At the core of Experian's business is a vast store of information - about consumers and how they behave, about businesses and how they perform, and about banking/ insurance policies and other valuable assets.

We harness this data to create insight for our clients, enabling them to make better decisions. We do this through our three principal activities - credit services, decision analytics and marketing services.

Credit services
We use the information we hold on the application and repayment histories of consumers and businesses to produce reports for our clients - many of whom are in the retail or financial sectors. These reports in turn help them to take more informed lending decisions with their customers.

Decision analytics
We take that same information and use it to create analytical and decision-support products. In particular, we offer key services such as strategy management and Optimization, debt management and anti-fraud solutions.

Marketing services
Use geographic, demographic and lifestyle data to create a host of products and services, which are used to help clients acquire new customers and maximise their relationships with existing ones. This includes consumer profiling and segmentation with Mosaic; retail shopper analysis from FootFall data quality checking from QAS Internet intelligence from Hitwise and email marketing from CheetahMail.