Tech & Innovation
At Experian, we are continually innovating and using technology to find solutions to global issues, modernize the financial services industry and increase financial access for all.
DEI
Our deep commitment to social and financial inclusion is reflected in our workplace culture, our partnerships and our efforts to break down the barriers to financial equity.
Financial Health
Our initiatives are dedicated to getting tools, resources and information to underserved communities so that consumers can best understand and improve their financial health.
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This guest post is from Donna Freedman (@DLFreedman). Donna is a former newspaper journalist and staff writer for MSN Money and Get Rich Slowly. Currently she writes for Money Talks News and for her own website, donnafreedman.com.
What do Baby Boomers and millennials have in common? Stereotyping, retirement issues and, sometimes, a residence. About that last: According to a Pew Research Center study called “The Boomerang Generation,” 29% of adults aged 20 to 34 live with their folks. Which leads us to a two-pronged stereotype: Boomers were overly indulgent parents who never let their kids suffer even a moment of The Sadz, which is why millennials are such an entitled, failure-to-launch cadre.The Fourth Annual State of Credit report is Experian’s comprehensive look at nationwide data to determine how four different generations are managing their debts by analyzing their credit scores, the number of credit cards they have, how much they are spending on those cards and the occurrence of late payments. Additionally, credit scores were examined in Metropolitan Statistical Areas (MSAs) to provide the 10 highest and 10 lowest credit scores in each generation across the nation. The study creates an opportunity for consumers to better understand how credit works so they can make informed financial decisions and live credit smart even in the face of national economic challenges.
Check out the full infographic.
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.
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.
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.
Grab a pen and paper. Jot down some differences between the Northeast and Midwest. What came to mind? Maybe it was the bright city lights of the Northeast versus the Midwest’s starlit farms? Or maybe it’s the city’s busy streets compared to quiet open fields? What you may or may not have written down is that Northeasterners prefer to drive more import vehicles than the folks in the Midwest.
According to Experian Automotive’s mid-year review of automotive market trends, in the first half of 2013, the top five new vehicle models in the Northeast region were all import brands. Conversely, as one might have guessed, American-made vehicles dominated the Midwestern roads. In the Northeast, the list was made up of the Honda Accord, Honda CR-V, Toyota Camry, Honda Civic and Nissan Altima. Out in the Midwest, Ford vehicles made up four of the top five and the Chevrolet Silverado 1500 filled out the list. The top five in order included the F-150, Fusion, Escape, Silverado 1500 and the Focus.
In the personal finance world, credit is one of the hottest topics to talk about and there are many resources available to consumers.
To further empower consumers to take a more active role in managing their credit, Experian provides a number of solid consumer education programs.
As a positive extension to those, in 2011 we developed Experian Credit Educator, a consumer-education service that offers personalized, live, one-on-one, telephone-based credit education sessions to consumers and customers of Experian’s clients.
Experian recently announced that we’ve added new features to this service in order to give consumers insights into specific actions which may produce an improvement to their credit score.
Today I’ve been reading sensational and very misleading headlines saying things like “Experian Sold Consumer Data to ID Theft Service” and “Experian Duped into Selling Social Security Nos.”
Let me share with you the actual – and factual – events that led to the investigation and subsequent arrest of the suspect in the case surrounding Court Ventures and US Info Search.
The suspect in this case obtained access to US Info Search data through Court Ventures prior to the time Experian acquired the company.
To be clear, no Experian database was accessed.
This guest post is from Rod Ebrahimi, CEO of ReadyForZero
At ReadyForZero, our focus has always been on helping people pay off debt and take control of their finances so they can begin building wealth. It’s a mission that has inspired us since our very first user. We started out very small, when I helped my girlfriend make a spreadsheet to organize her student loans. After that, my co-founder Ignacio Thayer and I realized that many of our friends and loved ones had debt. We decided it was our challenge to create a tool that would help them. Focusing on this mission has helped us create the best debt management tool in the industry. Our users are regular people all across the U.S. who are tired of being burdened by their debt and ready to become debt free.