Improved confidence helps people plan for the future, manage rising costs of living and major life events, and protect themselves from fraud.

Read on for examples of how our products and services help in practice.

The challenge

An individual’s credit score is their gateway to getting credit – whether they want a loan, mortgage or mobile phone contract. A good credit rating can help people borrow more money and pay less interest.

Credit scores can be affected by many factors – from maxing out credit cards and missing payments to fraudulent activity on someone’s account. Without understanding what affects their score, consumers can find it hard to improve it.

Our solution

Experian members in the UK can use our consumer platform to better understand, manage and protect their credit profiles – and understand how lenders view their creditworthiness.

Viewing their Experian credit score gives them a snapshot of their financial health, allowing them to track their credit history, catch errors and build a better financial future.

The platform also provides clear insights into what affects their score and how much of an impact different financial habits have. Understanding this makes it easier to take action to improve their credit score and financial outcomes.

Fraud alerts update members regularly on potentially fraudulent activity that could affect their score and they can choose to lock or unlock their Experian Credit Report to prevent fraudsters taking out credit in their name.

Our new and improved credit score in the UK, updated in FY26, includes additional data and considers positive financial behaviours such as reducing overdraft use, avoiding credit card cash advances, and making regular payments on rent and phone contracts. The score range has been expanded from 0–999 to 0–1250 providing enhanced insights on actions that can improve financial outcomes.

Impact

  • 15.2 million people in the UK had an Experian membership in FY26, giving them access to our consumer platform

The challenge

Only 36% in Colombia have access to any credit product.

Thin credit histories and over-indebtedness can make it harder to access mainstream loans at fair and affordable rates.

People applying for loans through unregulated channels can face high interest rates and punitive payment terms.

Our solution

Our financial coaching app, Midatacrédito, helps people take control of their finances, tackle unmanageable debts and improve their credit history.

The app provides personalised advice and day-to-day support to understand and manage savings, personal expenses and credit scores. It enables them to search for offers of financial products tailored specifically to their credit profile

The Midatacrédito app, and accompanying fairs supported by Experian volunteers, connect users with banks and other organisations to help them easily negotiate and repay their debts.

Impact

  • Midatacrédito made over 1 million connections in FY26

 

The challenge

Unmanageable debts can spiral out of control. As interest payments pile up on top of each other, the original debt becomes many times worse.

Over half of adults in Brazil – over 82 million people – have defaulted on their debts. This impacts their credit rating making it difficult to access mainstream credit at reasonable rates. 

Our solution

Our Limpa Nome recovery portal enables consumers to renegotiate their debts with lenders and agree realistic payment plans that they can afford.

By clearing their name of bad debts, this empowers them to build financial confidence and take back control of their finances. People repaying their debts via Pix instant payments can see their credit scores updated in real time on our Serasa app.

Limpa Nome fairs help more people renegotiate their debts and learn about ways to avoid defaulting in future – providing access to the online recovery portal for people without internet.

Brazil’s Ministry of Finance chose Experian Serasa to power its Desenrola federal debt renegotiation programme.

Impact

  • 14 million people in Brazil used our Limpa Nome recovery portal to renegotiate a total of US$19.5bn of debt. 

The challenge

The current economic climate is making it hard to keep up with the rising cost of living.

Keeping track of, and finding ways to reduce, spending can make a big difference to financial health.

Our solution

We’re making Experian consumers’ Big Financial Friend in the USA. And, as their ‘BFF’, we offer a wide range of services to support them throughout their financial lives – including helping them save, manage the rising cost of living and reach their goals.

The Experian Marketplace platform helps people keep their costs down by finding the best rates available to them for credit cards, personal loans, auto insurance and mortgages. Experian BillFixer and Subscription Cancellation negotiates on Experian Premium members’ behalf to get better rates on everyday bills.

The Experian Smart Money Digital Checking Account and Debit Card has Experian Boost built in to identify eligible bill payments that can help consumers boost their credit scores. And the Experian Smart Money Digital Savings Account offers competitive interest rates that compound daily to help even small balances grow more quickly, with no minimum deposit.

Paid Experian members with both these accounts can choose to have their debit card purchases rounded up to the nearest dollar, with the change automatically transferred to their Experian Smart Money Digital Savings Account to grow their savings.

Impact

  • Experian BillFixer and Subscription Cancellation saved Experian Premium members a total of US$54.5m, since launch in 2022.