We’ll help you get to know your customers, so you can give them exactly the help they need. With Experian’s credit risk data and models, you’ll know which products are right for them.
We use complex analytics to create intelligent data models and predictive scorecards. It enables us to match affordability, personal, credit, transaction and property data. Plus, our vast data sources are constantly evolving, because we’re always looking for innovative ways to give you better understanding of credit risk.
Experian’s Credit 3D is a suite of consumer risk scores and models that enable you to understand an individual throughout their relationship with you. From the moment they apply for your products and services, to understanding any changes to their circumstances such as buying a new house or starting a family, we can give you the insight that you need to enable you to make decisions that look after their best interests in the moments that matter. To offer them the right products at the right time to allow you to grow your business.
Our data and insight can help you make confident decisions, so you can assess affordability quickly and easily.
Understanding an individual consumer’s ability to afford your products or services is essential when it comes to finding the right product for the right person. Our data and services can help you to make confident decisions by allowing you to quickly and easily assess an individual’s affordability throughout your relationship with them.
As an accredited FCA supplier of solutions and an Account Information Service Provider (AISP), we know that assessing someone’s ability to afford credit through verifying their income and how they use their money shouldn’t be a one size fits all process.
Our Affordability Check solution offers the ability to use both our bureau data and the statement data that Open Banking and the Payment Services Directive 2 (PSD2) has made available. Enabling you to offer relevant, fair and flexible processes that are personalised to an individual.
Experian’s Affordability Check solution uses the wealth of data that Open Banking has made available. Bringing together all the components required to make a streamlined efficient credit on boarding process.
Affordability Check uses our extensive CATO data to perform checks across the credit lifecycle and gives you the following indicators that you can use to understand what customers can and can't afford.