At A Glance
At a Glance When an unknown printer took a galley of type and scrambled it to make a type 2ince 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 ince 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 releaseince 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 releaseince 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 releaseince 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
Experian Marketing Services, a global provider of integrated consumer insights, targeting, data quality and cross-channel marketing, hosted a fireside chat with U.S. Men’s National Soccer Team goalkeeper Tim Howard at its 2014 Client Summit. In the following video clip from that fireside chat, Howard discusses how he decides to align with brands that match his personal and professional image. Specifically, Howard describes the formula he uses to make business partnership decisions. “We try and look for a good fit,” said Howard. “There’s not always a blueprint for that, but it’s a feeling.” He continues, “I don’t want to lend my name to just any old company. I have put in a lot of hard work into my own brand, which is basically on the field, trying to be a decent guy and a good player.” A video of the entire fireside chat featuring Howard and moderator Rick Erwin, president of consumer insights and targeting at Experian Marketing Services, can be viewed on the company’s YouTube channel with this link: https://www.youtube.com/watch?v=T19JM3i-brY Insights and stories shared by Howard connected directly to the theme of the 2014 Client Summit, reinforcing the importance of storytelling for marketers and how brands need to deliver exceptional and authentic customer experiences. During the Client Summit, Experian Marketing Services also unveiled several new capabilities that will help marketers drive customer acquisition, increase brand loyalty and improve marketing return on investment. The biggest highlight was the announcement of the Experian Marketing Suite, a cohesive, end-to-end marketing capability that enables brands to deliver authentic customer experiences every time, in any channel and via any device. To watch additional Client Summit videos, including event keynote sessions, visit http://ex.pn/W8ktEQ.
At Experian, we have a firm commitment to social responsibility. We show that commitment through a broad range of efforts that help communities realize their social and economic potential by investing in community and education programs that foster the financial health of individuals and small businesses across the globe. As part of this commitment, Experian has more than 100 employees who are certified as Experian Education Ambassadors. These ambassadors educate consumers throughout the United States about credit reporting, credit scoring, fraud and identity theft and other issues in which Experian has expertise. Presentations take place at youth organizations, schools, colleges and universities, faith-based organizations – anywhere people gather and request information about these important subjects. Experian Education Ambassadors volunteer their time, often nights and weekends to support programs and events in the communities where they live and work. They do this because of the personal gratification they receive from helping others. They do it because they work for Experian, and people expect us to be able to answer their questions about credit reports and credit scores. Experian is also awarding thousands of dollars in financial literacy grants to non-profit organizations serving in need consumer groups including youth, minority groups, first time home buyers, military, and small business entrepreneurs become more financially literate and capable throughout their lives. Investment in Early Education And recently, Experian partnered with Ubuntu Education Fund (Ubuntu) in Port Elizabeth, South Africa, adding a new dimension of our culture of Corporate Social Responsibility at Experian. This partnership with Ubuntu included a donation of $15,000 to provide school supplies and educational development to children in the Port Elizabeth area, and parallels a nationwide school supplies donation drive across Experian’s North America region. Donations will go to local charity partners with the mission of improving education for underserved children. We believe investment in early education and development of youth is essential in any country to help give young people a strong foundation to succeed in life, This partnership with Ubuntu Education Fund, which will use our financial contribution to help not only provide basic education supplies, but also holistically care for children to give them a better chance of success. To learn more about our commitment to corporate responsibility go to: http://www.experianplc.com/corporate-responsibility.aspx
Experian Marketing Services, a global provider of integrated consumer insights, targeting, data quality and cross-channel marketing, gathered more than 1,000 top marketing executives from the world’s leading brands for the 2014 Client Summit. The event reinforced the importance of storytelling for marketers and how brands need to deliver exceptional and authentic customer experiences. During the Client Summit, Experian Marketing Services unveiled several new capabilities that will help marketers drive customer acquisition, increase brand loyalty and improve marketing return on investment. The biggest highlight was the announcement of the Experian Marketing Suite, a cohesive, end-to-end marketing capability that enables brands to deliver authentic customer experiences every time, in any channel and via any device. A video of the live unveiling and demo of the Experian Marketing Suite at the Client Summit can be viewed here: http://ex.pn/V2tgas The Experian Marketing Suite allows brands to accurately capture, link and enrich customer identities across channels while providing added intelligence to understand customer behaviors and preferences. Also included in the Marketing Suite is an Interactions Manager, which marketers can use to engage with their customers across channels an devices and then analyze and measure marketing performance. “This year’s Client Summit tapped into the heart of good marketing and provided our clients with a balance of inspiration, education and networking,” said Ashley Johnston, senior vice president, global marketing at Experian Marketing Services. “Our star-studded lineup of keynotes and educational panels left attendees with tangible and progressive strategies for becoming even better marketers and storytellers.” The 2014 Client Summit was held at The Cosmopolitan in Las Vegas, Nev. Sessions included a keynote address by Adam Savage, co-host of MythBusters, discussing the synchronicities of art and science and how they can make both creatives and technologists better storytellers; a storytellers panel featuring Grammy winner and hip hop icon Jermaine Dupri along with top marketing leaders from The Limited, ShoeDazzle and Red Envelope. The Summit also featured two intimate fireside chats — one with U.S. Men’s National Soccer Team goalkeeper Tim Howard and one with Michael Strahan, co-host of LIVE with Kelly and Michael and Good Morning America, analyst for Fox NFL Sunday and pro football Hall of Famer. Comedy Central, GameStop and Zappos also were among the main stage client spotlight presentations, with marketing leaders from those brands providing specific and actionable examples of how they have raised the bar on customer experience, engagement and impactful storytelling. A highly anticipated event each summer for marketers, Experian Marketing Services’ Client Summit recently was recognized with a Stevie Award for Best Tradeshow/Conference at the American Business Awards. This year’s event continued the tradition of excellence and was praised by attendees. “Experian Marketing Services’ Client Summit once again proved to be one of the year’s ‘don’t miss’ marketing events,” said Don Steele, senior vice president, fan engagement, multiplatform marketing at Comedy Central. “I had a great time networking with colleagues and peers and hearing from some of the world’s best storytellers. It was a fantastic time at a great venue, and I can’t wait for next year.” More information on the Experian Marketing Suite can be viewed here: http://ex.pn/1shO4pY
