Margin test

Experian Data Breach Resolution and BillGuard®, the leading personal finance security company, have launched a strategic collaboration to better protect consumers during an unprecedented era of identity theft. Responding to the recent wave of payment card breaches, the companies unveiled an advanced identity protection suite, combining BillGuard’s award-winning card fraud monitoring mobile application with Experian’s award-winning identity protection product, ProtectMyID®. A sharp increase in data breaches over the last several years has compromised the payment cards of millions of American cardholders. Fraudulent use of compromised credit cards and debit cards now accounts for more than 85 percent of all identity theft, which causes nearly $25 billion in financial damage in the U.S. each year . Unfortunately, financial institutions detect less than half of ECF, leaving cardholders to catch the rest – or personally absorb the financial loss. BillGuard’s popular mobile application utilizes crowdsourcing techniques and big data analytics to alert cardholders to suspicious transactions that have posted to their credit cards, debit cards and bank accounts. The app also sends data breach alerts if a cardholder has transacted at a retailer during a breach period and provides card location alerts when a card is used away from the owner’s smart phone, indicating the card is probably not being used by its owner. The new joint offering will allow consumers to access the ProtectMyID identity theft protection suite within the BillGuard app, along with the following BillGuard features: Card Fraud Monitoring and Alerts – Unlimited credit card, debit card, ATM and bank accounts monitored 24/7 for suspicious activity. Card Location Alerts – Alerts cardholders when their credit or debit card is used at a store or ATM away from them, using geolocation data from their mobile phone. Data Breach Monitoring and Alerts – Alerts cardholders when they have shopped at a merchant during a breach period, helping them immediately monitor their cards for fraud. Spend Tracking and Analytics – Helps consumers stay on top of exactly where their money is going with visual analytics and quick, email-like transaction review. Card Concierge – Cardholders can resolve billing inquiries and disputes with merchants directly from within the BillGuard app. For more information about BillGuard, visit BillGuard.com. If you are a ProtectMyID member, please download the BillGuard app today for free from the Apple or Google Play stores.

At Experian, we focus on helping consumers navigate and better understand the world of credit. Recently, we’ve made some changes within our consumer products. We’re excited to share all the developments we’ve been working on – not the least of which is the inclusion of offering our members their FICO® Scores using Experian data. FICO® Scores are used in 90 percent of credit decisions. They’re the credit scores that most consumers recognize as being most relevant. We know this because they told us. Consumers asked us about FICO because a majority of lenders use FICO® Scores as a factor in their credit decisions – and we heard them. It’s not just a FICO® Score that we’ll deliver to consumers as a part of these enhancements. A host of other product features are being added to pair the score that people trust with the resources they need to live knowledgeably, and own their financial futures. The enhancements bring together our identity fraud resolution assistance and best-in-class customer care agent support, combining them with new elements like score factors, educational information about FICO® Scores, and broad web accessibility to create immense new value for our members. People have asked us for more ways to understand their credit and track it when they’re on the go. We’re passionate about giving that flexibility, security and information to our members. They deserve it. Our consumer products help connect people with their credit so they can experience financial freedom in new ways. That’s what we’re continuously looking at: how to show all the ways that each person’s behavior shapes his or her credit, and create resources that help people make wiser decisions with it. Helping people find their credit inspiration—and affirming the value of their focus—isn’t easy, but it is important. That’s how we turn data into insights, and impact the lives of our members. They trust us to do just that, and maintaining their trust remains one of my top priorities. Bringing together Experian and FICO® as part of this update just makes sense. It helps us deliver an incredible asset to members wherever they are in their financial lives. Credit is truly a lifetime journey – and one where many have questions to ask of a trusted partner. Combining a FICO® Score with the detail of an Experian credit report is a natural evolution that helps keep our products strong, but we’re not done making improvements just yet. We’re ready to live the future with our members. We see it as a place where we’ll always be seeking new horizons to drive toward. There’s a lot to look forward to at Experian. And there always will be. Check out our official announcement here. Check out more on Experian Credit Tracker here. This article is provided for general guidance and information. It is not intended as, nor should it be construed to be, legal, financial or other professional advice. Please consult with your attorney or financial advisor to discuss any legal or financial issues involved with credit decisions. 

Today, we are excited to announce that Experian has made it onto the Gartner Magic Quadrant for Data Quality Tools. We are positioned as a ‘Challenger’, which we believe means our organization is recognized as performing well within our line of expertise, providing customers with the right products and services they need to effectively manage their data. We believe this demonstrates our ongoing commitment to data quality across Experian and our success in providing customers across the globe with ‘business-user-friendly’ tools and expert advice to meet ever-more-challenging data needs. We focus on helping users across businesses, from IT to commercial business stakeholders, understand and leverage the valuable asset of data. We work hard to listen to our customers and build solutions that reflect: Ease-of-use – Products that can be leveraged quickly and effectively by business users outside of IT with the wider business objectives in mind. Flexibility – Deployment models that quickly enable a complete end-to-end data quality solution for businesses of all sizes. Expertise – Leading support through the implementation process and beyond. Value – Solutions implemented quickly to begin delivering value. We take pride in delivering these products across the globe and continuing to drive innovation in the data quality space, an increasingly growing and important sector of the market. Thank you to our customers and valued partners for helping make this position possible. We look forward to continuing to build strong data quality solutions for years to come. You can access the full Gartner report from our website. Disclaimer: This graphic was published by Gartner, Inc. as part of a larger research document and should be evaluated in the context of the entire document. The Gartner document is available upon request from Experian Data Quality. Gartner does not endorse any vendor, product or service depicted in its research publications, and does not advise technology users to select only those vendors with the highest ratings. Gartner research publications consist of the opinions of Gartner’s research organization and should not be construed as statements of fact. Gartner disclaims all warranties, expressed or implied, with respect to this research, including any warranties of merchantability or fitness for a particular purpose.

