Credit risk scores
Expand your lending universe, mitigate risk and retain customers compliantly
Determine creditworthiness
Going beyond traditional risk scores, our custom risk scores give you the ability to expand your lending universe and improve credit risk assessment. Quickly and consistently measure, benchmark and predict risk through credit scoring models that use best-in-class data sources, advanced analytics and cutting-edge technology.
More-informed, tailored credit risk scores
Our credit risk scoring models can be developed using your internal data and traditional and nontraditional credit data, such as expanded FCRA data, consortium and business activity data — which provide greater insight into a customer’s creditworthiness and ability to pay.
Enhanced model performance
We create credit scoring model versions using various statistical methods to help boost model performance and predictive capabilities. Advanced machine learning improves the accuracy and effectiveness of the models and scores while providing safe, accurate, explainable and actionable decisions. These models provide added flexibility and transparency for businesses depending on individual model governance standards and business objectives.
245 million
consumers in Experian’s database.
53%
of businesses plan to engage with an external supplier for support with AI or machine learning in the next 12 or 24 months.
20%+
amount lenders could grow their pool of new customers by using modern credit scoring methods.
Advanced Analytics & Modeling
Cloud Applications & Services
Collections & Debt Recovery
Commercial solutions
Credit Decisioning
Credit Profile Reports
Customer Management
Data Quality & Management
Data Reporting & Furnishing
Data Sources
Fraud Management
Identity Solutions
Marketing Solutions
Regulatory Compliance
Risk Management
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- Solutions
- Advanced Analytics & Modeling
- Collections & Debt Recovery
- Customer Management
- Credit Decisioning
- Credit Profile Reports
- Data Reporting & Furnishing
- Data Sources
- Data Quality & Management
- Fraud Management
- Identity Solutions
- Marketing Solutions
- Regulatory Compliance
- Risk Management
- Workforce Management