A new opportunity to build high-value relationships With Experian Express, credit unions and community banks can offer benefits to both consumer and business customers seeking access to credit. Consumers and businesses want more digital convenience, and a primary institution that can meet their needs in one place, as more than half of consumers who switch their primary bank hold over four checking relationships¹ and 55% of U.S. consumers say mobile apps are their most‑used method for managing bank accounts,² while customers across all age groups are curating financial services from multiple providers due to digital gaps at their primary institutions.³ Community banks and credit unions that offer integrated digital credit products, faster onboarding, and personalized advice can convert today’s rising credit demand into long-term, primary relationships rather than one-off loan transactions.What is the value of the opportunity for capturing more consumer and business relationships? Both consumers and businesses are showing strong signals of growth in their demand for credit.

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Financial security has become one of the most pressing concerns in today’s workforce. Rising living costs, higher debt, market volatility and an ever-growing threat of identity theft are putting pressure on employees across every income level. For employers, this shift presents both a challenge and an opportunity: how to meaningfully support employees’ financial well-being in a way that drives engagement, loyalty and long-term success. The reality is clear. Traditional benefits alone are no longer enough. While a steady paycheck, insurance coverage, and retirement plans remain essential, employees increasingly expect their employers to play a more active role in helping them manage day-to-day finances, build credit confidence and protect their identities. When financial stress goes unaddressed, it impacts productivity, mental health and retention, and employers feel the effects just as strongly as their people do. Why fragmented benefits fall short Many organizations offer pieces of financial protection, but those offerings are often disconnected. Identity protection may stop at basic monitoring and alerts. Credit education is frequently limited to static resources that don’t reflect real-life financial behavior. Financial wellness tools, when available, are often treated as optional perks rather than foundational benefits. The problem isn’t a lack of tools; it’s a lack of connection. Employees don’t need more standalone solutions; they need integrated support that meets them where they are and evolves with their financial lives. The rise of all-in-one financial protection Forward-thinking employers are redefining their benefits strategies by adopting a holistic approach to financial well-being. The new standard combines three essential pillars into a single, cohesive experience: Credit education helps employees understand their credit profiles, build healthier habits and make informed financial decisions that unlock better opportunities. Financial wellness tools provide personalized guidance for budgeting, saving, managing debt and planning for the future, reducing stress and improving confidence along the way. Identity protection safeguards employees against fraud and cyber threats with proactive monitoring, alerts and hands-on recovery support when it matters most. When these elements work together, employees are better equipped to protect their paychecks, secure their identities and plan for long-term stability. The result is a workforce that feels supported, empowered and engaged. Turning financial well-being into a strategic advantage At Experian®, we believe financial well-being should be a strategic advantage, not an afterthought. Our all-in-one employee benefits solutions are designed to deliver measurable impact, from improved credit outcomes and reduced financial stress to stronger engagement and retention. By partnering with us, employers can offer a seamless, scalable and trusted experience that supports employees through every stage of their financial journey, while reinforcing their commitment to employee well-being. Download the full report Want to learn more about how credit education, financial wellness and identity protection come together to create a stronger benefits strategy? Download our report to explore the data, insights and strategies shaping the future of employee financial benefits and how your organization can lead the way.

What is new account fraud? New account fraud occurs any time a bad actor creates an account in your system utilizing a fake or stolen identity. This process is referred to by different names, such as account takeover fraud, account creation fraud, or account opening fraud. Examples of some of the more common types of new account fraud include: Synthetic identity (ID) fraud: This type of fraud occurs when the scammer uses a real, stolen credential combined with fake credentials. For example, they might use someone’s real Social Security number combined with a fake email. Identity theft: In this case, the fraudster uses personal information they stole to create a new scam account. Fake identity: With this type of fraud, scammers create an account with wholly fake credentials that haven’t been stolen from any particular person. New account fraud may target individuals, but the repercussions spill over to impact entire organizations. In fact, many scammers utilize bots to attempt to steal information or create fake accounts en masse, upping the stakes even more. Explore fraud solutions

