Experian ESG Presentation Deck
Executive Summary Improving Financial Health
Social - Improving Financial Health
Data
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Employees
Supply Chain
1 through Core products
Improve credit visibility
Experian Go launched in the USA in FY23, enabling 'credit invisibles' to
establish their financial identity in minutes. For those people who have since
become scoreable, the average starting FICO® Score 8 is a near-prime 686.
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The Buy Now Pay Later Bureau we're developing will help more US
consumers with no or thin credit files gain access to fair, affordable financial
services. This speciality bureau will give lenders a more complete view of
people's repayment behaviours to drive responsible and inclusive lending, while
protecting consumer credit scores from negative impact.
Understand and manage finances
Worldwide, 134 million people use our free online services - such as
CreditExpert in the UK, Credit Tracker in the USA and Serasa Free Score in
Brazil - to access products and services that can help them understand and
manage their credit profiles.
experian
We use our data and analytics expertise to offer a wide range of core products and services that promote
financial wellbeing.
We provide guidance on how to manage financial profiles through our websites
and social media channels, such as AskExperian, #CreditChat and Experian
News. #CreditChat reached five million people this year, with over 100,000
active engagements across 57,000 posts.
O Experian Public
Environment
Governance
Policies & Data tables
Appendix
1. FY22 data unless specified
TM
Boost credit scores
Experian Boost empowers UK and US consumers to instantly boost their
scores by adding positive data - such as on-time payments for utility bills or
streaming services - directly to their credit profile. Millions of people have used
Experian Boost since it launched in 2019 in the USA and 2020 in the UK, with 72
million points added to Experian members' credit scores in America so far.
Boosted customers are getting market-leading offers on credit cards and loans
from major lenders.
Get Fairer, faster offers
Work Report enables people to share information on their income, employment
and tenure with lenders in seconds through a single digital exchange. Early
tests show a 10% increase in acceptance rates without any compromise to
affordability assessments or credit performance.
Our credit risk, affordability and compliance services are helping Keebo, a
challenger credit card provider in the UK, draw on alternative data sources such
as open banking to offer freelancers and other 'credit invisibles' access to credit
in a matter of minutes via Keebo's app.View entire presentation