Precise ID® with FraudNet provides a single view of a consumer’s identity across devices Experian®, the leading global information services company, has announced the launch of a cross-channel fraud platform to better authenticate consumers, validate their mobile devices and identify mobile fraud. The platform combines Experian’s Precise ID®, an industry-leading risk-based authentication service, with FraudNet, a global fraud detection and prevention service from 41st Parameter®, a company Experian recently acquired. The combined offering provides organizations with a way to authenticate consumers confidently at multiple touch-points online, subsequently increasing revenues by significantly reducing false positives in their fraud processes, improving operational efficiencies and preserving a positive customer experience. Companies face significant pressure in authenticating consumers in non-face-to-face channels while protecting their brand from vulnerabilities and financial losses from fraud. Setting up accurate fraud detection processes has become more and more challenging as mobile and online channels have become widely used by consumers. At the same time, fraudsters’ techniques are becoming increasingly sophisticated. “Managing fraud risk and protecting customer identities are becoming more complex as the opportunity for fraud has increased with the proliferation of mobile devices being used for online transactions. Organizations need to confidently authenticate consumers without affecting their overall customer experience,” said Adam Fingersh, senior vice president of Experian Decision Analytics. “The Precise ID with FraudNet platform provides organizations with the ability to manage fraud risk associated with traditional identity information coupled with device-based information through a single platform regardless of channel, all while managing a positive customer experience.” Experian’s Precise ID with FraudNet platform uses a highly configurable rules-based engine designed to balance an individual business’s needs and fraud-risk appetite. The platform combines several features that collectively create a leading offering in the market: • Identity authentication — The risk-based approach considers credit data, noncredit data, questions, scores and analytics, leveraging Experian’s proven analytics and scoring expertise. Custom and configurable rules that support your credit, fraud and compliance policies with Fair Credit Reporting Act and Gramm-Leach-Bliley Act compliance aids in meeting mandated government and industry regulations. • Device intelligence — Fraudsters are taking advantage of new technology and the proliferation of devices. The Precise ID with FraudNet platform enables clients to recognize known returning customers, authenticate new legitimate customers and flag fraudulent threats. By leveraging more than 100 device intelligence attributes and more than 500 actionable rules, Precise ID with FraudNet looks for suspicious and inconsistent device characteristics without the use of any cookies. • Link analysis tool — Investigators can rapidly assess the authenticity of the transaction or group of transactions. For example, the tool can identify common customer information and billing data, including name, multiple phones, multiple addresses and multiple email addresses from the same device, even if no other information is the same. • Risk analyzer — Reduce acceptance of bad accounts without negatively impacting profits via a highly customizable rules engine that is configurable to a company’s risk appetite to appropriately manage cross-channel risk in a portfolio. • Investigator workbench – simplifies case management via an online user interface. Precise ID with FraudNet also incorporates detection tools and full audit trails to decrease investigator training times, reduce the volume of manually reviewed transactions and save time and resources in the review process. Learn more about Precise ID with FraudNet
Summertime only comes around but once a year. And when it does, you can always expect to see the sun shining brightly, kids eating ice cream and folks heading to the beach. While all these may be staples of the season, none are more indicative of summer than seeing someone drive down the highway in a nice convertible with the wind blowing through their hair. Who gets to live this lifestyle, you ask? The answer: Successful, college-educated consumers living in California or Florida. According to a recent analysis, Experian Automotive found that more than 50 percent of all convertible car buyers had at least a bachelor’s degree, while only 38.2 percent of average new car buyers had a similar education level. Additionally, nearly 19 percent of consumers purchasing a convertible had an average household income in excess of $175,000, and 11.7 percent owned a home valued at more than $1 million. Conversely, only 10.7 percent of average new car buyers had a household income of the same level, and only 4.4 percent owned at home valued at the same price. The analysis also showed that a significant portion of convertibles were registered in predominately sun-filled states. In Q1 2014, 23 percent of all convertibles were registered in California (13.4 percent) or Florida (9.6 percent). Texas (7 percent), New York (4.3 percent) and Illinois (3.9 percent) rounded out the top five. And, now that you have an idea of who the person driving the convertible is, you probably also noticed that they were most likely driving a Ford Mustang. The analysis found that in the first quarter of 2014, the Ford Mustang was the convertible vehicle model of choice across all 50 states. The Chrysler Sebring, Mazda Miata/MX-5, BMW 3-Series and Chevrolet Corvette rounded out the remaining top five convertible makes and models in the United States. For more information on this analysis or other automotive-related insights, visit www.experian.com/automotive.
Ori Eisen, founder of the 41st Parameter, a part of Experian, and Frank Abagnale Jr. spoke with Bloomberg TV recently about new major new fraud threats emerging and how Experian can help protect organizations and their customers from becoming victims. Experian’s fraud prevention and identity management business helps clients combat the global fraud epidemic costing businesses hundreds of billions of dollars every year. You can the watch the interview here: Corporate account takeover is a growing issue as virtually any web site leveraging username and password authentication can be affected. Our Decision Analytics team wrote about the account takeover trend earlier.
