Solutions to help you lend deeper
Approximately 25 percent of the U.S. population is unbanked or underbanked, and nearly 64 million consumers have limited or no traditional credit history. Experian’s solutions can help you tap into this large segment of potential members to enhance the profitability of your portfolio.
Improve Member Experience
Automated Underwriting - Improve business performance with access to online real-time data sources and deployment of flexible decisioning in a hosted environment.
Account Aggregation Services - With a simple interface, you can verify income and assets in minutes rather than days or weeks, resulting in reduced processing time, improved revenue streams and higher member satisfaction.
Portfolio Health Check - A dashboard shows how your members are performing both with you and other financial institutions, as well as off-book loans.
Quest - Identify profitable accounts and refine decisioning for credit line increases and offers. Predicts delinquent behavior and increases revenue recovery.
Extended ViewSM Score - Assess the creditworthiness of underserved consumers.
Income InsightSM Model - Determine a member’s ability to meet their financial obligations.
Credit Educator - Build strong relationships with loyal, creditworthy members when you provide them with personalized education sessions with a trained Experian credit educator.
Introducing Income and Asset Verification
Experian serves credit unions across all asset tiers with a team 100 percent dedicated to this industry. Beyond credit reports, we offer data analytics, segmentation solutions, automated decisioning, and digital strategies that help credit unions drive growth, compete through differentiation, and protect against fraud and regulatory risk.
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