Experian is all about turning insights into action… using data for good. Our commitment is to work with our clients, consumers, non-profits and other parties to help ensure that we, as a company and within society, continue to properly leverage big data for good. As part of that effort, each week we bring you Experian Insights – a round-up of news and resources highlighting how data is used for positive business, consumer and societal actions in many ways and across multiple sectors. Experian Insights in the News The One Thing That Could Instantly Make Your Credit Score Better – Time If both rent and utilities were part of credit scores as many as 54 million people (who are essentially invisible today) would be able to participate in mainstream finance. [Tweet] Five Minutes with Matt Seeley, EMS Group President – The Hub We're working with numerous clients to help guide their organization's data management strategy, putting insights into action to create improved and more meaningful customer interactions. [Tweet] Small Business Insights Drive Action for the Good of the Economy – Experian Blog Small businesses rounded out 2014 performing at a very high level, especially in terms of credit health. [Tweet] Agencies Navigate the Identity-Based Security Ecosystem – GCN Identity systems have become the top priority for organizations looking to safeguard government data from attackers. [Tweet] Experian's Newest CMO Aims to Focus on Consumers – AdAge.com Kristen Simmons will lead strategic direction, development and execution of marketing for Experian consumer services in North America. [Tweet] How Millions of Consumers Could Get Credit for Paying Their Utilities on Time – Experian Blog Study analyzed the financial benefits for consumers by adding positive, monthly utility or rental payments to credit reports. [Tweet] Jump-Starting Car Sales from the Service Lane – Automotive News Automotive News reports how VehicleXchange works with Experian to help car dealers find credit-worthy customers. [Tweet] 5 Tools for Improved Identity Management – GCN Government agencies will have to rely on improving existing technology solutions to help manage their ongoing security threats. [Tweet] Acting on Insights to Create Value for Marketers and Their Customers – Experian Blog Learn how successful businesses are drawing meaningful insights from data to impact almost every aspect of business operations. [Tweet] Subscribe to this blog by email to learn more about our data and analytics.
Experian is all about turning insights into action… using data for good. Our commitment is to work with our clients, consumers, non-profits and other parties to help ensure that we, as a company and within society, continue to properly leverage big data for good. As part of that effort, each week we bring you Experian Insights – a round-up of news and resources highlighting how data is used for positive business, consumer and societal actions in many ways and across multiple sectors. Experian Insights in the News The One Thing That Could Instantly Make Your Credit Score Better – Time If both rent and utilities were part of credit scores as many as 54 million people (who are essentially invisible today) would be able to participate in mainstream finance. [Tweet] Five Minutes with Matt Seeley, EMS Group President – The Hub We're working with numerous clients to help guide their organization's data management strategy, putting insights into action to create improved and more meaningful customer interactions. [Tweet] Small Business Insights Drive Action for the Good of the Economy – Experian Blog Small businesses rounded out 2014 performing at a very high level, especially in terms of credit health. [Tweet] Agencies Navigate the Identity-Based Security Ecosystem – GCN Identity systems have become the top priority for organizations looking to safeguard government data from attackers. [Tweet] Experian's Newest CMO Aims to Focus on Consumers – AdAge.com Kristen Simmons will lead strategic direction, development and execution of marketing for Experian consumer services in North America. [Tweet] How Millions of Consumers Could Get Credit for Paying Their Utilities on Time – Experian Blog Study analyzed the financial benefits for consumers by adding positive, monthly utility or rental payments to credit reports. [Tweet] Jump-Starting Car Sales from the Service Lane – Automotive News Automotive News reports how VehicleXchange works with Experian to help car dealers find credit-worthy customers. [Tweet] 5 Tools for Improved Identity Management – GCN Government agencies will have to rely on improving existing technology solutions to help manage their ongoing security threats. [Tweet] Acting on Insights to Create Value for Marketers and Their Customers – Experian Blog Learn how successful businesses are drawing meaningful insights from data to impact almost every aspect of business operations. [Tweet]
It seems like every conversation I have regarding how the U.S. economy is doing, I always think about small businesses. After all, small businesses are what drive our economy forward. They are the center of commerce for our country, and create the most jobs for our growing workforce. Quite honestly, without them, who knows where our country would stand today. With that said, how are small businesses really doing? Well, according to the Experian/Moody’s Analytics Small Business Credit Index, small businesses rounded out 2014 performing at a very high level, especially in terms of credit health. Small businesses improved their payment and credit management behavior across the board, increasing their average risk score, reducing the number of days they paid bills past due and lowering delinquency rates. The end of 2014 also saw a decrease in the number of businesses that filed for bankruptcy. Simply put, small businesses fared well at the end of last year. What does this mean in the grand scheme of things? For lenders and suppliers, the continued improvement in payment and credit management performance by small businesses is a welcomed sign. It enables them to feel more confident when extending credit. Understanding these trends give lenders the insight needed to make more informed decisions on loan terms, interest rates and credit limits. On the other side of the spectrum, small businesses have positioned themselves to gain access to a wider availability of credit than several years ago. Staying on top of their payment performance will be critical, as it can open up the credit spigot for years to come. Gaining insight into how lenders and suppliers perceive a small business’s risk, enables owners to understand the areas they need to improve on. At Experian, we’re committed to helping lenders, suppliers and small businesses alike, understand these data points, and turn them into actionable insights to help them move their businesses forward and grow. Enabling our clients to use this data for good and create new opportunities is at the core of everything we do. At the end of the day, the continued improvement in small business credit health is a positive for all parties involved. It enables lenders to feel more confident that they will receive payment on loans they’ve extended, and small businesses will have access to capital that helps them grow and succeed. And when small businesses succeed, it has a very positive affect on our economy.
Experian’s groundbreaking generative AI-powered tool, Experian Assistant, has earned the prestigious 2025 BIG Innovation Award in the Products for Financial Services category. This recognition underscores Experian’s commitment to pushing the boundaries of innovation by helping businesses achieve success and enhancing consumer experiences. The BIG Innovation Awards, celebrated since 2011, honor organizations and solutions that redefine excellence through creativity and measurable impact. Experian Assistant was recognized for transforming how financial institutions approach data and analytics, enabling faster, smarter decision-making that enhances customer experiences and operational efficiency. Redefining Financial Services Integrated with the Experian Ascend Platform™, Experian Assistant functions as a 24/7 data expert, enabling financial institutions to optimize their credit and fraud models with ease. Using natural language processing (NLP), the virtual assistant guides users providing insights, recommendations and coding assistance. The impact is transformative: Experian Assistant cuts model-development timelines from months to just days— and even hours in some cases. By helping users analyze credit and fraud data, adjust model attributes and streamline workflows, it empowers organizations to innovate faster and make data-driven decisions with confidence. Powered by agentic AI technology, Experian Assistant reimagines how data scientists and analysts approach their work. It accelerates insights, fosters collaboration and empowers businesses to deliver exceptional customer experiences while reducing the time and resources needed to bring new initiatives to market. Driving Results Across Industries While tailored for financial services, Experian Assistant’s capabilities extend across industries. Businesses can leverage its tools for data exploration, model deployment, performance monitoring and faster time-to-market for new offerings. With Experian Assistant, users gain a powerful edge in scoring more consumers, optimizing processes and enhancing overall customer satisfaction. Recognized Excellence The 2025 BIG Innovation Awards spotlight trailblazers evaluated on creativity, impact and results by seasoned business leaders. This accolade solidifies Experian Assistant’s position as a game-changing solution in financial services and beyond.
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.