The Experian Marketing Suite enables brands to create and deliver authentic customer experiences across all interaction points Experian Marketing Services today launched the Experian Marketing Suite. Unveiled at Experian Marketing Services’ 2014 Client Summit in Las Vegas, Nevada, the Marketing Suite is a cohesive end-to-end marketing solution that enables brands to create and deliver authentic customer experiences every time, in any channel and via any device. The Marketing Suite allows brands to identify and profile customers better, while providing added intelligence to gain a complete and current view of the customer. Paired with a flexible campaign management platform, the Marketing Suite enables marketers to create personalized interactions in real time and increase the sophistication of their marketing efforts. Consumer insights and intelligence can be linked to a brand’s own data, making it available via every communication channel in a privacy compliant and secure manner. “By leveraging our 30 years of data-driven marketing experience, combined with our expertise in data integration and intelligent customer analysis, our Experian Marketing Suite empowers brands to deliver higher customer lifetime value and benefit from long-term profitability,” said Matt Seeley, president of Experian Marketing Services. “Our goal is to stay flexible and adaptable to meet the changing needs of our clients. It’s through their direct feedback that we’ve created this Marketing Suite, providing brands with numerous competitive marketing advantages, including increased customer loyalty and improved marketing return on investment.” The Experian Marketing Suite is made up of three core elements, providing marketers with the following competitive advantages: Identity manager — Develop a comprehensive view of customers through accurately captured contact data, consumer data set enhancements and linkage across all customer interactions Intelligence manager — Understand customer behaviors and preferences through actionable customer profiles, targeted messaging and engagement strategies Interactions manager — Interact intelligently across all channels with a flexible campaign management platform that provides optimized interactions across all touch-points, analysis to optimize performance and campaign attribution The Experian Marketing Suite was launched at Experian Marketing Services’ 2014 Client Summit in Las Vegas, Nev. At the Client Summit, executives from Experian Marketing Services unveil the company’s latest products, capabilities, actionable case studies and groundbreaking consumer research, sharing the stage with clients and partners. Learn more about the Experian Marketing Suite.
Cybersecurity is increasingly becoming a challenge across many industries. I recently spoke with Mike Gross, the director of risk strategy and professional services at 41st Parameter, about how the banking industry is changing to adapt to new mobile technology and the new forms of fraud that exist as a result. At 41st Parameter, Mike is responsible for identifying fraud trends across several industries helping clients with risk management control and measuring the performance of new risk strategies. You can read the full interview here: http://bit.ly/WzDall To learn more about 41st Parameter please visit: https://www.experian.com/decision-analytics/41st-parameter.html
Experian Data Quality, a part of Experian Marketing Services and a leading provider of data quality software and services, today published a new report on the prevalence of personalization and analytics required to support new marketing efforts. The study found that while almost half of companies personalize messages across more than one channel, organizations struggle to gain insight quickly and maintain an accurate data source. “While the majority of companies are investing in analytics and looking to improve the customer experience through personalization, many lack the data backbone necessary to support this effort,” said Thomas Schutz, senior vice president, general manager of Experian Data Quality. “Companies are able to obtain compelling types of information at impressive volumes, but most struggle with basic data quality that allows them to ensure accurate and accessible information.” Experian Data Quality also found that: • Of those that leverage personalization, 84 percent do so to improve customer engagement • Ninety-four percent of companies have challenges related to personalization • More than two-thirds of companies are investing budget into analytics and have an analytics team • Ninety-four percent of companies are linking customer information across channels, but 83 percent are having a difficult time accomplishing this “Without a foundation in data quality, organizations simply will be unable to fully achieve personalization goals,” added Schutz. “Organizations need to continue to invest in analytics, but they also should leverage resources to consolidate information and ensure its accuracy.” To obtain a copy of Maximizing personalization from Experian Data Quality, please visit http://www.qas.com/whitepapers/maximizing-personalization/contact-form.htm.
For the seventh straight year, Experian Marketing Services secured the top spot, according to Internet Retailer’s 2014 Top 500 Guide Experian Marketing Services has once again secured the number one position as the leading email marketing provider to the greatest total of top 500 online retailers in North America. According to Internet Retailer’s recently released 2014 Top 500 Guide, Experian Marketing Services ranks ahead of all other email marketing services companies, as measured by the number of top-500-ranked e-retailers in North America using its products and services. This marks the seventh year in a row Experian Marketing Services has held the leading position. Internet Retailer’s Top 500 Guide compiles exclusive data to provide marketers with valuable insights to help grow their businesses, including insights related to what’s driving growth in online sales. The annual guide is widely recognized as the industry’s most comprehensive analysis of America’s 500 largest retail Websites, as ranked by annual ecommerce sales. “Drawing on our expertise in building scalable and reliable marketing technology as the world’s largest email service provider, our frontrunner recognition in the 2014 Top 500 Guide underpins our commitment to providing our clients with a single cross-channel platform to deliver coordinated and intelligent interactions with their customers,” said Peter DeNunzio, president of Cross-Channel Marketing at Experian Marketing Services. “There’s no question that competition is increasing in the online retail space so it’s wonderful to see so many of our clients leading the way in customer engagement year over year.” The modern-day consumer has forever changed the relationship between a brand and its customers, as well as the technology that enables marketers to maintain and grow those relationships. As one of the most highly regarded email service providers in the industry, Experian Marketing Services sends more than 14 billion email messages a month on behalf of the world’s most recognizable brands. Backed by the industry’s highest-rated client services team, Experian Marketing Services’ cross-channel marketing platform is built with the scale and flexibility to support digital programs of any size and sophistication. Learn more about Experian Marketing Services’ cross-channel marketing platform by visiting its Website. Order a copy of Internet Retailer’s 2014 Top 500 Guide by visiting it’s Website.
