Experian 2008 Annual Report Download - page 15
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13Experian Annual Report 2008
Financial statements
65 – 144
Governance
38 – 64
Introduction
2 – 5
Business review
North America
Business review
North America
Business review
North America
Improving credit decision making
through a strategic alliance with Visa
Experian formed a ground-breaking, strategic
alliance with Visa during the year to develop a
series of new and innovative products that will
provide financial institutions with enhanced
intelligence across the credit decision-making
lifecycle.
The first product from the alliance is
BankruptcyPredict, which can better identify
consumers in financial distress and predict
bankruptcies up to 24 months in advance.
BankruptcyPredict combines information from
Experian’s credit files with transaction data
from Visa to deliver a bankruptcy risk score.
By taking a more comprehensive view of a
consumer’s credit activity, BankruptcyPredict
and the other products expected to result from
the alliance will enable financial institutions
to make more accurate credit management
decisions.