Identify Profitable and Risky Accounts
Experian® understands that proactively managing accounts helps minimize risk from customers experiencing negative credit events. Conversely, continual tracking and analysis of a portfolio helps clients maximize revenue opportunities by knowing when to extend credit to profitable accounts.
Manage portfolio risk with the following products and services focused on your commercial or consumer customers:
COMMERCIAL FOCUSED PRODUCTS
Account Monitoring ServiceSM
Ideal for portfolios over 5,000 commercial accounts.
Manage risk and improve cash flow with this comprehensive portfolio monitoring system for your business customers. Enjoy the industry’s best trigger capabilities, including alerts to derogatory events such as bankruptcies, liens, judgments and late payments.
Portfolio MonitorSM
Saves you time and money by providing notifications when businesses in your portfolio experience derogatory events such as bankruptcies, liens, judgments or late payments. Ideal for portfolios under 5,000 accounts.
Portfolio Scoring
Identify risks and opportunities by regularly scoring your portfolio of business customers. Segment businesses into risk groups for specific action and follow-up and track trends to refine credit policies. Uses highly predictive Intelliscore Plus score.
Small Business Credit ShareSM Portfolio Risk Scores
Mitigate risk and maximize revenue with exclusive portfolio score models for the Small Business Credit Share consortium. Three models are available by portfolio type — all financial, commercial credit commercial retail credit card.
Small Business Credit Share ReportSM
Cooperative database that enables cross-industry clients to contribute commercial portfolio data in exchange for exclusive access to unique account data — including financial and non-financial trade contributor information.
CONSUMER FOCUSED PRODUCTS
Account AdvisorSM
Analyzes portfolio risk, risk trends and individual account trends, and segments portfolios according to balance, risk score and payment history.
Account Review Advantage
Take greater control of your portfolio by accessing credit based scoring models, and consumer contact information on a daily basis.
Archive Programs
Optimize the management of your existing accounts by refining your portfolio management tools to identify areas that present the highest potential profit to the highest risk.
Baker Hill® Portfolio Risk Advisor®
Improves the overall quality of an institution’s portfolio by turning reactive manual account review into an automated, continuous process.
Bureau Scoring
Identifies best prospects for new offers and the most profitable accounts to collect on using industry-specific risk models.
Credit Migration SolutionsSM
Alerts you to changes in your consumer’s credit behavior and provides trending data. This information will allow you to make timely offers or increase lines of credit. Tells you when customers hit your risk threshold so you can act quickly and reduce losses.
Decision InsightSM
Automate approvals for new customers using preset, customizable rules that reflect your company’s credit policy. Combines automated decisioning with the Intelliscore Plus score.
Market Intelligence Report – Consumer Credit Market Trends
Experian-Oliver Wyman Market Intelligence Reports
Access previously unavailable insights into timely consumer credit market trends. Compare trends against your portfolio, access credit segment details, and leverage customized reports. Easy-to-understand reports are delivered in two subscription formats, with an option for producing analyses and models.
Notification Services
Our event-based triggering tools provide daily notification of credit behavior changes, inquiries and derogatory information such as bankruptcies or late payments.
QuestSM
Identifies profitable accounts and refines decisioning for credit line increases and offers. Predicts delinquent behavior and increases revenue recovery.
Trend View
Make the most appropriate offers to customers and prospects at precisely the right time.
