Credit Bureau

Helping you lend more responsibly, fairly and quickly

Experian collects and analyses the credit histories of over one billion people and businesses globally to produce credit reports. These are used by businesses to help make decisions about lending and lending terms. By providing an unbiased assessment of a customer, the reports widen access to credit so that individuals are closer to getting the credit they need, at a rate they can afford.

For individuals requesting an Experian Credit Report please visit Consumer Services.


Local, regional and global reach

We have expertise in operating credit bureaus across the globe – 23 consumer bureaus with over 1 billion records. You can get access to a range of local, regional and global experts to help achieve your business goals.

Consultancy services

Our consulting teams have many years of experience in transforming information and insights into outcome-focused strategies and solutions. Services cover credit risk across the customer lifecycle, Comprehensive Credit Reporting (CCR), open data, decisioning infrastructure, data integration and pricing.

High customer satisfaction

With a Net Promoter Score (NPS) of +53, we are consistently regarded as the best bureau team in the country to work with. We work with you in a consultative partnership approach.


Continuous innovation

We are one of the Top 100 World’s Most Innovative Companies by Forbes for the 5th consecutive year and invest $1 billion annually to develop cutting edge solutions.

Innovation ecosystem

We employ over 530 data modellers, engineers and scientists with multiple data and innovation labs across the globe. Get access to Experian global innovations  such as Ascend Analytical Sandbox (Named 'Best Overall Analytics Platform' Fintech Breakthrough Awards 2020). 

Local innovations

We have a deep understanding of the Australian market and have developed custom local innovations such as the Experian Horizon benchmarking tool to help unlock the power of data.


Compelling pool of CCR analytics data

We hold 94% of the credit active Australian population.1

High quality data in market

We have the lowest correction requests comparative to competitors2.

Highly predictive

Benefit from consistently high predictive (GINI)3 CCR score to make better credit assessments and uncover new opportunities.

Fast growing and unique data sets

Secured from critical sectors of the Australian credit industry as well as from niche areas such as Specialty Finance data, short-term loans (including Buy Now Pay Later) and consumer leasing, enabling a more complete view of your customers.


We have a low CCR reject rate, reducing the need for rework. 85% of the files we receive are included in the bureau on the day of receipt, with all files loaded and response files delivered within 24 hours.


Highly responsive

We have a fast response time of less than 0.5 seconds for enquiries.


Peace of mind with stable, agile and high performing technology with zero outage deployments. Experian’s bureau has a Service Availability Time of 99.9%.


Local data servers have Encryption at REST and IMPERVA Distributed Denial of Service (DDoS) safeguarding your consumer data with global best solutions.


Data centres are ISO 27001 ISO 9001 certified to ensure industry best practice in areas such as security incident management and quality management systems.

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1 CCR Analytics Data in Transition Lab (T-Lab)

2 AFCA report on complaints received between November 2018 and April 2019 - 35,263 complaints received where 2,282 relate to consumer credit profiles and Experian received and corrected 414 requests (1% of total complaints)

3 Current Experian bureau GINI is 79