Most Recent Business & Marketing Resources
Data Security Law in 2011: States Remain the Center of Attention
12/07/2010State laws requiring "reasonable" data security have had a positive impact, but data breach notification laws have had the most profound effect on the improvement of data security. Read More...
Cyber Insurance and Your Data Breach Response Plan
10/11/2012In recent months, several entities have publicly announced being affected by cyber incidents. Almost daily, online accounts are hacked, external hard drives are stolen and thumb drives are lost. Read More...
Implications of the HIPAA Omnibus Final Rule with Paula Stannard
03/12/2013Answer man Bob Krenek, also known as Experian's Senior Director of Data Breach Resolution, interviews healthcare attorney Paula Stannard about changes coming down the pike. Stannard, an attorney with Alston & Bird, explains why she believes the new regulations will result in an enormous rise in the number of incidents being classified as healthcare breaches. Read More...
How to Audit Your Incident Response Plan
03/04/2013This webinar provided a checklist of items to review when auditing your response plan. It also reviewed how often you should audit, test, and update your plan. Read More...
Ponemon Study: Securing Outsourced Customer Data
02/07/2013The purpose of the study is to understand the frequency of data breaches when consumer data is outsourced, steps taken to ensure vendors' data stewardship and differences in privacy and security practices between companies that outsource and their vendors. Read More...
Fifth Annual HIMSS Security Survey
12/12/2012This survey reports the opinions of information technology (IT) and security professionals from healthcare provider organizations across the U.S. regarding the tools and policies they have in place to secure electronic patient data. Read More...
Issue Brief: Beyond Traditional Eligibility Verification
12/06/2012How Data and Analytics Can Reduce Fraud and Deliver Better Program Compliance Read More...
PC Mall: An efficient and cost-effective approach to credit risk management
11/14/2012This case study explains how PC Mall was able to manage risk across the Customer Life Cycle with quality data delivered through implementation of BusinessIQ, an offering from Experian Business Information Services. Read More...
LEAF Commercial Capital: Improve portfolio management with competitive data insights
11/14/2012This case study explains how LEAF, an equipment leasing and financial company for dealers, resellers, manufacturers and distributors, is able to stay competitive by refining its business strategies and focusing on development of more profitable account relationships with Experian business credit reports as well as membership in the Small Business Credit Share consortium. Read More...
Interline Brands: Identify Risky Accounts and Centralize Credit Management for Profitability
11/08/2012This case study details how Interline Brands used automated decisioning tools and centralized their credit management platform online with Business Information Services to identify risky accounts more effectively and improve profitability. Read More...
Data Breach Case Study of Lessons Learned from the Field
11/05/2012Data breaches just don't quit, and, for the most part, that's bad news for consumers and businesses. But there's good news too, in the lessons learned from recent events. The business community now has multiple points of reference about what works and what doesn't in breach preparedness and response. Read More...
Edward Don & Company: Achieve Growth with Effective Account Management and Automated Decisioning
11/02/2012This case study details the deployment of a Business Information Services tool that helped a large distributor of foodservice equipment and supplies with account management and continuing their double-digit sales growth. Read More...
Identity proofing: an Experian Public Sector white paper
10/01/2012A risk-based approach to agency identity proofing: Experian's lessons learned and best practices for government agencies. Read More...
Guide to Building Smart Business Credit
10/17/2012Understanding how to build business credit is important. It can save you money, establish valuable commercial relationships, and grow your company. This guide provides clear, concise advice on how to develop business credit over the long haul. Read More...
A Widening Focus: Setting Your Sights on Growth Companies
10/04/2012Small and mid-sized customers are becoming a steadier source of profits for large companies so risk and credit management strategies at companies should be revised to improve evaluation of these prospects. Read More...
Experian/Moody's Analytics Small Business Credit Index - Q2 2012
08/01/2012Findings from the Q2 2012 Experian/Moody's Analytics Small Business Credit Index report finds small business credit conditions have improved slightly amid economic concerns. Read More...
White Paper: Fraud Detection in Newly Opened Accounts--Connecting Data Helps Predict Identity Theft
07/27/2012This paper explores how this new weapon helps detect identity theft and other fraud, how data velocity can prove the key to predicting identity theft, and how to still deliver a strong and quick return on investment. Read More...
White Paper: Driving Profitability and Minimizing Risk Through Portfolio Management
07/27/2012As the economy recovers, managers of small-business portfolios must always remember that their loan portfolios are constantly changing. That's why it's critical for risk managers to look at their debt holders differently. Read More...
