Determine the best offer

Make credit decisions that yield the best results

Set Optimum Credit Terms for New Customers and Develop Revenue-Generating Strategies

Acquire creditworthy customers with insight into which offers generate the best customer leads. Experian offers a variety of scoring and segmentation tools as well as platforms that analyze applications and account data. This enables you to create credit offers that meet your specific business objectives and promote increased usage. Systems that automate the credit decisioning process also save time and resources.

Make credit decisions and determine the best offer with the following products and services:

Decisioning as a Service

Decisioning as a Service is a streamlined delivery method engineered to help Experian clients gain greater value from data and decisioning products. It does so by providing flexible, real-time, access to more data sources, attributes, scores and analytics.

Experian TAPSSM

With TAPS (Total Annual Plastic Spend), target high-spending consumers and accurately estimate a consumer’s spend on all general purpose credit and charge cards over the last 12 months.

In the Market ModelsSM

This intuitive model identifies consumers soon to be in the market for a specific product type, allowing for proactive campaign planning, increased conversion rates and a greater return on marketing spend.


Maximize profitability and your marketing dollars by sending preapproved offers to the right prospects at the right time.

Marketswitch OptimizationTM

Target specific segments most likely to convert and determine which customers should get which offer through which channel.

PowerCurve Strategy Management

Utilizes advanced technology to tightly link strategy design with strategy execution, providing painless deployments and unmatched performance monitoring, with results mapped back to your individual strategies. This complete loop architecture accelerates your test-and-learn cycles, and easily adapts to market and consumer behavior changes.


Qualifies and segments your prospect list according to your unique credit criteria so you can target consumers most likely to respond to your credit offers.

Prospect NavigatorSM

Transform the way you acquire, analyze and use consumer purchase intelligence by leveraging all the elements of successful database marketing without sacrificing data freshness.

Risk-Based Pricing

Determine the ideal product pricing tier breaks and interest rates to maximize portfolio profitability and create a competitive advantage.

Start Your Direct Marketing Campaign Today

Consumer and Business mailing lists for immediate purchase.

Case Study: Franklin Mint Federal Credit Union

Learn how our client exceeded its ROI target by almost 200 percent using Experian’s Auto In the Market ModelSM product.

Digital Marketing Strategy

Market to Your Best Prospects and Spend Less

Use Audience IQ to meet your digital target marketing needs.

Want to Know More?

Let one of our representatives help you select the right product to fit your business need.