2014 Client Summit: Storytellers will focus on how brands can deliver authentic and meaningful customer experiences. Experian Marketing Services today announced a star-studded speaker lineup for its 2014 Client Summit to be held July 23–25, 2014, at The Cosmopolitan of Las Vegas, in Las Vegas, Nev., around the theme of “Storytelling.” The award-winning event will bring together more than 1,000 attendees from some of the world’s largest and most sophisticated brands. Marketers will hear from compelling storytellers throughout the three-day event including: • Michael Strahan, cohost of "LIVE with Kelly and Michael" and "Good Morning America," analyst for "Fox NFL Sunday" and pro football Hall of Famer • Adam Savage, cohost of “MythBusters” on Discovery Channel • Sophia Amoruso, founder and CEO of Nasty Gal, the fastest growing online retailer in the country, and author of #GIRLBOSS • Jermaine Dupri, Grammy winner and founder of Global 14 • Don Steele, senior vice president, fan engagement, multiplatform marketing at Comedy Central • Dave Beveridge, senior vice president, marketing at ShoeDazzle • Jenn McClain-De Jong, vice president, ecommerce at The Limited • Brad Nash, marketing director, email and lifecycle marketing, GameStop “Marketers need to master both the art and science of storytelling in order to resonate in a meaningful way with their customers,” said Ashley Johnston, senior vice president, global marketing at Experian Marketing Services. “For the 2014 Client Summit: Storytellers, our goal is to give marketers the right balance of inspiration, education and networking. We’ll also demonstrate the latest advancements within our marketing suite so that clients can go back to their teams with tangible strategies for creating relatable, memorable and sharable customer experiences.” At the event, executives from Experian Marketing Services will unveil the company’s latest products, capabilities, actionable case studies and groundbreaking consumer research, sharing the stage with clients and partners. Attendees can choose from nearly 50 breakout and roundtable sessions featuring speakers from Forrester Research, GameStop, Michael’s Stores, Microsoft Advertising, Yahoo!, Zappos, Hearst Magazines, AT&T, Bass Pro Shops, Williams-Sonoma, Saks Fifth Avenue, Men’s Warehouse, AOL, Associated Press, EA, Bare Necessities, Finish Line, Scripps Interactive and Western Union, among others. Breakouts will address a wide range of topics relevant to marketers, including: • Digital advertising • Mobile strategies • Response attribution • Data management • Behavioral targeting • Email to cross-channel evolution • Email creative optimization • Compliance and deliverability • Predictive analytics and modeling • Loyalty programs A highly anticipated event each summer for marketers, Experian Marketing Services’ Client Summit was recently recognized with a Stevie Award for Best Tradeshow/Conference at the American Business Awards. “I had an absolute blast at my first Summit,” said Courtney Bradley, Coordinator, Loyalty Marketing, Virgin Airlines. “Not only did we learn a great deal, but we had a fantastic time doing it! The keynote speakers were inspiring, the breakout sessions were insightful and The Cosmopolitan Las Vegas was a fantastic venue. Experian Marketing Services did an amazing job overall. I can't wait for next year!” Visit http://www.2014clientsummit.com today to learn more and to register. Space is limited and is on a first-come, first-served basis.
Earlier this week, it was reported that the Mississippi Attorney General filed a lawsuit against Experian. While not breaking news, it is important to provide context to the allegations. As the world’s largest credit bureau – and in managing more than 220 million files in the US alone – it has become commonplace to question credit reporting agencies. We are used to scrutiny of our practices – but sometimes the claims are just plain wrong. In the case of the lawsuit from the Mississippi Attorney General, we are disappointed that the state has taken this action. We feel that the lawsuit is not based on facts – even after we had fully cooperated with their investigation. As such, we intend to vigorously defend our company against these allegations. Specifically, to say we purposefully put errors on credit reports is false and unsupported by evidence, and clearly calculated to be sensational. Contrary to those allegations, Experian credit reports are used millions of times every day to accurately and quickly assess risk in lending and speed the process of making credit readily available to consumers. The Attorney General asserts that 95% of the data in our systems is accurate – but in fact, it is closer to 98% accurate. While we are proud of this accuracy rate, we continue to invest millions of dollars every year to make our accuracy rates even better. We are, in fact, working with the industry and our competitors to raise the accuracy and data quality standards for our credit reporting industry and, ultimately, to benefit consumers. Any allegation that we are operating illegally and out of compliance is false. In fact, Experian already operates in compliance with laws and under the federal Fair Credit Reporting Act (FCRA), which governs all aspects of our credit reporting business, including how we receive data, store it, transmit it and most importantly, how we allow other companies to use it and consumers to view and dispute it. Specifically, under the FCRA, consumers can view and dispute any or all of the information on their credit reports. And we recommend consumers take full advantage of accessing their free report annually at www.annualcreditreport.com. In the event a consumer finds an inaccuracy in their report, they can dispute the inaccuracy at Experian as required by federal law. While we plan to defend the lawsuit outside the lens of a public forum, it is worth noting how Experian, as a global leader, is a vital part of the credit ecosystem — empowering economic health for businesses and consumers alike. Very simply, because of what we do and what the credit reporting business offers, consumers can walk into an automotive dealership and purchase a car, they can get approved for a home loan over the phone and they can instantly get credit at their favorite retailer. Sometimes we take that for granted.
We are thrilled that for the sixth consecutive year, Experian has earned a score of 100 on the Human Rights Campaign Foundation’s (HRCF) 2025 Corporate Equality Index (CEI). This recognition underscores our commitment to LGBTQ+ workplace equality. We are honored to join the ranks of 765 U.S. businesses that have been awarded the HRCF’s Equality 100 Award, celebrating our leadership in fostering an inclusive workplace. Experian’s dedication to supporting the LGBTQ+ community is reflected in several key initiatives: Name Change Process: We have a process for transgender and non-binary consumers to update their names on credit reports, ensuring their identities are accurately represented. LGBTQ+ Allyship 101 Training: This new training program is available to all Experian employees, promoting allyship and understanding within our workforce. Pride ERG Parenting Committee: Launched to support parents, grandparents and guardians of LGBTQ+ individuals, this committee provides valuable resources and community. Transgender Resource Guide: This guide supports employees who are transitioning at work, offering education and resources for colleagues and managers. Partnerships: We collaborate with organizations such as Out & Equal, GenderCool, The Trevor Project and Born This Way Foundation’s Channel Kindness to provide financial health, mental health and other resources to empower both our internal and external communities. At Experian, we are proud to be part of this movement towards greater equality and inclusion. We remain dedicated to fostering a workplace where every employee feels respected, valued and empowered to bring their authentic selves to work. Learn more about how we drive social impact in English, Portuguese and Spanish.
