Let us help
Find out how you can partner
Call us at 1 888 414 1120
"Working with Experian, we have been able to reduce our bad debt, to reduce our delinquency as well as to grow the business."
Bruno Mariejeanne, Sr. Director
This scalable and robust technology receives, validates and processes applications from multiple channels and enriches application data from relevant internal and external data sources.
Risk and Retention Triggers
Take control of your portfolio and identify your customers' developing credit problems before they affect your profit margin.
Learn More About
- Consumer Information Services
Take advantage of exclusive insights from Experian's industry experts
Join the Discussion
Hear from our experts and share your views.
Dispute Your Credit Report Information
Resolve reporting errors by disputing information on a personal or business credit report.
Client Segmentation Helps Focus Resources for Collection and Acquisition
What your peers are saying: Direct Energy
Bruno Mariejeanne, Senior Director, Direct Energy
I am responsible for credit and debt management at Direct Energy as well as the credit granting and collection management process.
My biggest challenge in the credit process is trying to grow the business and trying to sell to the right customer. That has been our main concern on the credit side. On the collection side, our biggest challenge is trying to get the right segmentation so we will be able to focus on the highest risk rather than focus on everybody.
In the past three years I have implemented many of Experian’s tools. One we decided to use was the Tech Score with Experian. In addition, we work with Experian to implement the Transact system. Experian has helped us to build the system, and we’ve been able right now to use the PIN technology, the transact decision tools to be able to have a proper acquisition process. On the retention side, we’re also using the trigger. This has helped us in the past years to reduce our churn rate. Using the Retention Trigger has helped us proactively offer the right product to the right customer. And now we’re looking at the final stage -- we’re looking at the score, the recovery score, as well as looking at the trigger.
Experian's Consultative Approach
I do like the innovation of Experian in trying to help their client move to the next level, and partnering and participating in the objective of the client. Working with Experian, we have been able to reduce our bad debt, to reduce our delinquency as well as to grow the business. Let me give you a good example from the acquisitions side: Before, we had about a 20 percent approval rate. Working with Experian’s credit score, the new Tech Score as well as looking at the attributes, now we’re looking at about a 30 to 36 percent approval rate. On the delinquency side, we’re also able to see reductions in the past-due accounts.
How can our consultative approach help your business?
To get more information on how Experian can help you meet your own challenges, fill out the form below and a representative will contact you shortly.