At Experian, we often say our people are our biggest superpower – and today, I’m thrilled to share that this belief has been recognised once again. Experian has been named one of the 2025 World’s Best Workplaces™ by Fortune and Great Place to Work® for the second year in a row.
This achievement reflects the culture we’ve built together – one that’s welcoming, inclusive, and rooted belonging. It’s a celebration of every colleague who brings their whole self to work, who lifts others up, and who powers opportunities for our clients, consumers, and communities.
We’ve made it our mission to create a workplace where everyone feels included, respected, and empowered. That’s why we’re proud to have earned top scores on the Corporate Equality Index and the Disability Equality Index, and to be recognised with the Outie Award for Workplace Excellence and Belonging.
These recognitions matter. But what matters most is how our people experience life at Experian. Whether it’s collaborating, innovating, or growing through world-class development of products, services and contributing to our communities, our culture is designed to help everyone thrive.
We’ve also made bold commitments to career development. Initiatives like Global Careers Week, the AI-driven performance coach Nadia, and the NextGen Forum – a global leadership development programme for emerging talent from across our regions – give our people the resources to take charge of their growth and build a “One Experian” mindset.
Being named one of the World’s Best Workplaces is a moment to celebrate but also a reminder to keep aiming higher. The world of work is evolving fast, and so are we. From embracing AI to enhancing our digital workplace experience, we’ll continue to push forward and listen to our people every step of the way.
Questions we will discuss:
- What does “retirement readiness” mean to you, and how can someone tell when they are financially ready to retire?
- Is there a magic number for retirement savings, and what factors should someone consider when setting a retirement goal?
- How can someone estimate their retirement expenses realistically?
- What are some common myths or misconceptions about how much money you need to retire?
- How should Gen Z, Millennials, and Gen Xers each approach retirement planning differently based on their stage of life?
- What are the biggest obstacles people face when trying to save for retirement, and how can they overcome them?
- How can you balance saving for retirement with paying off debt or supporting family today?
- What tools, calculators, or strategies can help people figure out if they’re on track for retirement?
- How can people prepare for unexpected costs or life changes that could impact their retirement plans?
- What’s one piece of advice you’d give someone just starting—or restarting—their retirement savings journey?
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Credit Chat
Stretching your Dollars: Practical Tips to Cut Costs and Save More
February 5, 2025 3-4 PM ET
- What does “retirement readiness” mean to you, and how can someone tell when they are financially ready to retire?
- Is there a magic number for retirement savings, and what factors should someone consider when setting a retirement goal?
- How can someone estimate their retirement expenses realistically?
Greater transparency in buy now, pay later activity is key to helping consumers build their credit histories and supporting responsible lending. We have members of the military right now right out of high school and there’s not a lot of experience managing their own money. They’re quickly thrust into a place where they don’t have a support system to do that. We have members of the military right now right out of high school and there’s not a lot of experience managing their own money. They’re quickly thrust into a place where they don’t have a support system to do that. We have members of the military right now right out of high school and there’s not a lot of experience managing their own money. They’re quickly thrust into a place where they don’t have a support system to do that. We have members of the military right now right out of high school and there’s not a lot of experience managing their own money. They’re quickly thrust into a place where they don’t have a support system to do that. We have members of the military right now right out of high school and there’s not a lot of experience managing their own money. They’re quickly thrust into a place where they don’t have a support system to do that.
