Experian Acquisitions for credit unions
A right-sized solution to streamline decisioning and approve more of the right members
One partner. One platform. Profitable growth.
Credit unions are competing for the same borrowers as fintechs and larger lenders and losing them to whoever is able to provide a decision in time. Experian Acquisitions for credit unions brings together data, analytics, scores and fraud checks to drive automation rates and improve the quality of each real-time decision.
Automated decisioning
In today’s lending environment manual underwriting creates bottlenecks and potential inconsistencies between reviewers. Our custom strategies consider various scores and datasets to automate decisions in real time to approve qualified members and catch risk.
Digital consumer experience
Consumers applying for your products online expect an answer instantly, and larger competitors are built to give them one. We provide the capabilities you need to compete and win — so members get an answer in seconds instead of a callback later.
Upfront fraud detection
Fraud arrives at account opening, not after. Layered first-party, third-party and synthetic identity detection runs alongside credit decisioning, so you stop manufactured identities and consider default risk without adding friction for real applicants.
Lending strategy, data, analytics, scores and fraud detection come from a single integrated system.
Our single API and cloud architecture centralize decisioning into one payload and integrate with your loan origination system, so automated decisions reach the member in seconds.
Custom strategies absorb new data, rules and constraints quickly, and Strategy Management℠ lets your team adjust criteria directly. Custom models, by contrast, require fresh validation and documentation every time.
Other lending vendors buy their credit data; we own it. Credit data on 245 million U.S. consumers with 18 years of history, 2,100+ Premier Attributes℠ across 51 industries, and 2,000+ Trended 3D™attributes with a 24-month lookback — including visibility into thin-file and new-to-credit members.
Identity verification, KYC compliance, and layered first-party, third-party and synthetic fraud scores are part of the same decision — not a separate vendor, contract and integration.
Every engagement includes a solution consultant who monitors strategy performance, validates results against your goals, and adjusts criteria as your portfolio moves.
Automate your decisioning and improve your acquisitions strategy today
Right-sized, not scaled
Packaged for how credit unions actually buy: defined packages, a scoped implementation and a clear path to automated decisioning strategies — whether you’re decisioning a few hundred applications a month or a few hundred thousand.
Better data, better decisions
AI is only as good as the data behind it. Traditional, trended and alternative credit data plus identity and fraud intelligence come together in one decisioning environment.
Your partner on the path to modernization
Every engagement includes a dedicated consultant who monitors and manages strategy performance long after go-live — backed by 30+ years of credit expertise, 25+ years of automated decisioning and decades of investment and experience in the credit union industry.
Frequently asked questions
Through our single API. Decisioning capabilities and the supporting data are delivered in one payload, so your LOS makes one call and receives one decision. Your existing rules engine stays where it is; the platform sits alongside the LOS, not in place of it.
A custom model produces a sharper score. A custom strategy decides what to do with it, reading the score alongside additional data, rules and constraints.
You’ll have access to strategy performance dashboards as well as a dedicated solution consultant to interpret the results, validate performance and adjust as needed.
To learn more about our solutions, please fill out the form below.
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- Solutions
- Advanced analytics and modeling
- Collections and debt recovery
- Credit decisioning
- Credit profile reports
- Customer engagement and retention
- Data reporting and furnishing
- Data sources
- Data quality and management
- Fraud management
- Global data breach services
- Identity solutions
- Marketing solutions
- Regulatory compliance
- Risk management
- Workforce management