Credit bureau services Credit bureau services
Credit bureau services

Helping you lend more responsibly, fairly and quickly

Today, data offers you the capability to make better lending decisions than ever before. Experian holds, protects and manages data that helps to make lending simpler, faster and more effective. We collect and analyse the credit histories of over one billion people and business globally to produce credit reports. These reports are used by businesses to help make better lending decisions. We also combine international credit bureau expertise and best-in-class operational experience to help organisations transform regulatory change into responsible growth, improved operational efficiency and enhanced customer experience opportunities.

Why choose Experian?

Expertise
  • 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 +49, we are consistently regarded as the best bureau team in the country to work with. We work with you in a consultative partnership approach.

Innovation
  • Continuous innovation

    We are one of the Top 100 World’s Most Innovative Companies by Forbes for the 5th consecutive year and invest of $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 in other markets such as Ascend Analytics Sandbox (winner of the 2019 Fintech Breakthrough Award) and Text for Credit (winner of the 2018 Fintech Breakthrough Award).

  • 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.

Data
  • Compelling pool of CCR analytics data1

    We hold 94% of the credit active Australian population.

  • 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 specialty 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.

  • Efficient

    We have a low CCR reject rate, ensuring rework is minimised, and are working toward uploading new CCR data within 24 hours.

Technology
  • Highly responsive

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

  • Stable

    Peace of mind with stable, agile and high performing technology with zero outage deployments. Experian’s bureau has a Service Availability Time of 98%.

  • Secure

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

  • Certified

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

Would you like more information? Please complete the form below and a member of our team will be in touch shortly.

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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