White Paper: State of the U.S. Credit Markets - At Last, Signs of Real Recovery
07/18/2012The economy's recovery from the Great Recession may have started slowly, but it is accelerating, and it's genuine. Economic indicators tell the story of improving business prospects. Read More...
White Paper: Understanding Automotive Loan Charge-off Patterns Can Help Mitigate Lender Risk
07/18/2012Loan delinquency rates are one of the most important statistics to track in the automotive finance industry. If consumers are not repaying loans on time, it puts billions of dollars at risk. When high dollar volumes are at risk, it is a negative for everyone in the lending world, including consumers, automotive retailers and lenders themselves. Read More...
White Paper: Universe Expansion - Growth Strategies in the Evolving Consumer Market
07/18/2012As the economy gains strength, lenders are engaging in an increasingly fierce competition to entice the best candidates to their portfolios and to grow their lending business. Read More...
White Paper: Turning the Tide - Managing Troubled Portfolios
07/18/2012The economy may be recovering and the credit picture improving, but lending institutions still find themselves coping with some troubled portfolios. Plus, they always need to be prepared to identify high-risk accounts. Read More...
Insight and Action: An updated guide to help utility companies optimize their collections strategies
07/01/2012The utility industry is facing tough economic challenges and increased pressure to transform. Learn 10 steps utility companies can take to optimize collections strategies in an agile way and overcome the stigma of being less sophisticated in customer insight and risk management practices. Read More...
Ponemon Institute: Third Annual Study on Medical Identity Theft
06/25/2012This annual study on medical identity theft is designed to determine how pervasive this crime is in the United States and how it has affected consumers. Read More...
Ponemon Institute: 2012 Consumer Study on Data Breach Notification
06/06/2012The new 2012 Consumer Study on Data Breach Notification by the Ponemon Institute finds consumers are critical of the notification letters they receive. Read More...
Webinar: State of the Automotive Finance Market, Q1 2012
05/30/2012How is your business competing in today's market? Review of 1st quarter of the 2012 automotive finance market provided a detailed insights into... Read More...
Experian/Moody's Analytics Small Business Credit Index -- Q1 2012
05/08/2012The Q1 2012 report shows that although access to credit remains tight, U.S. commercial credit conditions are improving, with fewer small businesses falling behind on bill payments. The Q1 analysis has shown that small businesses are finally getting some relief from the credit crunch that has plagued many of them since the Great Recession, said Mark Zandi, chief economist at Moody's Analytics. Th Read More...
Webinar: The State of Healthcare Information Security Today
05/10/2012HealthcareInfoSecurity conducted the Healthcare Information Security Today survey to provide an in-depth assessment of the effectiveness of data protection efforts. Read More...
Data Breach Response Guide - Recently Updated
09/25/2012Data breaches are hitting business in nearly every industry. If you aren't prepared, you're already behind - even if you've never experienced a breach. Learn how to develop your response plan and build your response team before you need them. Recent updates include information directed toward entities dealing with healthcare related information and the complexities they might encounter in field Read More...
Infographic: Unlock Data Breach Facts
04/25/2012According to the Ponemon Institute, the norm is for organizations to experience not just one but a handful of breaches. These incidents weigh heavily on organizations long after they've occurred. The Unlock Data Breach Facts Infographic explores how. Read More...
Experian Client Testimonials
04/10/2012Hear from Experian clients on how our best-in-class products and services have helped them grow and protect their businesses through tough economic times. Read More...
Unlocking the Value in Business Information
04/10/2012As hopes for a robust return to market growth continue to dim, and as companies increasingly find that cost-cutting alone is no longer enough to protect the bottom line, finance executives are being challenged to do even more with even less. For companies striving to find secure paths to business expansion, growing profitably may mean learning much more about their customer base- both their curren Read More...
How Smart Companies are Using Rich Data Sources to Manage Risk and Boost Reward
12/06/2011Learn how finance executives are gaining valuable intelligence on customers, on operating performance, and on potential risks -- and how they're using that knowledge to help their companies grow securely in an uncertain world. Read More...
Ponemon Institute: The Aftermath of a Data Breach
03/06/2012The Aftermath of a Data Breach study by the Ponemon Institute shares the insights of IT professionals with actual experience dealing with a breach. Read More...
Ponemon Institute: The Reputation Impact of a Data Breach
03/06/2012According to this study, fifty-four percent of companies believe it can take 10 months to more than two years to restore a company's reputation following a breach of customer data. Find out what else executives are saying about how a data breach can affect the reputation and image of an organization. Read More...