Achieving Top Workplace recognition for 12 consecutive years is no small feat, yet Experian North America has done just that. Named a Top Workplace by the Orange County Register once again, this milestone reflects not just policies or benefits but what truly makes Experian exceptional: our people. As Hiq Lee, Chief People Officer at Experian North America, notes, this honor is a testament to the remarkable contributions of our team. Experian’s employees shape an environment where innovation, inclusivity, and purpose thrive. More Than Work What sets Experian apart is our engagement with the world and community. Through initiatives like the Experian Volunteer Leadership Network and partnerships with organizations such as the Octane Foundation for Innovation and the Hispanic Chamber of Commerce of Orange County Education Foundation, our impact extends beyond the workplace. In 2024, we earned additional recognitions, including being named one of the World’s Best Workplaces™ by Fortune and Great Place to Work®. We were also recognized as one of the Best Workplaces for Parents, Millennials, and in Technology. The Secret to Success Our success lies in focusing on people. Experian is a place where careers are built, ideas are encouraged, and employees feel valued. Initiatives such as, Employee Resource Groups foster belonging, Mental Health First Aiders provide support, and technology hackathons inspire creativity. Innovation at the Core Innovation continues to drive our success. By leveraging technologies like artificial intelligence and machine learning, we are redefining decision-making and fraud prevention. This commitment to innovation empowers businesses and consumers worldwide, aligning with our mission to promote financial inclusivity. Looking Ahead For Experian, being a Top Workplace for more than a decade isn’t a finish line—it’s a springboard. With an ongoing commitment to our employees and communities, we continue to evolve, creating better experiences for our team, clients, and the world.
Experian is celebrating the one-year anniversary of The Legacy League Game Show™, a dynamic and interactive event that has revolutionized financial literacy education for students at Historically Black Colleges and Universities (HBCUs) and Hispanic Serving Institutions (HSIs). This innovative program, part of the B.A.L.L. for Life™ initiative, combines the excitement of a game show with essential lessons on credit and financial management. We marked the occasion where it debuted in 2023: at EntreprenUTSA at the University of Texas San Antonio. The Legacy League Game Show™ has traveled to ten universities such as Morgan State and Shaw Universities and major events across the United States. The National Urban League describes the event as transformational; HomeFree-USA calls it a “model for how to teach anything to Gen Z and other generations.” Thousands of students have participated across the country, and more than 99% report an increase in their financial literacy after the experience. As someone whose family didn’t discuss money matters growing up, this impact is especially gratifying. In addition to making learning fun, The Legacy League Game Show™ addresses a critical issue: financial invisibility among young consumers, particularly within communities of color. Forty percent of consumers under 25 are credit invisible, with 26% of Hispanic and 28% of Black consumers affected, compared to 16% of their white and Asian peers. Special guests, including rapper and college basketball standout Flau’jae, comedian and actor Mike Merrill, Louisiana State University wide receiver Chris Hilton, Jr. and Grammy-nominated D Smoke have joined the game show, adding star power and excitement. Next year, The Legacy League Game Show™ will hit the road again, visiting more schools and events. We already have stops planned at the #IYKYK Pitch Competition in partnership with HomeFree-USA, the University of Illinois in collaboration with the Hispanic Alliance for Career Enhancement (HACE), and the UnidosUS National Conference. Check out the action from our 2024 stops by clicking here.Learn more about Experian’s commitment to underserved communities in The Power of YOU 2024: Diversity, equity, inclusion and social impact report.
Modernizing the conversation around credit and financial literacy is a key commitment for Experian, especially for young adults. That’s why we partner with organizations like the Singleton Foundation to produce “Your World on Money,” to meet young people where they are, with engaging, easy-to-understand video shorts about credit, budgeting, and saving and more. We’re thrilled this commitment and creativity has earned both Gold and Bronze Anthem Awards, which recognize excellence in social good, celebrate the impactful work of organizations and initiatives that are driving positive change. Financial literacy is often not taught in schools, and the language around credit and personal finance can be intimidating. By normalizing these conversations, we hope to inspire confidence and action, helping young adults make informed financial decisions as they navigate life’s milestones. Our United for Financial Health partnership with the Singleton Foundation continues with our new series, the Finance Couch, where college students join our experts on a coach in the middle of a Los Angeles campus to answer their money questions. And our Anthem Award-winning series, HeartBroke, helps couples whose relationships are tested with financial issues to determine if they can work through it or end up HeartBroke(n).
