Experian Cashflow Data Bureau
Bureau-grade cash flow intelligence for a more complete view of consumers
Gain a clearer view of consumers’ finances
Credit history shows a historical view of consumers. Cash flow adds a current view of how consumers earn, spend and manage their money.
Experian Cashflow Data Bureau, Inc. is a consumer reporting agency operating under the Fair Credit Reporting Act (FCRA) that helps financial institutions integrate consumer-permissioned cash flow insights into lending decisions. Backed by Experian’s decades of credit, consumer reporting and analytics expertise, it provides the foundation for adopting and using cash flow insights at scale.
Together, credit and cash flow intelligence can help lenders see a more complete picture of consumers’ financial lives, supporting more informed underwriting and responsible expansion of access to credit.
40%
lift in predictive performance with cash flow intelligence*
Source: Experian analysis; *Performance will depend on population sample and product(s) used.
95%
categorization accuracy
Source: Experian analysis
30M+
transactions processed daily
Understand financial capacity
Use income, expense, liquidity and money-management signals to better understand how consumers are managing their finances today.
Strengthen underwriting decisions
Bring cash flow insights alongside traditional credit information to better assess close-call consumers and identify more right-fit lending opportunities.
Identify changes sooner
Use current cash flow signals to help recognize shifts in consumers’ financial circumstances that may not yet be reflected in traditional credit information.
Expand access to credit
Gain additional insights into consumers who may be overlooked when decisions rely on traditional credit information alone.
Discover what cash flow can add to your credit strategy
Put a more complete view of consumers’ financial lives to work in your lending decisions.
Back cash flow decisions with Experian’s decades of experience in credit, consumer reporting and analytics.
Bring data aggregation, report generation, analytics, scoring and decision-ready insights together through a single, trusted provider.
Put cash flow insights to work across lending decisions with the data, analytics and expertise to support enterprise adoption.
Apply Experian’s experience in regulatory compliance support and dispute resolution to consumer-permissioned cash flow data.
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