Expand Your Marketable Universe
02/27/2012Credit marketing experts who evaluate the right data assets to supplement targeting efforts will emerge quickly over the next 18 months as leaders in portfolio growth. The key is getting the right product to the right consumer at the most appropriate time. Read More...
December 2011 Business Benchmark Report
01/24/2012The Business Benchmark Report is a quarterly look at how U.S. businesses are faring. Designed to monitor the progress of business recovery, the report looks at four key indicators of business health. Read More...
Case Study: Natural Gas Utility Provider (PINpoint Services)
01/06/2012Utilizing Experian's PINpoint Services product, a leading multistate natural gas utility company identified and linked duplicate customer records, resulting in the collection of $1.8 million in previously unpaid balances. Read More...
Case Study: Bay Area Credit Service LLC (Collection Advantage)
01/04/2012Bay Area Credit Service LLC conducted a three-month trial program that proved Experian delivers superior account management, programming capabilities and account scoring and high-quality data, resulting in dramatic performance improvements and enhanced profitability. Read More...
September 2011 Business Benchmark Report
10/18/2011The report shows that all U.S. businesses have demonstrated an increase in slow payment compared with September 2010, with large businesses showing the greatest increase. Read More...
Security as Business Risk: How Data Breaches Impact Bottom Lines
09/01/2011Security is a business risk which must be accounted for in every organization¿s enterprise risk management plan. Find out how to protect your business. Read More...
June 2011 Business Benchmark Report
08/23/2011The Business Benchmark Report is a quarterly look at how U.S. businesses are faring. Designed to monitor the progress of business recovery, the report looks at four key indicators of business health. Read More...
Best Practices in case of a Healthcare Data Breach
08/09/2011Customer turnover in response to a data breach continues to be a dominant factor in data breach costs. Learn what steps to take during the first 72 hours of a breach incident. Read More...
Case Study: Franklin Mint Federal Credit Union (Auto In the Market Model)
07/05/2011By implementing an auto prescreen campaign, Franklin Mint Federal Credit Union exceeded its return on investment goal by nearly 200 percent and increased its one-year campaign net profit by 60 percent. Read More...
March 2011 Business Benchmark Report
08/31/2011The Business Benchmark Report is a quarterly look at how U.S. businesses are faring. Designed to monitor the progress of business recovery, the report looks at four key indicators of business health. Read More...
Case Study: SC Telco Federal Credit Union (EIRC and Auto In the Market Model)
06/30/2011Like many credit unions, SC Telco Credit Union faced many challenges when trying to increase their bottom line. Over the past year, their goal was to grow their loan portfolio by offering new and used auto loans to prospective and existing credit union members. Read More...
Drive Market Share Gains-Automotive Industry Insights: Q3, 2010
01/10/2010A look at how the Automotive Industry Performed in Q3 2010 Read More...
State of the Automotive Finance Market A Look Back at 2010
06/29/2011A comprehensive overview of the 2010 automotive finance market. Read More...
Drive Market Share Gains-Automotive Industry Insights: Q4, 2010
01/15/2011A look at 2010 Q4 Automotive Industry Performance. Read More...
Medical Identity Theft Trends: The Importance of Securing Healthcare Data
06/19/2011Learn about the findings from the Second Annual Survey on Medical Identity Theft and how it affects American consumers. Read More...
Understanding Changes in Credit Supply and Demand
06/19/2011The U.S. economy has experienced a record drop in consumer borrowing. Experian tracked a sample of credit-active consumers to show consumer deleveraging has occurred & demand for credit has declined. Read More...
State of the Automotive Finance Market
04/20/2011First quarter 2011 Automotive Finance Market Overview including, open automotive loans by risk tier and automotive loan delinquencies Read More...
The Changing Mortgage Landscape
05/25/2011An in-depth analysis of the mortgage boom and bust as illustrated by consumer mortgage credit supply and demand. Read More...
Insight Report: Fighting Fraud in the Government's Age of Austerity
05/25/2011Over $1 billion paid out in fraudulent benefit claims & social housing provision could be eradicated if simple fraud-prevention techniques were implemented more widely across the public sector. Read More...
Driving Customer Loyalty: Moving from Wishes to Actions
05/23/2011Explains a new and more accurate approach to defining and measuring customer loyalty for the automotive industry that allows the entire value chain to make the most informed decisions. Read More...
Navigating Through an Economic Slowdown - Best Practices for Driving Profits in the Right Direction
05/23/2011Explains how dealers can improve their bottom line in the face of an economic slowdown by harnessing the power of deeper business intelligence to make better decisions and outperform the competition. Read More...