Great Place to Work and Fortune have named Experian as one of the 25 World’s Best Workplaces™ 2024. This recognition highlights more than an award—it shows a commitment to our strong People First culture. Experian Chief People Officer Jacky Simmonds shares insights on how our people across the globe cultivate this culture, staying ahead of the curve through a unique blend of inclusivity, empathy, and a shared purpose. What does it mean to you, and to Experian, to be named among Fortune's World’s Best Places to Work? At Experian, we have long aspired to be one of the best companies in the world to work for, and over the past few years, we have made this a priority. Our journey has been marked by a commitment to putting our people first and fostering the collaborative and inclusive culture that sets us apart. This recognition reflects the common values that we share across our many countries and cultures and the dedication of our colleagues across our business. We spend so much of our time at work, so I think it’s important that every interaction – from the interview process to joining and every daily interaction – is a positive one where people are welcoming, supportive and generally just really nice people to work with. Reaching this milestone gives all of us at Experian some recognition, but also it is inspiring as we continue to strive to attract top talent who share our values, share our purpose and make every day an enjoyable one. How does Experian create an environment where employees feel empowered to innovate and contribute ideas that drive real impact? To fulfill our mission of bringing Financial Power to All™, we need as many voices, experiences and backgrounds as possible, so we can represent our clients’ differing needs. This culture of inclusion drives our innovations. We have employee-led initiatives, such as internal Hackathons that bring together these diverse perspectives to develop products and services like Experian Boost, Experian Go, Experian Smart Money Digital Checking Account, Experian Support Hub, and Transforme-se so we can serve the communities in which we live and work. How has Experian adapted to changing employee expectations since the pandemic, and what steps has the company taken to support employee well-being and work-life balance? We know that our people really value the ability to have flexible work model, so they can work to fulfill their role in a way that works for them. For some this is fully remote, for others it is hybrid so a balance of remote and in office, and for others in office, where their role requires it fully. We know from the feedback that we get that our people appreciate that we trust them and they have flexibility to deal with varying commitments that we all have outside of work. We also know that since the pandemic there has been an increased focused on wellbeing. Sponsored by our Chief Financial Officer, we embarked upon an initiative to invest in how we support people who may need additional support. We are very proud of our Mental Health First Aiders programme, which has trained around 400 colleagues across the world representing 23 countries and 28 languages and helping their teammates access resources. These volunteers receive consistent, ongoing and updated training. What specific initiatives or programmes at Experian do you believe set the company apart in terms of supporting professional growth and career development? We have invested in a number of things that we believe really make the difference. The first is developing great leaders at every level. Today’s leaders have many more challenges, many different age groups, a balance of remote and in person working, together with teams based in many different locations. Great leaders build great teams, so we think it’s important to invest in their development. That’s we built a leadership development portal – The Leadership Exchange – that has a wide range of resources to support them, including development programmes tailored to their needs. We also want to ensure that everyone at every level can develop their skills and progress their careers. So we launched our annual Global Careers Week, Experian University, and built a world-class digital curriculum so everyone can access the form of development they need based on their role or aspirations. There really is something for everyone. This way, we help our teams stay ahead of trends and ensure our business is equipped with the skills needed for the future. Looking forward, what are key goals or priorities for further enhancing Experian’s culture and employee experience? We’re truly proud of this amazing recognition, but we always strive to get better and acknowledge there’s always more to be done. We see an opportunity to make things easier in the way we leverage advanced technologies like AI to further enhance employee experience. For example, more personalised learning pathways, improved tools for productivity and collaboration. We make sure we don’t lose the human touch, but we also want to make the most of these innovations so we stay relevant with our largely tech populations. Being named one of the world’s best workplaces reflects Experian’s unwavering commitment to be recognized for having a great culture where people can do their best work with people they enjoy working with. Learn more about what makes Experian a World’s Best Workplace in the People section of our Annual Report and the Experian Power of YOU Report 2024: Driving social impact and diversity, equity and inclusion, available in English, Portuguese and Spanish.
At Experian, we’re proud to observe Veterans Day and celebrate the contributions of our teammates and their families who have served in the U.S. Armed Forces. This year, we’re especially excited to be ranked #20 on Forbes’ 2024 Best Employers for Veterans list. The list is based on input from over 24,000 veterans who were surveyed by Statista. These veterans, from the Armed Forces, Reserves, and National Guard, work for companies with more than 1,000 employees. They rated their employers on factors like work atmosphere, salary, health benefits, career development, and programs specifically designed for veterans. We’re grateful for how our Veterans Employee Resource Group (ERG) supports the military community, from participating in events like Wreaths Across America, Carry the Load, and the Murph Challenge, to building wheelchair ramps for veterans’ homes. The Veterans ERG just completed its 20th ramp last month. With a goal of bringing Financial Power to All™, Experian provides free credit reporting to active-duty members and supports financial literacy and education through our partnerships with Support the Enlisted Project (STEP) and Operation HOPE. As part of our observance of Veterans Day, we invite veterans to join us for this week’s #CreditChat, “Transitioning to Civilian Life: Financial Considerations for Veterans” on Wednesday, November 14, from 3–4 p.m. ET. Thank you to all who have served our country. And we thank our veteran colleagues who bring their leadership, dedication and passion to Experian every day.
We believe that financial literacy leads to empowerment. That is why Experian supports initiatives and partners with community organizations to deliver financial education. We also develop products and services that give more control to consumers over their credit profile and financial health. As part of advancing our mission of Financial Power to All®, we are proud to announce we are helping more than 5,000 Hispanic individuals nationwide by relieving $10 million dollars of consumer debt. To provide families with this boost, we joined forces with ForgiveCo, a Public Benefit Corporation (PBC), to administer the acquisition and cancellation of qualifying consumer debt for the selected recipients. Beneficiaries will also receive a one-year premium Experian membership for free that offers access to their Experian credit report in English and Spanish[i], FICO® Score[ii], bilingual educational content, and other financial resources. We hope this effort helps raise awareness of the importance of financial literacy for everyone, and that Experian has resources to help individuals reach their financial dreams. To amplify the message, we collaborated with multi-platinum, award-winning singer and songwriter Prince Royce and you can see his video here. In fact, we have been making a concerted effort the last several years to evolve our educational resources and products to better support all underserved communities. Some of our other activities include the creation of the B.A.L.L. for Life initiative that connects African American and Hispanic youth with financial education, supporting scholarships for Asian Americans through the Ascend organization, providing custom resources for Out & Equal and Born This Way Foundation for the LGBTQ+ community, supporting the NextGen Innovation Lab for Disability:IN, and sponsoring credit counseling for the military community with Operation HOPE. For resources in Spanish, Experian offers a credit e-book and consumers can access a full suite of articles at the Ask Experian blog here. [i] Only Experian credit reports are available in Spanish. All other services associated with an Experian membership are available in English only. English fluency is required for full access to Experian’s products. [ii] Credit score calculated based on FICO® Score 8 model. Your lender or insurer may use a different FICO® Score than FICO® Score 8, or another type of credit score altogether. Learn more.
