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
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dsad secondary some updates What Business Owners Need to Know As of January 1st, 2024, a crucial new reporting requirement will take effect for business owners across the United States: the Beneficial Ownership Information Report (BOI). This mandate, part of the Corporate Transparency Act, is designed to increase transparency within the business community and to combat illegal activities such as money laundering and fraud. Business owners have until January 1st, 2025, to comply with this new regulation, making it essential to understand who must file and what information needs to be reported. Watch Our Explainer Video The Corporate Transparency Act: A Brief Overview The Corporate Transparency Act is a significant piece of legislation aimed at enhancing corporate transparency in the U.S. One of its key components is the Beneficial Ownership Information Report, which requires certain businesses to disclose details about their beneficial owners to the Financial Crimes Enforcement Network (FinCEN). This effort is intended to curb illegal activities by making it more difficult for individuals to hide behind anonymous corporate entities. Who Is Considered a Beneficial Owner? Understanding who qualifies as a beneficial owner is critical for determining your company's obligations under the Corporate Transparency Act. A beneficial owner is any individual who meets one of the following criteria: Directly or indirectly owns or controls 25% or more of the company Exercises substantial control over the company This definition can include company founders, executives, and significant shareholders, all of whom may be required to be listed in the BOI report. Does Your Company Need to File? Not all businesses are required to file a Beneficial Ownership Information Report. To determine if your company must comply, consider the following criteria: Your company is a corporation Your company is a limited liability company (LLC) Your company has 20 full-time equivalent employees or fewer Your company is registered to do business in any U.S. state or Tribal jurisdiction by filing a document with a secretary of state, similar state office, or Tribe If any of these conditions apply to your business, you are likely required to file a BOI report with FinCEN. Information Required for the Beneficial Ownership Information Report Filing a Beneficial Ownership Information Report involves submitting specific details about each beneficial owner. The information required includes: Full legal name Date of birth Residential or business address Unique identifying number from an acceptable identification document, such as a passport or driver's license Providing accurate information is crucial, as it ensures the ownership of companies remains transparent and accountable, a key goal of the Corporate Transparency Act. How to File Your BOI Report The process of filing a BOI report is straightforward, but it requires careful attention to detail. Here's how to get started: Gather Required Information: Collect all necessary information about your beneficial owners, ensuring that each detail is accurate and up-to-date. Submit Electronically to FinCEN: Visit FinCEN’s secure online portal at boiefiling.fincen.gov. You can submit your BOI report in one of two ways: PDF Submission: Download the form, fill it out, and re-upload it to the portal.Online Filing: Complete the information directly on the website and upload any necessary identification documents. Seeking Professional Assistance Filing a BOI report can seem daunting, especially for business owners unfamiliar with the process. If you feel more comfortable working with someone who has experience in this area, consider reaching out to a legal or financial advisor. These professionals can offer personalized assistance and ensure your report is filed correctly and on time. Final Thoughts: Stay Informed and Prepared The introduction of the Beneficial Ownership Information Report represents a significant shift in the regulatory landscape for U.S. businesses. By understanding your obligations and taking the necessary steps to comply, you can avoid potential penalties and contribute to a more transparent and accountable business environment. Finally, as you prepare to file your BOI report, it may also be a good time to review your business credit report. Knowing what others see about your business can help you better manage your credit score and overall financial health. Checking your business credit report is quick and easy, and we recommend doing so through trusted services like Experian. This new reporting requirement is an important step toward greater transparency in business ownership. By staying informed and acting promptly, business owners can ensure they meet their obligations under the Corporate Transparency Act. Frequently Asked Questions Who is considered a beneficial owner? A beneficial owner is someone who owns or controls at least 25% of the company, or who has substantial control over it.https://www.fincen.gov/sites/default/files/shared/BOI_Reporting_Key_Questions_Published_508C.pdf What information is required? A reporting company must provide its legal name, address, jurisdiction of formation, and Taxpayer Identification Number (TIN). Who can file the report? An employee, owner, or third-party service provider can file the report on behalf of the company. When is the filing deadline? Companies that lose their exempt status between January 1, 2024 and January 1, 2025 have until January 1, 2025 to file their first report. Should my company report beneficial ownership information now? FinCEN launched the BOI E-Filing website for reporting beneficial ownership information (https://boiefiling.fincen.gov) on January 1, 2024.A reporting company created or registered to do business before January 1, 2024, will have until January 1, 2025, to file its initial BOI report.A reporting company created or registered in 2024 will have 90 calendar days to file after receiving actual or public notice that its creation or registration is effective.A reporting company created or registered on or after January 1, 2025, will have 30 calendar days to file after receiving actual or public notice that its creation or registration is effective. Time needed: 3 hours and 10 minutes. go to step 1 this is step 1 descriptpin go to step 2 this is step 2 description go to step 3 this is step 3 description first second