First Party Fraud - trends, challenges and outlook
05/15/2011Businesses have many opportunities to uncover bottom-line savings with a focus on applying analytics and decisioning strategies at key process points to detect first-party fraud and minimize losses.. Read More...
The Impact of Vehicle Title Brands on Loan Performance
04/29/2011Significantly higher percentages of title-branded vehicles are financed at Buy Here Pay Here lots, and sold to credit challenged customers. Leveraging the information within vehicle history reports, lenders can identify title-branded vehicles when the loan is made, and mitigate losses. Read More...
State Legislation Effects on Data Breach Resolution
04/11/2011This webinar discusses State data breach bills being considered in 2011, data breach incident response, and trends in data security legislation and regulation. Read More...
Personal Health Information at Risk: Issues and Answers
04/07/2011This webinar discusses consumers' privacy expectations, best practices for protecting data in compliance with HIPAA and HITECH, and what steps to take in the event of a data breach. Read More...
2011 a Year for Action
04/01/2011In the Nation's consumer credit markets, 2011 should prove to be the year of expanded recovery that 2010 was suppose to be. Read More...
Second Annual Survey on Medical Identity Theft
03/01/2011This survey reveals the lack of awareness many Americans have about medical identity theft and the devastating consequences it can have. These include financial loss, incorrect medical records and harm to their credit scores. Moreover, medical identity theft appears to be an easy crime to commit. Read More...
December 2010 Business Benchmark Report
02/14/2011The Business Benchmark Report is a quarterly look at how U.S. businesses are faring. Designed to monitor the progress of business recovery, the report looks at four key indicators of business health. Read More...
How Policy Will Shape Data Privacy in 2011
01/01/2011This webinar offer a brief overview of the changing landscape in data privacy and a look at how policymakers view the regulatory environment. Read More...
How to Decrease Fraud Losses while Creating Customer Loyalty
01/01/2011Breaches are about more than identity fraud. They are about placing brand equity and customer loyalty at serious risk. Read More...
A 360 View of a Data Breach
12/07/2010Find out what to do when there is a data breach, from investigation to notification. Read More...
Credit Trend Highlights from Q3 2010
12/01/2010Refreshed on a quarterly basis, Experian and Oliver Wyman are supplying the industry with previously unavailable credit and loan performance trends. (60 min each) Read More...
Data Breach Case Studies: From Incident to Resolution
12/01/2010An investigative approach to data breaches. Learn important lessons learned from data breach case studies where some key tactics were applied. Read More...
Data Breaches - 2010
11/21/2010This paper discusses how data breaches happen and what your organization can do to prepare. Read More...
Legislative Update 2010: What's on the Horizon in DC & the States
11/19/2010The new law, called the Dodd-Frank Act, will change the way many large and small financial institutions operate, likely placing downward pressure on the availability of consumer credit. Read More...
November 2010 Business Benchmark Report
11/01/2010The Business Benchmark Report is a monthly look at how U.S. businesses are faring. Designed to monitor the progress of business recovery, the report looks at 4 key indicators of business health. Read More...
September 2010 Business Benchmark Report
11/01/2010The Business Benchmark Report is a quarterly look at how U.S. businesses are faring. Designed to monitor the progress of business recovery, the report looks at four key indicators of business health. Read More...
October 2010 Business Benchmark Report
10/01/2010The national avg. days that businesses paid their bills beyond contracted terms remained flat when compared with September, but this metric has seen a 10% increase since the beginning of the year. Read More...
How to Conduct a HITECH Risk Assessment
09/23/2010View this webinar to learn new insights into what you can do to proactively address HITECH compliance. Read More...
Risk Assessment in a HITECH World - Healthcare Privacy and Security
09/01/2010Learn the why and how of conducting a risk assessment for compliance with HITECH. Find out what approaches you should take and who should be involved to minimize vulnerability in healthcare privacy and security issues. Read More...
Credit Trend Highlights from Q2 2010
09/01/2010Refreshed on a quarterly basis, Experian and Oliver Wyman are supplying the industry with previously unavailable credit and loan performance trends. (60 min each) Read More...
Data Breaches in 2010: Causes Consequences, and How to Prepare Your Organization
08/15/2010This webinar discusses do's and don'ts about how to react in the face of sudden data loss and gain key insights into developing a proactive data breach preparedness plan. Read More...
August 2010 Business Benchmark Report
08/01/2010The percentage of dollars delinquent has increased by 6%. This has been following a consistent trend over the last 6 months, where percentage of dollars delinquent has shown a 14% increase. Read More...
