Portfolio risk management tools

Proactively manage accounts to minimize risks

Identify profitable and risky accounts

Experian understands that proactively managing accounts helps minimize risk from customers experiencing negative credit events. Conversely, continual tracking and analysis of a portfolio help clients maximize revenue opportunities by letting them know when to extend credit to profitable accounts.

The following portfolio risk management products and services are focused on your commercial or consumer customers:

Account Monitoring ServiceSM

Ideal for portfolios containing more than 5,000 commercial accounts. Manage risk and improve cash flow with this comprehensive portfolio monitoring system for your business customers. Enjoy the industry’s best trigger capabilities, including alerts to derogatory events such as bankruptcies, liens, judgments and late payments.

Business Owner Background ReportSM

Unprecedented visibility into a business owner or principal’s relationships with current and former business interests.

DecisionIQ Premier

Automate and control your credit application process with credit application templates for your website that link to your credit policy and portfolio management tools in BusinessIQTM.

Portfolio Scoring

Identify risks and opportunities by regularly scoring your portfolio of business customers. Segment businesses into risk groups for specific action and follow-up, and track trends to refine credit policies. Uses highly predictive Intelliscore Plus scoring.

Small Business Credit ShareSM

Mitigate risk and maximize revenue with exclusive portfolio score models for the Small Business Credit Share consortium. Three models are available by portfolio type — all financial, commercial credit card, and commercial retail credit card.

Small Business Credit Share ReportSM

Cooperative database that enables cross-industry clients to contribute commercial portfolio data in exchange for exclusive access to unique account data — including financial and non-financial trade contributor information.


Account Review Advantage

Take greater control of your portfolio by accessing credit-based scoring models and consumer contact information on a daily basis.

Archive Services

Optimize the management of your existing accounts by refining your portfolio risk management tools to identify areas that present the highest potential profit and the highest risk.

Bureau Scoring

Identifies best prospects for new offers and the most profitable accounts to collect on, using industry-specific risk models.

Collection Triggers

You choose the information you want us to track. When there is new information available, we immediately notify you with this dynamic, flexible account monitoring tool.

Credit Migration SolutionsSM

Alerts you to changes in a customer’s credit behavior and provides trending data. This information will allow you to make timely offers or increase lines of credit. Tells you when customers hit your risk threshold so you can act quickly and reduce losses.

Credit Profile Report and Options

Having the most accurate data and access to more than 220 million credit-active consumers lets you make informed customer acquisition decisions.

Debt Portfolio Evaluator

Quickly and accurately evaluate collections recovery and profit potential on a debt portfolio.

Debt-to-Income InsightSM

Take the risk out of managing your portfolio with greater insight into the overall debt capacity of your customers.

Decision Analytics Platform — Decision Management

Through advanced decision management technology and flexible access to decision-ready data, enhanced strategy design capabilities and improved strategy performance monitoring, Decision Analytics Platform provides more insight to quickly and easily create and deploy superior decision strategies across the life cycle.

Decision InsightSM

Automate approvals for new customers using preset, customizable rules that reflect your company’s credit policy. Combines automated decisioning with Intelliscore Plus scoring.

Experian TAPSSM

With TAPS (Total Annual Plastic Spend), assign the correct APR in underwriting to maximize wallet share and interchange revenue, and estimate a consumer’s spend on all general-purpose credit and charge cards over the past 12 months. Combine with income to identify potential debit users.

Financial PersonalitiesSM — Credit Based

We combine consumers’ needs and attitudes with their actual behavior to build predictive models, using our comprehensive consumer data resources, to generate scores to accurately assign consumers to their financial personality.

Financial PersonalitiesSM — Marketing Based

A new generation of category-specific campaign targeting and tailoring tools for financial services marketers seeking to improve the performance of their campaigns. Financial Personalities is the only campaign targeting and tailoring system of its kind in the marketplace today.

In the Market ModelsSM

This intuitive model identifies consumers soon to be in the market for a specific product type, allowing you to identify consumers who are opening accounts at prime and nonprime risk levels.

Income InsightSM

Strengthen your customer risk management processes through an enhanced ability to assess a customer’s complete financial picture.

Market Intelligence Report — Consumer Credit Market Trends

With Experian-Oliver Wyman Market Intelligence Reports, access previously unavailable insights into timely consumer credit market trends. Compare trends against your portfolio, access credit segment details, and leverage customized reports. Easy-to-understand reports are delivered in two subscription formats, with an option for producing analyses and models.

Notification Services

Our event-based triggering tools provide daily notification of credit behavior changes, inquiries, and derogatory information such as bankruptcies or late payments.

PowerCurve Customer Management

The right strategies and means can keep you moving in an ever-more-profitable direction, while also navigating an every-changing business environment. Earn more profitable customers through adaptive and targeted approaches with PowerCurve Customer Management.

PowerCurve Strategy Management

Improve the accuracy and effectiveness of your credit risk and marketing strategies across the Customer Life Cycle with Experian’s premier business rules management system.

PINpoint Services

Get a single, enriched customer view for relationship building, cross-selling, collections and risk management strategies.


Identifies profitable accounts and refines decisioning for credit-line increases and offers. Predicts delinquent behavior and increases revenue recovery.

Rental Payment Data

Rental payment behavior serves as an additional input in helping you develop a more complete picture of your risk exposure.

Strategic Default

Faced with negative equity, many borrowers are choosing to cease paying their mortgages even while staying current with their nonmortgage debts. Lenders need the best strategies for managing consumers who exhibit strategic default behavior.

Trend View

Enhance the profitability of your account and develop a strategy for future review and acquisition efforts by understanding consumers’ past payment behavior.

Trended Solutions

Segment those prospects and customers who are likely to go delinquent by understanding if a consumer is rapidly increasing his or her balances or paying off debt.

Consumer data reporting

How can you best affect your customers’ overall experience?

Client case study: Technology Credit Union

Discover how Tech CU received an ROI of $7.88 for every $1 spent on trigger data.

Tough questions for mobile fraud

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Risk management software

Experian offers risk management products and tools to help you manage portfolio risk by: monitoring account activity, identifying delinquencies, and verifying customer identity. Click the link below to learn more.

White paper

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Look Ahead 2020

Discover how Experian is helping businesses navigate the COVID-19 health crisis.