Even though 26 states now have a personal finance course as a requirement for high school graduation, 40 percent of college students do not feel they have enough knowledge about how to manage money. It’s a challenge that the Center for Financial Advancement® (CFA) Credit Academy addresses with participating Historically Black Colleges and Universities (HBCUs). A collaboration between Experian and HomeFree-USA, the program culminates in the #IYKYK (If You Know You Know) Pitch Competition and a couple hundred new knowledge ambassadors about financial health and credit. Here, competition finalists share their advice for students as they hit campus for a new school year: MALAYA MELTON, Alabama State University Advice I'll give to incoming freshmen is to try to apply for scholarships. It takes some of the burden off. For me, I took about two years making sure that I got the right amount of scholarships before coming to school, because I knew that I wouldn't be able to afford it. My family won't be able to afford it. So, try to be very serious about applying for scholarships, and apply to internships that also get you money that you can use towards school or your personal development. JAZMIN FELIZ ORELLANA, Bowie State University Don't take out loans if you don't have to. I think many freshmen forget that they'll have to pay off those loans once they graduate after a certain time, and that definitely can affect their credit, especially if they're not able to pay for it. OLUWATOSIN OYEKEYE, Alabama State University Save your money, save your money, save your money. It's okay to go to a college in your hometown. Save as much money as you can, because you really don't know where you'll need it. If you get that credit card, make sure that you're paying all the payments on time. Do not wait till the last minute to pay it. PHILIP OMO-TAIGA, North Carolina A&T State University Budgeting. I think that's really what plays into the whole thing of credit, which is there obviously to help you. But it can also go really, really bad. When you think about what it takes to find that healthy balance, you got to learn how to budget because you may go through a period where you're not working. So now it's like, "Okay, now I got to leverage this money that I maybe have saved up. Maybe think about my credit so that I'm not burying myself into a hole. I'm not working, so there's no way I can pay it down." I think when it comes to finding that healthy medium, budgeting is definitely key. CALVIN CHARLES III, Bowie State University A secure credit card. I think freshman year is a great way to enter college (with one) because you're going to have items and things that you are going to have to pay for anyway. Why not begin building your credit there? I can personally say my first credit card I opened at 18, so that gave me the years of credit history. ESANTE-JOY MCINTYRE, North Carolina A&T State University It is never really how you start, but it's how you finish. Freshman year I might not have that scholarship. But I promise you by sophomore year I had $10,000 from outside scholarships, I had $10,000 from doing pitch competitions, $5,000 from here, from there. So, don't give up on the idea of searching. If you are able to search, you'll find it. Those opportunities and resources are out there, and Experian is just a testament to that.
Amid some of the financial challenges that underserved communities experience, members across the financial services community remain committed to championing initiatives and programs that drive greater financial inclusion. In fact, collaboration has led to the inclusion of non-debt related payment information on consumers’ credit profiles, as well as digital services that make it easier to manage money. These efforts have helped to broaden access to fair and affordable financial resources for more individuals. While significant progress has been made, there is still more work to do. However, some of the misconceptions and myths about the financial services community are hindering further advancement. Debunking these myths will accelerate progress by building trust between the financial services community and consumers. Person withdrawing money from ATM contactless Myth #1: “Financial institutions have no interest in underserved consumers or credit invisibles.” The truth is, banks and credit unions want to say “yes” to more prospective borrowers, including individuals and families from underserved communities. Beyond being the right thing to do, it’s an opportunity to potentially build lifelong relationships with a relatively untapped market. A show of good faith to communities who have largely been ignored by the financial system could lead to customer loyalty that may extend to their family and friends. That’s why participants across the financial ecosystem have been proponents of including expanded data sources—such as on-time telecom, utility and video streaming service payments—on to consumer credit reports, as well as exploring other Fair Credit Reporting Act (FCRA)-regulated data sources, including payment data on short-term small dollar loans and expanded public records data. Making this data more accessible to lenders provides a more comprehensive view of a consumer’s ability and willingness to repay outstanding debt—an actionable solution to extending credit to consumers without lenders taking on additional risk. Myth #2: “There is a lack of trustworthy financial education resources.” The financial services community and affiliated organizations recognize that empowering people with financial knowledge and skillset are critical to consumers’ financial success. In fact, banks and credit unions are partnering with nonprofits and non-governmental organizations to better understand the unique challenges and opportunities within specific communities and provide relevant tools and resources. For example, Experian’s B.A.L.L. for Life (Be A Legacy Leader) program, launched in partnership with the National Urban League, serves as a catalyst for engaging with Black communities and low-income youth through live events and digital financial education. Subject matter experts, professional athletes, celebrities, and other influencers share their experiences and expertise, covering topics such as banking, credit, financial management and investing. In addition, to help people improve their financial management, Experian partners with the National Foundation for Credit Counseling (NFCC). The NFCC connects consumers with certified financial counselors to help them address various pain points, including debt management, homeownership, student loans or small business cash flow issues. Myth #3: “Underserved communities have few opportunities to build credit and enter the mainstream financial system.” People from underserved communities, as well as younger consumers and recent immigrants are often excluded from the mainstream financial system because they lack an extensive credit history. Historically, it’s created a vicious cycle; in order to get credit, you have to have credit. Fortunately, there has been a sea change in innovative solutions to address the specific needs of these populations. These include new credit scoring models and microfinancing which provide financial services to individuals who may have been excluded from traditional banking systems. In addition, by incorporating expanded data sources, such as telecom, utility and residential rental payments onto credit reports, lenders have more visibility into consumers who may have been excluded by traditional credit scoring methods.These programs help individuals and families from underserved communities establish and build a credit history that could enable loans, or the ability to rent an apartment or open their dream business. An example is Experian Boost®, a free feature that allows Experian members to contribute their history of making utility, cellphone, insurance, residential rent and video streaming service payments directly into their Experian credit profile. By incorporating nontraditional credit data like paying utility bills on time, online banking transactions, rental payments and verified income data, more people can establish a credit profile that can potentially qualify them for a loan. More Inclusion, Fewer Myths It’s encouraging that community organizations and banks are beginning to see the economic and social benefits of aligning on financial literacy and inclusion. As more initiatives come online, underserved populations will be able to establish a better financial foundation. Then, we can declare the myths to be history.
