Experian Credit Services helps organisations to evaluate the risks and rewards associated with providing credit to consumers and businesses. We enable clients to take better informed lending decisions and to make it easier and quicker for their customers to obtain finance.

Our credit databases hold information about the credit status of more than 460 million consumers and 35 million businesses around the world. This information is collected from publicly available sources and lending organisations and it is used by our clients to confirm the identity of applicants and to help them decide whether to provide credit and on what terms. It also assists them in determining what measures to take when a customer fails to fulfil the terms of a credit agreement or other obligation.

The collection and use of credit information, particularly about individuals, is strictly controlled by law. Experian goes to great lengths to ensure that we comply fully with the regulations that apply within each of the countries in which we operate. In many countries we play a leading role in helping consumers to understand how credit information is used and how to avoid the perils of fraud and over-indebtedness. Currently within the Asia Pacific region Experian has credit services capability in a number of countries including China, Singapore and Korea.

Our long experience of managing very large credit databases has resulted in us becoming the host for other types of information too. We maintain data on over 600 million motor vehicles, and we also support the insurance industry with a database of previous insurance claims, allowing companies to confirm instantly the claims history of new applicants.

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