Experian North AmericaScott Brown, Group President, Financial Services
Experian Automotive today announced that average credit scores for consumers buying a vehicle have dropped to near prerecession levels. According to its quarterly automotive credit analysis, the average credit score for financing a new vehicle dropped six points to 760 and dropped four points to 659 for used vehicles. Comparatively, credit scores in Q1 of 2008 were at an average of 753 for new vehicles and 653 for used. Lenders also continued to set favorable terms for consumers during Q1 2012. Interest rates were lower year-over-year and loan terms were longer, giving consumers access to potentially lower monthly payments. For example, the average interest rates dropped to 4.56 percent on new vehicle loans and to 9.02 percent for used. The average loan terms also increased, extending by one month for new and used vehicles to a total of 64 and 59 months, respectively. “During the first quarter of 2012, car shoppers definitely found more favorable conditions for their vehicle loans,” said Melinda Zabritski, director of automotive credit for Experian. “A reduction in average credit scores, lower interest rates and a lengthening of loan terms are all very good signs for the market and offer great opportunities for consumers looking to make a deal on a new or used vehicle.” The analysis also showed an increase in the average amount financed. The average amount financed on new vehicles rose by $589 in Q1 2012, reaching a total of $25,995. For used vehicles, the average amount financed increased by $411, bringing the average total to $17,050. “Our report shows automotive lending is as healthy as it’s been since the market bottomed out in 2008,” continued Zabritski. “With consumers doing a good job of paying back loans on time and the percentage of dollars at risk reaching its lowest point in six years, lenders are able to extend terms and provide lower rates. This thawing of the credit pipeline has been good for everyone, from consumers to lenders to automotive retailers.” Some additional highlights from Q1 2012: Vehicle loans to nonprime, subprime and deep-subprime customers increased by 11.4 percent Auto repossession rates are down by 37.1 percent. Thirty-day delinquencies dropped by 7.6 percent; 60-day delinquencies dropped by 12.1 percent. Banks and credit unions gained market share. Banks grew by 7.5 percent to 40.21 percent market share, while credit unions grew by 10.5 percent to 16.89 percent market share. Complete findings from the State of the Automotive Finance Market Q1 2012 credit trends analysis will be presented today in a Webinar at 11 a.m. Pacific/1 p.m. Central/2 p.m. Eastern. Please join us. Experian Automotive’s quarterly credit trend analysis features market reporting data and analysis from its AutoCount® Risk Report, which analyzes automotive lending markets based on a uniform measurement of credit quality that segments markets by geography, credit score and vehicle registrations, among other factors. It also incorporates data from the Experian–Oliver Wyman Market Intelligence Reports, which provide topical, quarterly analysis; peer benchmarking options; and commentary on key issues facing the financial services industry. Photo: Shutterstock
Experian Marketing Services today announced the acquisition of Conversen. Conversen is a pioneer in developing interaction management technologies that enable marketers to create fully integrated, cross-channel conversations through mobile, Web, social, email and traditional channels. To encourage advocacy and deepen customer loyalty, marketers are quickly moving away from channel marketing and are focusing on implementing coordinated, personable and highly relevant data-driven conversations. The acquisition of this industry-leading campaign management technology further strengthens Experian Marketing Services’ integrated marketing suite and provides even more flexibility, efficiency and precision to clients’ engagement strategies. “As the complexity and demand for more data-driven marketing grows, it’s paramount that Experian Marketing Services stays ahead of these shifts and continues to offer an intuitive, flexible product set that enables clients to engage in consistent, meaningful dialogues with their customers across all relevant channels,” said Matt Seeley, president, Experian Marketing Services. “The acquisition of Conversen aligns with our commitment to invest aggressively in cross-channel marketing and complements our powerful suite of customer-centric marketing services that better connect our clients with their customers. We fully expect this acquisition to have a tremendous and immediate, positive impact on our clients’ programs.” Philip Chischportich of Conversen added, “Our mutual high regard for — and focus on — our clients, along with Experian Marketing Services’ global scale, deep roots in direct-to-consumer marketing and diverse industry experience, made this a win-win for both organizations and our clients. Experian Marketing Services has a proven track record of developing and acquiring innovative technologies, leveraging emerging channel preferences and maximizing return on investment for its high-performing marketing clients. This strategic business approach matches our growth plans, and we’re thrilled about becoming part of their team.”
Experian®, the leading global information services company, today announced that during National Small Business Week, May 20–26, it will offer BusinessIQ Express at half off its annual subscription price for the first year of service. BusinessIQ Express is a new online tool that enables small businesses to improve their cash flow by providing them with resources to better evaluate and monitor business relationships and collect on outstanding debt. “Maintaining cash flow and ensuring prompt payments are challenges that all businesses face,” said Adam Fingersh, senior vice president of Experian’s Business Information Services. “Large businesses usually have enough built-up capital to weather the ebbs and flows of untimely payments, but for a small business, delinquent payments can mean the difference between being open tomorrow and having to shut their doors forever.” BusinessIQ Express offers three key ways to help members manage their business relationships quickly and easily: Evaluate — BusinessIQ Express members can evaluate prospects, customers, suppliers and partners on their likelihood to pay or deliver on time Monitor — Members can easily monitor their business relationships with alerts and notifications of key changes, allowing them to take appropriate account actions and maintain beneficial relationships Collect — The tool offers small-business members unique options that may have never before been easily accessible to them to help collect on outstanding debts and avoid future losses Small businesses can sign up for membership to BusinessIQ Express at the discounted annual rate of $375 (a 50% savings in the first year of membership) throughout National Small Business Week (May 20–26). To learn more, check out BusinessIQ Express.
