Welcome to the Experian Thought Leadership Hub

Recoveries hinge on knowing who can pay, not just who owes. This infographic explores how debt buyers and collections agencies can better identify signals of true payment capacity.

Did you know?

• U.S. household debt surpassed $18 trillion in Q3 2025.¹
• The average age of debt in collections is ~3.5 years.²
• The average recovery rate on delinquent accounts is ~20%.³

Read the infographic for more insights and strategies to drive smarter recoveries.

¹Household Debt and Credit report, Q3 2025, Federal Reserve Bank of New York.

²Debt Collection Industry Statistics, zipdo.

³Collections Industry Statistics, Gitnux.

Download Experian’s 2026 Future of Fraud Forecast to explore five fraud trends expected to have the biggest impact on businesses and consumers in the coming year, including: 

• Agentic AI and machine-to-machine fraud 
• Deepfake-driven employment fraud 
• Smart home device exploitation 
• Website cloning and emotionally intelligent fraud bots

As market conditions shift, collections success depends on continuous, high-quality consumer data. This checklist highlights how always-on collections intelligence can help debt buyers and agencies:

• Stay ahead of consumer behavior shifts
• Adjust strategies quickly
• Concentrate collections efforts where it counts

Changes in consumer behavior and advancements in data and technology mean that traditional collection methods may no longer produce the best results. 

Download our checklist for four key signs  that your strategy needs updating and how modern solutions can help:

• Lack of proper account prioritization 
• Low engagement and high call avoidance  
• Outdated scoring or models 
• Inefficient manual processes

Home equity lending is shifting fast and hidden risks could be costing you.

• Fraud is rising: Identity theft and misrepresentation are becoming more common, increasing losses and slowing approvals.
• Workflows are outdated: Manual processes and legacy systems are creating bottlenecks and inefficiencies.
• Profitability is impacted: Many lenders underestimate how these issues affect their bottom line.

Rental fraud is surging, driven by generative AI (GenAI) and automation, overwhelming leasing systems and increasing financial risk. Experian helps rental companies detect fraud early, protect revenue, and maintain seamless leasing experiences.

• 93% of rental companies reported fraud in the past year 
• Evictions cost over $3,500 each due to misrepresentation 
• 84% of companies saw falsified income documentation

Financial institutions face several challenges during the credit decisioning process, such as poor data quality, scalability issues, data fragmentation, and high maintenance costs. Experian can help lending institutions enhance their credit decisioning journey at every step, through:

• Model development
• Model deployment
• Decisioning
• Fraud analysis

Discover how your organization can take your credit decisioning journey to the next level with the Experian Ascend Platform™.

Millions of U.S. households remain unbanked, yet many possess the ability to borrow responsibly. Read our infographic to learn how you can leverage real-time cashflow data to: 

• Reach consumers with little or no credit history. 
• Tailor products to real financial behaviors. 
• Make faster, more confident decisions.  
• Improve access to credit and enhance portfolio performance.

Experian and Plaid have teamed up to power smarter, more inclusive lending.

Read our one pager to discover how the new integration helps you:

• Sharpen risk assessments
• Uncover new growth opportunities
• Increase approval rates