Welcome to the Experian Thought Leadership Hub

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• Workflows are outdated: Manual processes and legacy systems are creating bottlenecks and inefficiencies.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.

Learn how background screeners can modernize employment verifications and improve outcomes:

• Reduce manual intervention with digital response channels
• Maintain compliance while strengthening data accuracy
• Boost efficiency and client confidence with best practices

First-party fraud is notoriously difficult to separate from credit risk — but first-payment default (FPD) can be the key to earlier, more accurate fraud detection.

Key insights:

• What makes first-party fraud and credit risk so difficult to separate (and so costly to misclassify).
• Why FPD is the strongest, most reliable indicator of first-party fraud.
• Actionable takeaways for businesses to combat first-party fraud.

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

First-party fraud and credit risk are often indiscernible at origination, resulting in misclassified losses. Learn how to separate the two — and why the easiest way to do so may be hiding in plain sight. 

Key insights:

• Why first-party fraud and credit risk are so difficult to differentiate
• The financial and strategic costs of misclassified losses
• How first-payment default can unveil fraud early

Behavioral analytics enables Terrace Finance to stop advanced fraud threats and prevent losses from reaching their partners.

Hear directly from Andy Hopkins, CEO of Terrace Finance:

• Why fraud prevention is a crucial investment area for Terrace Finance
• How behavioral analytics helps Terrace protect its lending partners from evolving fraud attacks
• Hopkins’ advice for other leaders looking to invest in fraud prevention

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Terrace Finance sought out a solution to stay ahead of evolving fraud attacks. They landed on NeuroID’s behavioral analytics — and gained immediate, pre-submit visibility that upgraded their fraud prevention strategy.

Key Results:

• 50+ reduction in manual reviews
• Reduced fraud for lending partners by over 50%
• $250K in potential losses prevented in a single attack

Experian surveyed product, fraud and credit risk leaders across 10 countries to understand where underwriting is headed. The takeaway is clear: it’s evolving to be frictionless, embedded and nearly instant.

In this report, you’ll discover:

• How credit underwriting is expected to evolve by 2030
• The primary forces driving these changes
• Key takeaways to help your business lead into the next decade