Experian 2011 Annual Report Download - page 18

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Experian Annual Report 2011
16
Data
At the core of Experian’s strategy, are
comprehensive databases of credit and
marketing information on consumers and
businesses. The Group strives for market
leadership in the breadth, depth and
quality of its data.
Experian continues to add new data
sources to bring fresh perspectives to its
clients, to drive new product innovation
and to enter new geographies.
Experian also invests continually to
ensure that its data is fresh and is
provided to clients on a timely basis.
Credit Services data
Data to help manage credit risk,
reduce exposure to bad debt and to
prevent fraud
Experian holds a wide breadth of data
assets across its Credit Services
business line. The data is provided
to organisations to help them lend
profitably to their customers and to
manage the risks associated with
lending money. Other purposes for the
data include fraud prevention, identity
verification and to help clients retain and
expand their customer relationships.
Experian also helps consumers to
understand the risk associated with
purchasing used vehicles.
Data in Credit Services includes:
l Consumer credit data in 16 countries.
Data includes account level payment
history, consumer credit accounts,
property records, public records,
telephone data, credit card payment
history and mortgage loan data.
Experian is adding new data to
its consumer le, such as rental
information and current account
information, and is extending into new
geographies by building databases in
markets such as India.
l Commercial credit data in 12 countries.
Data varies by country, but typically
includes histories of nancial
performance, accounts receivable,
company registration and ownership
details, trading addresses and county
court judgments.
l Automotive data in six countries.
Examples include vehicle title and
registration, vehicle history, auto
accidents, manufacturer recall and
repair records.
Marketing Services data
Data to help customers to market
effectively across multiple channels
on a global basis
Experian is a leader in the provision
of data for marketing purposes.
Experian’s data helps clients to profile
their customers and to segment
offers so that marketers can target
their marketing spend efficiently.
Examples of data supplied by Experian
include contact data, such as name,
address and email, demographic
information, such as age, marital status
or income, and lifestyle information
such as entertainment, car or holiday
destination preferences.
In addition, Experian has classified
over 2.3 billion consumers in over 30
countries.
Key resources continued
Experian holds:
• credit application and payment
history data on more than 600
million consumers and 60 million
businesses globally
• demographic data on over 260
million households worldwide, as
well as online behaviour data for
25 million internet users across
more than ve million websites
and globally has:
• classied more than 2.3 billion
consumers in 30 countries