, sometimes, it’s easy to forget the impact we can create in our everyday interactions with people.   Let me give you an example.    I recently traveled to Nashville, TN for a conference. Since I didn’t know my way around the area, I hired a driver to pick me up and take me to my hotel. As I was heading to the airport exit, I saw a woman holding a sign that read “Experian.” I introduced myself and we both got into the car and headed for the hotel.   As we were driving, she asked, “So, do you really work at Experian?” “Here we go…” I thought as I responded, “Yes, I do.”   She went on to tell me she was a Desert Storm veteran who faced some real financial hardships that tanked her credit score when she returned home from war. She saw a commercial for Experian Boost, our new tool that allows people to get credit for paying their telecom and utility bills on time. After trying the free tool, her score went up 11 points. This boost got her thinking about other ways she could improve her credit score. I spent the rest of our drive sharing some credit education including the importance improving her debt to income ratio, lowering utilization rates and making on time payments.   As we pulled up to my hotel and I got out of the car, she asked if she could give me a hug. “Of course,” I said. I was touched and slightly surprised, to see how much of an effect I had on her. Only, I didn’t realize then just how much of an impact our conversation would truly make on her life.   I recently had a chance to reconnect with Renee Preston. She told me about the dramatic changes she’s made since we met that are creating a lasting impact on her financial health.    At the time Renee picked me up, she was $56,000 in debt and her credit score was 605. Just a few months after meeting her, Renee put some of the credit education tips I shared with her into practice. Since then, she’s lowered her debt by $36,000 and her credit score has improved by more than 60 points. While Renee knows she still has work to do, she is inspired to continue to improve her financial wellbeing.  “I’ve been driving for more than 26 years. I’ve met all kinds of celebrities like Pink and Justin Timberlake. The fact that Alex took the time to talk to a little person like me, it really meant a lot. Since we met, I’ve taken a lot of steps to improve my credit and finances including getting a job with a much higher salary. I truly feel I owe all of these changes to Alex.”  Renee Preston, Nashville, TN  As a company, we are committed to helping people improve their financial lives. When we talk about being the consumer’s bureau, this is exactly what we mean.   I’m so thankful I had the opportunity to meet Renee. I’m inspired to continue to find new ways to improve people’s financial health, both personally and as a leading member of Experian’s team.  

As 2019 comes to a close, many people are outlining their goals for the new year. For some people, this means making plans to get healthier, reconnect with old friends or find a new job. For many, improving financial health comes in at the top of the list. In fact, we know saving more is a top resolution for 50% of people and one in three want to improve their credit scores in 2020.   Saint Exupery once said, “a goal without a plan is just a wish” and he was right. When setting any goal, it’s important to put a plan in place. An essential first step toward creating an effective plan of action is getting a grasp of your current situation. The same is true for creating and achieving goals related to improving your financial health.   Each year, we take a look at how Americans across the country are managing their credit to help people understand the purpose and impact of their credit scores. Our annual State of Credit report highlights average credit scores, debt levels and delinquency rates of people across America. In releasing this report, we hope to give people insight to help them make more informed decisions about credit use as we prepare to head into a new decade.   Our latest report showed the average credit score hit an eight-year-high at 682. While people are taking on slightly more credit card, mortgage and nonmortgage debt year-over-year, delinquency rates are decreasing on average and utilization remains consistent at 30%, which means people are responsibly managing the debt they’re carrying.   If your credit score is lower than you’d like, or if you’re looking for ways to maintain a positive credit history and improve your financial health, here are five ways you can better your financial standing in 2020:   Check your credit report and credit score. Your credit report serves as your financial references. Take care of your credit report and you will take a big step toward better financial health. Credit scores play an important role in your financial journey. They translate the information in your credit report into a number reflecting the risk of doing business with you.  Check your credit score at the same time you check your credit report. When you get credit score you should receive an explanation of what the score means and what from your credit report is most affecting it. This is an important step to gauge your current standing and to develop a plan to improve your credit report and scores. You can get a free credit report once every 12 months from Experian by visiting www.annualcreditreport.com or through the Experian app.  Keep your utilization rate low.  