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The National Foundation for Credit Counseling® (NFCC) and Experian® jointly announced today that Experian committed 80,000 free, 12-month memberships to its freecreditscore.comTM product, in support of the NFCC’s Sharpen Your Financial Focus™ program. The NFCC program, launched in September of this year, includes a broad cross-section of supporters – Experian and others – who are committed to increasing the financial well-being of Americans. The donation, the largest of its kind ever awarded by Experian and part of the company’s continued commitment to financial education, will be used by the NFCC to complement financial education provided by NFCC member agencies to individuals who take part in the program. “Experian’s generous gift in support of the Sharpen Your Financial Focus program underscores its commitment to financial education and to the American consumer,” said Susan C. Keating, president and CEO of the NFCC. “The NFCC network is proud to join forces with Experian, as together we help Americans emerge from one of the most difficult financial crises of their lifetimes and rebuild their financial futures.” Experian and NFCC have worked together on several occasions, equipping consumers with information and resources to better understand and, consequently, approach credit use and management more intelligently. According to Victor Nichols, Experian’s North American CEO, the donation is a logical next step toward making a difference through the partnership with NFCC. “Contributing these memberships is a very tangible way to simultaneously educate consumers and demonstrate the impact that credit education products can have on a person’s long-term financial wellness,” said Nichols. “Doing that through a trusted credit counseling organization like the NFCC is a natural extension of our commitment to helping consumers and our commitment to giving back to the communities where we work.” There are many ways Experian contributes to consumers’ personal finance knowledge, but the partnership with NFCC, enabling free, hands-on access to credit scores and reports – as well as the resources to improve understanding of each – is another example of how the company is committing itself and its resources to improve financial literacy for consumers.

Owning your own business is what many perceive to be as the American dream. And if you’ve been fortunate enough to make that dream a reality, then you’ve certainly heard how indispensable your business is to the country’s economy. But as invaluable as your small business is, many small business owners face daily challenges when it comes to sustainability, profitability and growth. For the last year, Experian and the Small Business Administration (SBA) have lent a helping hand to small businesses that are facing those types of challenges. As a part of their efforts, all Historically Underutilized Business Zone (HUBZone) firms and small businesses that are considered to be socially and economically disadvantaged under the SBA’s 8(a) business development program have full access to BusinessIQ Express. BusinessIQ Express is an online tool that improves cash flow by providing small businesses with the resources they need to better manage their business relationships quickly and easily. It does this in three key ways: • Evaluate — BusinessIQ Express users can evaluate prospects, customers, suppliers and partners on their likelihood to pay or deliver on time. • Monitor — Users 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 users unique options that may have been never before easily accessible to them to help collect on outstanding debts and avoid future losses. With access to BusinessIQ Express, small businesses will have a powerful resource at their fingertips to help meet business obligations and improve profitability, ultimately enabling them to address some of those challenges head on.

Millions of Americans face economic hardships today due to the financial crisis. The Great Recession made a big impact on the financial lives of consumers. Unemployment was high and many struggled to make ends meet, forcing them to tap into their savings and live off credit to survive. Now that our economy is recovering, we believe that education is the key for consumers to unlock the door that leads to financial success and opportunity. As part of our commitment to educate consumers, we work with organizations that educate and raise awareness about financial literacy. One of our valued partners is Spotlight on Poverty and Opportunity. Through a financial literacy grant Experian supported production of a series of webcasts on financial capability and issues impacting low-income Americans. Starting this month, the following webcasts will be available at www.SpotlightonPoverty.org. • Governor of Delaware, Jack Markell—Governor Markell explains why he established The Financial Literacy Education Fund and what steps Delaware is taking to promote financial capability among child care providers as well as other groups. • National Foundation for Credit Counseling, Susan Keating—Keating highlights how we can arm people with the information and tools to help them get back on their feet. • AARP Foundation, Emily Allen—Allen discusses how the elderly can recover from the recession, manage their limited finances and protect themselves financially. • Corporation for Enterprise Development, Andrea Levere—Levere focuses on how to help the underbanked navigate the financial world and strategies to change education in our schools. • Center for Financial Services Innovation, Sarah Gordon—Gordon examines how to transform the financial services marketplace to help change the behaviors of underserved consumers to help them achieve financial prosperity. • Shepherd Consortium, Dr. Harlan Beckley— Dr. Beckley and his students explain a new financial literacy project being developed by universities to help fight poverty. Experian’s vice president of public education, Maxine Sweet also participated in a webcast. Experian Maxine from Spotlight on Vimeo. Experian Maxine pt2 from Spotlight on Vimeo. To learn more about Experian’s financial education resources visit www.LiveCreditSmart.com.