Experian Automotive Series | What Auto Marketers Are Prioritizing in the Second Half of 2025 Updated November 17th  As we close out our four-part series on what auto marketers are prioritizing in the second half of 2025, we’re shifting gears from strategy to execution. It’s time to explore how marketers are operationalizing data, seeking clarity, and building emotional connections that deepen relationships with customers. With the end of the year’s competitive automotive landscape, clarity and connection aren’t just buzzwords—they’re the cornerstones of growth and loyalty for 2026. Let’s start by exploring how clarity empowers today’s marketers to steer their strategies with control. Clarity: Putting marketers in the driver’s seat Data-guided auto marketers who leverage data insights have a clearer understanding of where consumers are on their car-buying journey. You can learn whether car buyers are gearing up for: A longer commute and want an electric vehicle (or a hybrid vehicle).1 Expanding their family and want a top-tier safety rating with cargo space. Factoring in market trends and wanting to be more economical.2 Creating a new and loyal customer base requires dealers, marketers, and OEMs to focus on clarity and connection. This will be more relevant than ever in the final days of 2025. Gone are the days when dealers and agencies used platforms and tools they did not understand. More businesses are simplifying their services and products by offering guides, Artificial Intelligence (AI) tools, tutorials, consultants, and webinars. At Experian Automotive, we’re here to do just that, bringing clarity to our auto solutions, such as the Experian Marketing Engine (EME). While the EME tool has robust and dynamic data, two of our most widely used features — AutoAudiences and AutoInsights — stand out for their impact. Let’s break them down in the simplest way: AutoInsights helps marketers define where, what, and how. AutoAudiences helps reach who to target and when they might be in the market. For further clarification, savvy marketers leverage AutoInsights to strategize and understand their market, then activate AutoAudiences to curate marketing opportunities. With these tools empowering clarity, it’s equally important to focus on building genuine connections with car shoppers. Connection: Personalized experiences that drive sales Building a strong connection starts by truly understanding what consumers need and where they are on their car-buying journey. It’s important to know how consumers plan to use their vehicle and how they have serviced their cars in the past (or how they plan to service them in the future). By focusing on these details, marketers and dealerships can create more meaningful relationships and deliver helpful, relevant experiences that customers value. On the journey to better connections, consider your customers’ communication preferences, 2026 plans, and affordability.3 “Human connection…separates good stores from great ones,” notes Dealer Principal, Matt Birckhead at Sir Walter Chevrolet4 , while General Manager, Michael Wood at Jaguar Land Rover Virginia Beach collaborates with his Digital Director, Ryan Montville, to generate vehicle specs and feature descriptions that connect emotionally with target buyers 5. Key Takeaway: Automotive marketers who leverage data-informed clarity and authentic customer connection are best positioned to drive growth and loyalty in the final days of 2025 into 2026. By using innovative tools like Experian Marketing Engine, focusing on consumer needs, and personalizing every interaction, dealerships, agencies, and OEMs can optimize campaigns and foster lasting relationships. Mastering clarity with data and building emotional connections are the keys to success in automotive marketing today.