Experian is wrapping up several inspiring days at the 2024 Disability:IN Conference. We are a proud Presenting partner, and as part of our support this year, we had the honor of being the key sponsor for the NextGen Innovation Lab Pitch Competition. This initiative brings together young adults to develop innovative products or services that benefit individuals with disabilities. It provides a platform for young minds to harness their creativity and technical skills to solve real-world challenges faced by the disability community. This year, we challenged these NextGen leaders to create a product or service specifically for young adults with disabilities that can help them build their credit or improve their financial literacy. Only 10% of working aged people with disabilities consider themselves to be financially healthy, according to a recent study. Eight enthusiastic and passionate teams shared their ideas and the top two vote-getters’ pitched live, “Shark Tank” style, in front of thousands of conference attendees. The winner: Team 7’s “Experian Expedition,” which enhances the accessibility of the existing Experian app and adds new experiences such as an accessible credit card that also features braille; voice-guided, American Sign Language and closed-captioned exercises; and an incentive program for young adults as they reach various financial health milestones with cash back and coupons. We congratulate Team 7 and all of the teams for their collaboration with Experian and each other. The ideas and services developed through the NextGen iLab have the potential to make a significant impact on the disability community, enhancing accessibility, independence, and quality of life for millions. Sponsoring the NextGen iLab is just one of the many ways Experian is committed to disability inclusion. For the third consecutive year, Experian has achieved a top score in the Disability Equality Index (DEI) 2024. This accolade underscores Experian's ongoing efforts towards inclusivity in our workplace, products and services that are accessible and beneficial to individuals of all abilities, including the Support Hub, Financial Resilience Center, Inclusion Works, and the CMO/CCO Coalition. We’re proud our efforts are recognized by Disability:IN and the American Association of People with Disabilities (AAPD). To learn more about Experian’s commitment to inclusion, check out our Power of YOU Report 2024: Driving social impact and diversity, equity and inclusion in English, Portuguese and Spanish.
Making a real difference in the world starts with embracing Diversity, Equity, and Inclusion (DEI) and accelerating social impact. It's not just the right thing to do, but it's also key to our mission of creating a better tomorrow, together. DEI isn't just a buzzword for us; it's at the heart of everything we do. Whether it's in our sustainability strategy or our day-to-day operations, we're committed to driving positive social impact and closing the financial wealth gap in underserved communities. It starts with our people. We’re proud to share their dedication and work in this year’s Experian Power of YOU Report 2024: Driving social impact and diversity, equity and inclusion in English, Portuguese and Spanish. Within these pages, you’ll see how we foster belonging with our teammates, and champion DEI beyond the walls of Experian. From developing products like Experian Smart Money to expanding Experian Boost in the United Kingdom, and launching Advance XScore in Peru, we're dedicated to making a difference in the world around us. To that end, you’ll see we’ve also included, for the first time, our new Positive Social Impact Framework, which will reinforce and help our clients, consumers and employees further understand how we are making a difference in our communities. At Experian, we strive to build a brighter, more inclusive future – for our employees, our clients, and our communities. Together, we can make a real difference.
Caps and gowns. Pomp and circumstance. Loans and debt. As the class of 2024 celebrate their college graduations, more than 43 million of them leave school with a total national debt of more than $1.6 trillion. Some are on better financial footing than others – with no debts as they start their careers – because of early financial and credit education. These learnings fueled ideas for students from Historically Black Colleges and Universities (HBCUs) who competed in this year’s #IYKYK Pitch Competition (If You Know You Know), sponsored by HomeFree-USA and Experian. The challenge: to create solutions that help their peers become debt-free within five years of graduation. Here, finalists share some advice for graduates on how they can start their post-collegiate lives on solid financial footing: OLUWATOSIN OYEKEYE, Alabama State University You're not too young. I feel like most people think it's until you're married or you have kids before you should take your financial life seriously. From your first couple of first paychecks, look into where you can invest. If you don't want to live from paycheck to paycheck, look for ways to grow your money. Take your credit seriously. If you want to own a home, you want to buy a car, these things are important. It's not too early, it’s also not too late to start taking these things seriously. JAZMIN FELIZ ORELLANA, Bowie State University You don't have to start off with a credit card with a $10,000 limit. You can easily start off with a secured credit card. And that's actually one of my biggest pieces of advice. Get a credit card, be mindful with it, don't spend, don't max it out, but definitely just practice and start using it to see if you're actually able to maintain your credit. That's a piece of advice that definitely has worked with me, especially with building up my own credit, which I hope to get soon to 800. MARCUS HARRIS, North Carolina A&T University Always go out and explore opportunities that could first boost your credit and put you in a more financial-free state. For example, with Experian, they have an Experian Boost program that when you're in school, if you have rent, you rent an apartment, you could apply that. Or even the Netflix subscription, you can apply that to the Experian Boost program and therefore you can help build your credit over the time. TAYLOR PAYTON, Bowie State University To college students who are about to graduate, once they get that job offer with a lot of zeros behind it, be mindful of lifestyle influences. Just because you're making a certain amount of money does not mean you have to spend all of it. Be mindful not to keep up with the Joneses. CHIOMA KALU, Alabama State University There's something my sister used to say. She used to say, "Pay now, play later. Or if you play now, you pay later." I feel like if they focus during their youth when they can really do these things and really go out there, do the jobs, focus on paying off everything, getting that financial literacy, getting that financial freedom, and then at age 30 you're already set up for life. That makes more sense than just going through life, just ballin’, and then at the end of the day, if you have to pay when you're like 60? You're still paying student loans? Come on, now. CALVIN CHARLES III, Bowie State University Do not get caught up in social media. Just because you want to live in the city doesn't mean that that's what you have to do. And there's nothing wrong with roommates. They can allow you to reach your actual goals. Every meal does not have to be eaten out. Social media creates a lifestyle that you wish to live, and living in that moment is great, but you have to think about your future and building that wealth for yourself directly afterwards. All of these students were part of the Center for Financial Advancement Credit Academy. To learn more about this program that supports HBCU students, click here.