2010 Q1 Automotive Marketplace Insight Snapshot
03/20/2010The Q1 quarterly trend analysis from Experian Automotive presents data from the first quarter, 2010 on new vehicle registrations, corporate loyalty and brand loyalty. Read More...
July 2010 Business Benchmark Report
07/01/2010The national average number of days that businesses paid their bills beyond contracted terms increased by 2 percent in July compared with June. Read More...
2010 Q1 Automotive Credit Insight Snapshot
06/15/2010Features market reporting data & analysis from Experian Automotive's AutoCount Risk Report, analyzing automotive lending markets based on a uniform measurement of credit quality that segments markets. Read More...
Unique Insights on Consumer Credit Trends
06/03/2010Refreshed on a quarterly basis, Experian and Oliver Wyman are supplying the industry with previously unavailable credit and loan performance trends. (60 min each) Read More...
Solutions & Best Practices for Addressing a Healthcare Data Breach
06/01/2010Healthcare data breaches are an increasing issue & this paper addresses reasons for that. Find out what you need to know about data breach best practices in healthcare data breach resolution. Read More...
June 2010 Business Benchmark Report
06/01/2010Very large businesses (those with more than 1,000 employees) have shown a 25.9 percent improvement in the average commercial risk score* category, going from 33.0 in January to 41.5 in June. Read More...
Finding Creditworthy Consumers in a Changing Economic Climate
05/01/2010As lenders consider how to move beyond recession-based management strategies, this study looks at how leveraging methods using VantageScore in conjunction with consumer credit behaviors can effectively identify profitable opportunities. Read More...
Consequences of Medical Identity Theft & Healthcare Data Breaches
04/15/2010An estimated 1.4M Americans were victims of medical identity theft in '09. This white paper addresses the impact of a breach to consumers and the business and provides data to support the conclusions. Read More...
Understanding Small-Business Risk Through the Economic Down Cycle
04/01/2010An in-depth look at small-business performance in challenging market conditions. Read More...
The Future of Credit Card Underwriting
04/01/2010The card lending community is facing increasingly tighter regulations, restrictive lending criteria and continued economic challenges which will continue to impact how the industry does business going forward. Read More...
Understanding Changes in Credit Supply and Demand
04/01/2010The U.S. economy has experienced a record drop in consumer borrowing. Experian tracked a sample of credit-active consumers to show consumer deleveraging has occurred & demand for credit has declined. Read More...
The Changing Mortgage Landscape
04/01/2010Supply and demand across the credit risk spectrum Experian? analyzed the levels of supply and demand of consumer mortgage credit prior to and after the market meltdown. The increasing rift in consumer behavior between those in the highest credit-quality brackets and those in the lower brackets necessitates a new perspective on the credit-active population that takes into account two or more disti Read More...
About Medical Identity Theft and Healthcare Data Breaches
03/31/2010The frequency of medical identity theft is on the rise. Explore what that means to your company's and your client's risks of a medical data breach and potential loss of customer and brand loyalty. Read More...
Enhance Your Decision-Making Capabilities
01/01/2010A guide for improved business performance -- The purpose of this guide is to help you identify, prioritize and implement enhanced decision-making capabilities for improved business performance. It is organized in three sections: Identity, Prioritization, Implementation. Read More...
Portrait of a Fraud Victim: Affluent Suburbans Most at Risk
01/27/2010Experian has produced a powerful and descriptive portrait of identity fraud victims. This analysis makes it clear that affluent suburbans top the list as the most at-risk consumers. Read More...
Impact on Consumer VantageScore Credit Scores
01/01/2010This paper discusses the impact on consumer VantageScore credit scores due to various mortgage loan restructuring options. Read More...
Combating the Rising Tide of Medical Identity Theft
10/01/2009A data breach can be a gold mine for medical identity thieves. Learn about medical identity theft and how fraud resolution experience can help resolve the damaging consequences. Read More...
Data Breach Response Best Practices Prepared for Experian
05/01/2009Data Breaches have become commonplace ? 26% of U.S. consumers have received data breach notifications. This report lists best practices for organizations before, during, and after a data breach. Read More...
Key Consumer Trends In The U.S. Financial Industry
01/01/2008Federal Reserve Chairman, Ben Bernanke, noted that consumer spending "appears to have slowed significantly," while higher energy prices and a weakening job market could weigh further on consumption. Read More...
AutoCheck Score Does a Number on Traditional Vehicle History Reports
06/08/2007Explains the contributing and weighting factors that determine a vehicle's AutoCheck Score and what dealers, lenders, consumers and other users can expect to gain. Read More...