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Paragraph Block-  is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry's standard dummy text ever since the 1500s, when an unknown printer took a galley of type and scrambled it to make a type specimen book. It has survived not only five centuries, but also the leap into electronic typesetting, remaining essentially unchanged. It was popularised in the 1960s with the release of Letraset sheets containing Lorem Ipsum passages, and more recently with desktop publishing software like Aldus PageMaker including versions of Lorem Ipsum. New Text! This is an image caption This image is linked to google This is my classic editor! Heading 2 Heading 3 Heading 4 Heading 5 This is a list Item 1 Item 2 Sub list Sub list 2 Sub list 3 More list More list 2 More list 3 More more Learn more about credit Credit Button Credit Automotive This is the pull quote block Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry's standard dummy text ever since the 1500s,This is the citation This is the pull quote block Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry's standard dummy text ever since the 1500s,This is the citation Table elementTable elementTable elementmy tablemy tablemy tableTable element Table elementTable element Media Text Block of the printing and typesetting industry. Lorem Ipsum has been the industry's standard dummy text ever since the 1500s, when an unknown printer took a galley of type and scrambled it to make a type specimen book. It has survived not only five centuries, but also the leap into electronic typesetting, remaining essentially unchanged. It was popularised in the 1960s with the release of Letraset sheets containing Lorem Ipsum passages, and more recently with desktop publishing software like Aldus PageMaker including versions of Lorem Ipsum My Small H5 Title My first column title Many desktop publishing packages and web page editors now use Lorem Ipsum as their default model text, and a search for 'lorem ipsum' will uncover many web sites still in their infancy.  My second column title Many desktop publishing packages and web page editors now use Lorem Ipsum as their default model text, and a search for 'lorem ipsum' will uncover many web sites still in their infancy.  Button Group Heading 1 This is Icon List Heading 2 This is more info Heading 3 Last info Heading 1 This is Icon List Heading 2 This is more info Heading 3 This last icon [exp-media-shortcode] Related Posts typesetting, remaining essentially unchanged. It was popularised in the 1960s with the release of Letraset sheets containing Lorem Ipsum passages, and more recently with desktop publishing software like Aldus PageMaker including versions of Lorem Ipsum. Title text