If you’ve driven a vehicle in the past few months, then you’ve most likely had to stop by your local gas station. And, if you’ve filled up the tank while you were there, then you’ve probably experienced the sensation of the corners of your mouth forming a smile as the price for a tank of gas of has been lower than usual for quite some time. With that said, has the consistent drop in gas prices done more than just make us smile? Has it enticed consumers to go back to the gas-guzzling, high-powered vehicles of the past? According to a recent Experian Automotive analysis, the answer is no. Despite the drop in gas prices, fuel-efficiency remains top of mind for most consumers. So much in fact, that more than 55 percent of all new vehicle sales through the third quarter of 2014 had four-cylinder engines. The next closest engine type was the six-cylinder, which made up nearly 30 percent of all new sales. What’s intriguing is that this gap has continued to widen since 2008. To download the full report: http://ex.pn/1x0r5q5 Furthermore, vehicles with four-cylinder engines made up 35 percent of all vehicles on the road, compared with six-cylinder engines, which made up 39.2 percent. While the more powerful engine has a larger share of vehicles on the road, the gap between the two has steadily decrease since 2009, when six-cylinder engines made up 41.4 percent, and four-cylinder engines made up only 29.9 percent. Other findings from the report include: • The total number of vehicles on the road grew by 5.8 million from a year ago, mainly due to an increase in new vehicle sales and low scrappage rates • More than 26 percent of all light duty vehicles on the road are model year 2010 or newer • The average age of vehicles on the road (15-year rolling age) is 7.4, down from 7.5 in the third quarter of 2013 • The Southern region saw the highest volume of new and used vehicle sales in the third quarter of 2014, followed by the Midwest, West and Northeast • Entry-level CUVs (cross-over utility vehicles) remained the top vehicle segment among new registrations through Q3 2014, while full-sized pickup trucks reclaimed the second spot after trailing small-economy cars through the first half of the year • Ford, Chevrolet and Toyota were the top three brands for new vehicles sales in the third quarter of 2014 • Ford (20.7 percent), International (17.1 percent) and Freightliner (15.8 percent) have the highest share of medium- and heavy-duty vehicles on the road

New research from Experian finds that nearly a third of all Americans use at least one type of smart or connected device; 14 percent of homes are smart homes.  Experian Marketing Services published a new report today that tracks the recent rise and growing interest among consumers for connected devices and smart home products. A complimentary copy of the report, The Internet of Things: Opportunities through the rise in smart devices, can be downloaded here: http://ex.pn/1r0TJVp. The report found that consumer interest in three connected device categories has shown significant growth in recent years, with no signs of stopping. In fact, according to the report, nearly a third of all Americans use at least one type of connected device. Further, at least 14 percent of U.S. households are smart homes and have a connected home device such as connected lights, locks, thermostats, or electrical outlets, among others. Experian Marketing Services predicts that the smart home device category will see the most growth during the 2014 holiday season. Since the beginning of November 2014, interest in leading smart home devices has increased 54 percent.  Percentage of growth in online search data since 2011 Percentage of growth in online search data during 2014 Holiday season Smart watches & fitness trackers 80% 45% Smart home devices 31% 54% Smart television devices 16% 47% Source: Experian Marketing Services  “The rapidly growing trend of the Internet of Things manifested itself during the 2013 holiday season through the popularity of connected fitness trackers, but this year it is all about the emergence of smart home devices,” said John Fetto, senior analyst, marketing and research, Experian Marketing Services. “In fact, as smart home devices graduate from their niche darling status and become adopted and valued by a wider audience, we’re seeing greater recognition of leading category brands like Nest. In return, the growing familiarity with these leading brands is helping to drive awareness for the category overall.” Top 10 hottest smart home device products 4 weeks ending December 6, 2014 Rank Search term Share of top branded search terms 1 Nest thermostat 21% 2 Dropcam 12% 3 ADT Pulse 5% 4 Philips Hue 5% 5 Nest Dropcam 4% 6 Dropcam Pro 2% 7 Wemo 2% 8 Nest Protect 2% 9 Hue lights 2% 10 Drop cam 2% Source: Experian Marketing Services According to Experian Marketing Services, the consumers that are helping to push connected devices into the mainstream are a key segment to engage. Smart or connected device users, versus non-users, are generally younger, college educated and affluent. They are also more likely to be male, racially and ethnically diverse, and have kids at home. Further, users are highly connected, both technologically and socially, to their favorite devices and brands. Overall, they are more than twice as likely than the average U.S. consumer to access social media from different devices, to follow their favorite companies or brands on social media and be connected to the Internet at all times. The report also found that smart device users like to stand out in a crowd, are health conscious, driven to succeed and have a taste for the finer things. “As everyday things get smarter, consumers will grow more reliant on those things to process information and designated tasks autonomously. They will also allow consumers to ‘unglue’ their attention from computer, tablet and smartphone screens,” added Fetto. “While marketers may think there is still plenty of time before they need to address this nascent trend, or feel it won’t fundamentally impact their business, the rapid rate of growth in consumer interest strongly suggests that connected devices will be commonplace before marketers know it.” To download the entire report, please visit: http://ex.pn/1r0TJVp.