EVA, Experian’s AI Financial Assistant, Simplifies Money Management

Introducing EVA, a Financial Copilot for Everyday Decisions

Since its launch, EVA, Experian's AI-powered personal finance assistant, has helped millions of consumers better understand their credit. Now, EVA's latest evolution goes beyond credit insights to give you clearer visibility into your spending and cash flow.

Combining Experian's proprietary data and advanced AI, EVA turns complex credit and account information into simple, practical next steps. Just connect your financial accounts to your Experian account, and EVA suggests actions that can help you reduce unnecessary spending, manage subscriptions and save money.

Example: EVA can analyze your connected accounts and highlight recent spending patterns, such as increased subscription or grocery costs in the past few months.

Built on Experian's trusted data foundation, EVA uses bank-level encryption and a trusted third-party service to connect your accounts and transfer data securely, plus additional security measures to help keep your information safe. You choose the accounts you want to share with us and can revoke access at any time.

What Can EVA Help Me Do?

As your virtual financial assistant, EVA analyzes your connected financial accounts to provide:

• Spending insights: Tracks and categorizes your spending and highlights trends over time
• Large transaction alerts: Flags large transactions you may want to review for potential fraud
• Help managing bills: Alerts you to upcoming due dates and predicted amounts so you can budget better and pay bills on time
• Personalized offers: Shares relevant credit offers based on your account data and credit profile
• Tailored recommendations: Suggests next steps and opportunities, such as ways to reduce unnecessary expenses
• Automated actions: Freezes, unfreezes, locks or unlocks your Experian credit file or manages your Experian membership

EVA now helps you move from insight to action, suggesting clear, practical ways to move closer to your financial goals.

How Does EVA Work?

EVA is easy to use. Here's how it works:

1. Connect your accounts. Grant Experian permission to access information from your chosen financial accounts.
2. EVA analyzes your data. Using Experian's proprietary data and information from your connected accounts, EVA identifies spending patterns, upcoming bills and factors affecting your credit.
3. Chat with EVA. Have a conversation with EVA to ask questions and get insights and suggested actions you can take to help reach your financial goals.
4. EVA adapts. EVA tailors recommendations based on your account activity and how you interact. Take some time to explore EVA's capabilities by asking what it can help you with.

Example: Try asking EVA, "Show me subscriptions I can cut," "What credit cards match my profile?" or "What can I do to improve my credit scores?"

Is It Safe to Use an AI Financial Assistant?

It's important to be confident your data is secure when using any AI tool for personal finance. EVA is built on Experian's trusted data foundation and uses only information you grant us permission to access. Your financial accounts are connected to your Experian account via a trusted third-party service, using encryption and other security measures. You choose the accounts you want to share with us and can disconnect accounts at any time.

When you connect your accounts, you may also be granting access to Mastercard Data Connect, the service Experian uses to collect data. Mastercard cannot access your username, password or full account numbers. Experian does require account and routing numbers to enable transactions from eligible checking and savings accounts, but to help protect against fraud, we give authorized third parties "substitute account numbers" that function like real account numbers without exposing your actual details.

Learn more: Is It Safe to Link Your Bank Account to Experian?

Who Can Benefit From a Virtual Financial Assistant?

A virtual financial assistant can help smooth the path no matter where you are on your financial journey:

People New to Credit

When you're just starting out with credit, it can be hard to know where to begin. EVA can help by explaining credit basics, providing personalized insights into your credit score and suggesting simple steps you can take to build or improve your credit.

People Who Want to Know Where Their Money Goes

Enlisting EVA as your AI budgeting tool can save time and effort. EVA uses data from your connected financial accounts to track your spending, highlight recurring expenses and large transactions, and identify trends like increased spending in certain categories.

People Looking for Their Next Financial Opportunity

From rewards credit cards to balance transfers, there are plenty of tools you can use to enhance your financial power, but finding and evaluating them takes time. EVA streamlines the search process by showing you personalized credit offers that match your unique credit profile and fit your needs and goals.

How to Start Using EVA

EVA is built into your free or paid Experian account, so it's easy to use. Simply sign in on the Experian website or mobile app and you'll see the option to "Ask EVA" in the bottom right corner of your screen.

To get the most from EVA's AI money management features, you'll need to connect your financial accounts. Here's how:

1. Sign in to your Experian account, click the avatar in the top right corner and select "Your Account" from the dropdown menu.
2. Click the "Connected Accounts" tab at the top of the screen.
3. Click on "Add Account" and select the option to add an account to "Track your spending."
4. On the right-hand side of the next screen, you'll see options to add your bank accounts, credit cards, loans and investment accounts.
5. Click the "Notification Preferences" tab to select the alerts, personalized insights and offers you want to receive.

The more information you share, the better EVA can understand your overall financial situation and tailor guidance for you. You can easily disconnect your accounts at any time.

Make EVA Your Financial Copilot

Staying on top of your finances is key to reaching your goals, but busy days don't always leave time to review your spending and assess your options. EVA is the AI financial assistant you can keep in your pocket and chat with whenever you have a spare moment. It's a convenient, conversational way to see where your money goes and make important financial decisions with greater clarity and confidence.

To try EVA, log in or sign up for your Experian account and start chatting.

^*EVA provides general information and educational insights only. It is not a financial advisor and does not provide personalized investment, legal, tax, or accounting advice, nor does it establish any advisor-client or fiduciary relationship. Any financial offers displayed are provided by third-party lenders and are subject to the lenders' eligibility and approval processes. Users should consult a qualified, licensed professional for personalized advice. Experian's AI tools operate under internal governance, testing, and privacy controls designed to promote accuracy, fairness, and consumer protection.