By Joy Mina, Director, Product Commercialization  As the verification landscape evolves amid rising fraud and increasing demand for digital efficiency, a strategic reassessment of how we ensure data accuracy is no longer optional—it’s imperative. In this environment, trust must be built not only in consumer identities but also in the datasets lenders use to make critical decisions. At Experian, we believe a thoughtful, layered approach to identity verification and data validation is key to building that trust.  New Content!  Rethinking Data Confidence: Why Pinning Matters More Than Ever  The rise in synthetic identity fraud and employer misrepresentation has challenged traditional income and employment verification models. In fact, recent fraud studies show that synthetic identity fraud accounted for 27% of all fraud reported by U.S. businesses in 2023, with expectations of a surge in 2024 due to AI-generated deepfakes and evolving scams1. The consequences are not only financial—they also erode lender confidence in verification outcomes.  To help lenders meet these challenges head-on, Experian Verify™ employs a multi-step, comprehensive PIN approach that leverages our vast credit and verification data ecosystems to validate both the who and the what of every piece of data associated with a Verification transaction.   The Mechanics of Dual Pinning: More Than Just Matching  1st Pin – Verifying Identity with Credit Bureau Rigor  When a verification inquiry is submitted, Experian Verify uses advanced PII (personally identifiable information) search algorithms to confirm the individual exists within Experian’s credit database. The “PIN” refers to a unique person identification number that is assigned to each consumer within Experian’s Credit ecosystem. If the consumer cannot be “pinned,” the verification transaction stops, and no data is returned. This not only protects the lender from fraudulent inquiries but also prevents invalid results from progressing through the pipeline.  2nd Pin – Verifying Data Belongs to the Same Individual  This is the stage where the industry often struggles. Other providers may stop after a single PII match—commonly a Social Security Number. But with increasing risks of misattributed or incomplete data and a growing number of state regulations requiring more than just SSN matches, that’s no longer sufficient. Further, most Data Providers sourcing the data into the Verifications ecosystem have the flexibility to define their own consumer match logic or may even use “fuzzy” matching logic, which exposes both the client and the distributing partner to the risk of matching the wrong consumer without additional, redundant controls to confirm the identity of the consumer records returned.  Experian Verify not only pins the PII from the lender but also pins the PII data received back from each data source (employer or payroll provider) and employment record. For each data source, the PIN must match the original inquiry PIN for data from that source to make it onto an Experian Verify report. A mismatch may indicate that the PII from the data source may not be for the same consumer as the initial inquiry—ensuring the final report contains only information with a high confidence match.  This process mitigates risk and protects lenders from intentional or unintentional fraud. For example, if a consumer were to apply for a loan and accidentally enter an incorrect SSN (or other PII), the legacy method of hard matching on SSN would result in data from the wrong consumer being returned from the verifications provider.  Experian Verify avoids this by a redundant and secure design:  Multiple PII data elements are used to search and retrieve a PIN  The PII from the lender is pinned  The PII returned in the data payload from each data source is pinned  The consumer PIN from the lender must match that of a data source for data from that source to be used in a Verify report  This multi-step, comprehensive pin method provides an essential safeguard in an industry where even minor data discrepancies can have major implications.   Industry Comparison: Moving Beyond Minimal Match Models  According to Arizent Research, 95% of mortgage lenders say “completeness of data” and “speed to decision” are critical priorities, but many still rely on verification systems that use basic or single-element hard matching 2. That exposes both lenders and borrowers to greater risks of misidentification or fraudulent records.  Experian’s PIN Algorithm requires a minimum of three data elements (e.g., Name, SSN, and DOB), enhancing accuracy and reducing false positives—even when data entry errors occur. It’s a foundational practice we believe should become standard across the industry.   Why This Matters in Today’s Mortgage Climate  With the Federal Housing Finance Agency (FHFA) approving new models like VantageScore 4.0 and FICO 10T, the industry is moving toward broader, more inclusive underwriting standards—many of which rely on data beyond traditional credit 3. That includes rental history, income trends, and even employment stability. But the promise of these expanded datasets can only be realized if the data itself is reliable.  Experian’s investment in redundant identity pinning and advanced search algorithms is part of a broader strategy to bring clarity, accuracy, and trust to the verification process—especially as digital lending ecosystems scale.   Looking Ahead: Recommendations for Industry Best Practice  To help move the industry forward, we propose three pillars of verification best practice:  Mandate Multi-Layer Identity Validation – A single hard match on PII data elements isn’t enough. Multi-factor validation should be the norm and ensure that all data on a VOIE report goes through the same level of validation.  Go beyond data provider identity validation – Many data providers will return income and employment data based on hard matches, often using only 1 or 2 data elements. While we like to trust, we always verify and ensure the data meets Experian’s standards.  Insist on Data Accountability – Only include verified, matched data in reports. Inaccurate data should be filtered out by design, not exception.  Adopt Scalable, Real-Time Tools – Instant verifications save time but must be paired with controls that preserve data integrity.   Conclusion: Building a Safer Verification Ecosystem  Verification is no longer just a checkbox on a loan application—it’s a critical part of credit risk, borrower experience, and fraud prevention. As fraud methods become more sophisticated, verification providers must lead with transparency, data integrity, and advanced identity science.  Experian Verify’s pinning methodology is not just a competitive differentiator—it’s a blueprint for where the industry should go next.   Footnotes   Let me know if you’d like this formatted into a formal PDF or published as a blog with visuals.  Footnotes  Experian State of the U.S. Rental Housing Market Report 2025, pg. 15: Synthetic identity fraud accounted for 27% of all fraud types reported by U.S. businesses in 2023, with rising concern about AI-generated fraud in 2024. ↩  Arizent / National Mortgage News Whitepaper (2024): 95% of mortgage lenders rated “data completeness” and “speed to receive data” as critical or highly important when selecting a VOIE solution. ↩  Federal Housing Finance Agency (FHFA) News Release, Oct 24, 2022: FHFA validated and approved both VantageScore 4.0 and FICO 10T for use by Fannie Mae and Freddie Mac. Implementation date to be announced. ↩ 

EES form

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Updated November 17th Related Posts Link to automotive form, business form

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