Business Challenge
IT development and channel diversification have led to an ever increasing number of customer transactions being carried out remotely. As fraud and over indebtedness trends emerge in many countries the need to ‘know’ each customer as an individual has become crucial to business success.

Solution
In many countries around the world, lenders have access to information to help them assess the creditworthiness of an applicant for credit. The organisations that gather the data and operate these services are Credit Bureaux. Experian group is one of the world’s largest and most successful providers of Credit Bureau services and solutions.

Experian Group is a global leader in providing Credit Bureau services worldwide, owning and operating Credit Bureaux in more than twelve countries including US, UK, Italy, South Africa, Netherlands, Spain, France, Ireland, Norway, Denmark, Bulgaria, Russia and Romania. Through this knowledge, Experian Decision Analytics’s Credit Bureau services, known as Profile+, have been developed in three core areas:

Credit Bureau Software
Experian Decision Analytics can supply proven specialist software and knowledge, delivered through its consulting services, to enable the establishment of new national Credit Bureaux operated either by Experian or a third party organisation.

Added value solutions
Experian Decision Analytics partners independent Credit Bureaux adding value and intelligence to their systems and data through advanced software solutions. Solutions include bureau scoring and fraud detection.

Consulting
Our consulting services address every aspect of Credit Bureaux from initial feasibility to the development and operation of a Credit Bureau.

Through a global office network Experian Decision Analytics implements this world class expertise into both developed and emerging markets.