Experian enhances Trended SolutionsSM product suite to help lenders gain deeper historic insight to maximize portfolio growth
New estimated interest rate on revolving debt helps customize consumer offers and optimize marketing dollars

Costa Mesa, Calif., Jan. 23, 2014 — Experian®, the leading global information services company, today announced a new product in its market-leading Trended SolutionsSM suite — the Estimated Interest Rate Calculator (EIRC) for Revolving Credit — which provides lenders with insightful, optimized tools to make the right credit offers to the right customers. This product uses longitudinal credit data to determine the last six months of interest on consumers’ credit cards, which can help credit card lenders make better decisions in the prospecting, underwriting and account management processes. These insights add another dimension to the credit tools lenders are using by providing the ability to identify the effective annual percentage rate (APR), as well as interest and fee revenue generated by each consumer.
“Understanding the challenges our clients face in today’s lending environment is a top priority for Experian, and we are consistently advancing our suite of products to help optimize their marketing investments,” said David Proctor, vice president, Consumer Information Services, Experian. “We have a long history of taking the standard credit data a step further with our Trended Solutions products. Now we are able to offer an even deeper and more unique view of the consumer, which not only helps our clients to lend responsibly, but also benefits the consumer, who will get the right credit offers as a result.”

Experian’s EIRC for RevolvingSM product enables lenders to:

•Find profitable customers within their prospecting universe with more accuracy than any other tool available today
•Identify and segment consumers based on specific preferences, such as card rewards
•Determine how to effectively allocate marketing dollars to target the right type of customers in marketing campaigns and retention efforts
•Modify the decision-making process for offers and determine which customers are more likely to respond

More about Experian’s Trended Solutions
Experian’s Trended Solutions have been available to the lending community for more than a decade and provide historical credit data to help clients manage prospects and customers across the full credit life cycle. Experian stores 24-month balance and credit limit data in a manner that fully complies with the Fair Credit Reporting Act, which saves clients time and expenses, improves accuracy and provides more timely information. For a more in-depth look at Experian’s Trended Solutions, a white paper was released today titled “Trended Solutions: Fueling Profitable Growth” and is available online.

To receive a copy of this new white paper, please contact Kristine Snyder, Experian Public Relations, at 1 714 830 5192 or kristine.snyder@experian.com.

Kristine Snyder
Experian Public Relations
1 714 830 5192

About Experian
Experian is the leading global information services company, providing data and analytical tools to clients around the world. The Group helps businesses to manage credit risk, prevent fraud, target marketing offers and automate decision making. Experian also helps individuals to check their credit report and credit score, and protect against identity theft.

Experian plc is listed on the London Stock Exchange (EXPN) and is a constituent of the FTSE 100 index. Total revenue for the year ended March 31, 2013, was US$4.7 billion. Experian employs approximately 17,000 people in 40 countries and has its corporate headquarters in Dublin, Ireland, with operational headquarters in Nottingham, UK; California, US; and São Paulo, Brazil.

For more information, visit http://www.experianplc.com.

Experian and the Experian marks used herein are service marks or registered trademarks of Experian Information Solutions, Inc. Other product and company names mentioned herein are the property of their respective owners.