Your utilization rate, or balance-to-limit ratio, should never exceed 30 percent of your credit limit. At a maximum, your total credit card balances should not be more than 30 percent of your total credit card limits, and you don’t want any one card to have a balance of more than 30 percent of the limit of that one card. Both can hurt you.  This doesn’t mean that you want to get your balances up to 30 percent and keep them there. The lower your utilization rate, the better. People with the best credit scores have utilization rates of less than 10 percent. As you head into 2020, focus on reducing your credit card balances and keeping your balances low.   Use the tools available to you like Experian Boost. If you’re paying your cell phone, cable, satellite and utility payments on time, you can use our free tool, Experian Boost, to potentially increase your credit scores in the new year. We see scores improve for two out of three people who use Experian Boost with an average increase of more than 10 points.   Plan ahead for major credit purchases. For many, the start of a new year can mean a new car, a new home and more. When preparing to make a major purchase, it is critical to demonstrate financial stability in the three to six months leading up to it. While it is important to optimize your scores before purchasing a house or a car, be careful not to make too many big moves right before your purchase.  Closing accounts or applying for new credit could temporarily reduce your scores, so don’t open any new accounts during the months leading up to your purchase. Wait to close accounts or apply for new ones until after you have the keys to that car or house in hand.  Pay on time, every time. Nothing will hurt your credit score more than missed or late payments. To maintain a positive credit history, make a plan to catch up on any missed payments. Enrolling in autopay can be a helpful way to stay on a payment schedule that works for you.   Remember, credit can be a financial tool, but debt is a financial problem. Create your financial game plan for 2020 and use these tips to prepare for a financially healthy new year. If you need help along the way, visit the Ask Experian blog or tune into our weekly Credit Chat.    

For the past seven years, Experian’s perennial presence on the Orange County Register’s list of Top Workplaces has been the cause for real celebration across our workforce, making this year more special with added honor of receiving the Award of Excellence for its corporate values. “We embrace strong corporate values and celebrate a diversity of ideas and backgrounds across the company. This diversity of thinking and the way we harness it at Experian helps to fuel our innovation and ultimately our ongoing success as a business,” said Craig Boundy, former chief executive officer of Experian North America. “This award is a credit to all the talented people who work here at Experian, bringing a strong drive to perform around a shared mission.” We celebrate our diversity through a range of fun, engaging and informative cultural events, including those supported by our Employee Resource Groups (ERGs).  Employees can also join one of our many social clubs to share interests with colleagues, or volunteer with nonprofit organizations to give back to the communities of which Experian supports.  Our culture of inclusion is truly something to celebrate and that’s because of every single person who makes up the Experian family and brings our brand to life every day. Experian’s mission is to create a better tomorrow through data, connecting consumers and businesses with more opportunities than ever before. This is supported by our culture of continuous innovation, from the way we work to the solutions we create. This commitment to innovation has helped us create a workplace where our teams across the world have a desire to help change the lives of millions for the better. The diversity of thinking across Experian, and the way in which we harness it, helps fuel our innovation and ultimately our ongoing success as a business.  This makes our work relevant to our consumers and clients, adding more value in their own lives – creating a better tomorrow for them. As part of this, our culture works to connect employees to our brand, by involving them in the creation of new products and services. This has had a tremendous positive impact with employees providing valuable feedback and creating advocacy among team members. For example, when developing Experian Boost, which has helped millions of people raise their credit scores, we first beta-tested and shared the innovation internally and were able to garner valuable feedback and support from employees. As a result, we’ve seen tremendous success since the launch of Experian Boost earlier this year. Innovation and Business Success Our culture of diversity and inclusion has enabled Experian to grow and evolve while remaining at the forefront of innovation. For more than 40 years, Orange County has been the heart of our North America operations. We’ve remained focused on developing a culture that achieves and sustains higher performance while giving back to the community, and we’ve strengthened the business across every front. As a result, we continue to have a positive impact on consumers, businesses and the economy. We do this with our products, technology, and innovations — from finding breakthroughs around better utilizing data, to identifying ways we can make access to credit faster and simpler for millions around the world. We’re very proud to be named a Top Workplace by the Orange County Register for our positive workplace culture, which attracts and retains top talent in Orange County, as well as our other locations across North America.