Experian

Illion is a provider of data, software, analytics, and credit risk management solutions tailored for various sectors, including financial services, telecommunications, utilities, and government. The company specializes in delivering unique sources of commercial information and insights that support businesses in their decision-making processes, particularly in acquiring, onboarding, and managing receivables. By developing advanced financial data and analytics software, Illion empowers clients with intelligent tools for credit risk management, lead generation, payment technologies, and tender management services. Through careful data analysis, Illion enhances its clients' capabilities to make informed decisions and optimize their operations.

Traive Inc. is an innovative fintech company based in Saint Paul, Minnesota, with additional offices in São Paulo, Minneapolis, and Boston. Founded in 2018, Traive operates an online lending platform that connects farmers with lenders, facilitating access to credit within the agriculture sector. Utilizing advanced artificial intelligence and machine learning techniques, including Language Learning Models and Generative Adversarial Networks, the platform provides dynamic credit risk assessments that go beyond traditional credit scores. By analyzing alternative farming data and individual farmer behavior, Traive enables lenders to gain valuable insights into credit risk while offering farmers fair and transparent evaluations. This approach not only streamlines the borrowing process but also enhances the overall efficiency of the agricultural credit market, fostering affordable funding options for farmers and optimizing risk management for lenders.

Flowcast Inc. is a technology company based in San Francisco, California, with an additional office in Singapore, specializing in machine learning and predictive analytics. Founded in 2015, Flowcast develops advanced algorithms that create predictive models to assess credit risk and enhance decision-making for financial institutions. Its key offerings include Smartcredit, which provides comprehensive company information for credit decisions; Smartclaims, which automates the deduction claims process; and Tillful, a platform that provides credit scores and access to credit offers. Flowcast's solutions leverage alternative and proprietary data to offer real-time monitoring of borrowers' creditworthiness, evaluating their ability to repay loans, the risk of delinquency, and the likelihood of dilution. The company aims to empower lenders to unlock credit for businesses of all sizes by simplifying complex data insights into actionable information, all without requiring extensive coding expertise.

BankBazaar.com is India’s largest fintech co-branded credit card issuer and online platform for free credit score. It has a captive base of 50Mn registered users who use the platform for free credit score tracking and in-depth personal finance content and comparison tools. Its range of co-branded credit cards with India’s leading banks is driving the platform's rapid growth with more than half its customers now opting for BankBazaar's own co-branded products. The company is on track to facilitate one million active BankBazaar cobranded credit cards in force over the next couple of years. Supported by global investors such as Experian, Eight Roads, Sequoia India, WSV, and Amazon, BankBazaar has been at the forefront of democratising finance in India by providing end users with frictionless access to credit. BankBazaar has offices in Chennai, Bangalore, and Mumbai.

RAM Credit Info provides credit reports, alerts and monitoring, primarily to financial institutions.

Bonify is a Berlin-based FinTech startup that provides customers with access to their credit scoring and financial data. Founded in 2015 by former executives from McKinsey and Zalando, the company offers a mobile platform that allows users to check and correct their credit scores, monitor changes, and receive personalized recommendations to enhance their financial situations. By enabling users to upload relevant data and offering easy-to-read credit reports and insights, Bonify aims to holistically improve individuals' financial lives. The company has garnered significant funding from leading venture capitalists and successful entrepreneurs, reflecting its innovative approach to credit management.

Nav is a business financial management platform that provides entrepreneurs with free access to personal and business credit reports from major credit bureaus, including Experian, Dun & Bradstreet, Equifax, and TransUnion. The platform offers tools for monitoring finances and building business credit, along with a marketplace featuring over 100 financing products, such as loans and credit cards. By employing a lender-neutral approach, Nav helps business owners identify the most suitable financing options based on their specific needs and approval odds. Additionally, Nav's services are utilized by other business service providers to enhance their customer offerings, making it a valuable resource for managing operational funding requirements efficiently.

Aire is a credit assessment and automation platform based in London, founded in 2014. The company specializes in providing credit scores to consumers, facilitating their applications for loans and credit cards. Aire's innovative approach enhances underwriting decisions by leveraging advanced data analytics. In addition to its operations in the UK, the company has expanded its services to the US market. Customers in the UK can contact Experian UK for any data requests related to their credit files associated with Aire.

Compuscan Information Technologies (Pty) Ltd. is a credit bureau and information services provider based in Stellenbosch, South Africa, established in 1994. The company specializes in collecting, validating, and distributing consumer credit information, offering a comprehensive suite of services that includes credit scoring, ratings, affordability assessments, and tracing tools. Additionally, Compuscan provides decision analytics and marketing services, such as customer insights, data enrichment, and customer engagement solutions. The company has built a solid reputation in developing markets, focusing on creating tailored credit management solutions to help businesses make informed decisions, reduce risks, and enhance profitability. Compuscan partners with various organizations across Africa to foster strong customer relationships and maintain a competitive edge in the industry. As of May 2019, Compuscan operates as a subsidiary of Experian plc.

Caxe Technologies is a provider of financial services technology that caters to blue-chip B2B clients. The company specializes in developing a data and AI-based platform that delivers a range of digitized financial services, including digital banking software, credit decision tools, analytics, risk management solutions, and regulatory reporting. Through its innovative platform, Caxe enables clients to access various products and services that facilitate informed decision-making in the financial sector.

Clarity Services, Inc., established in 2008 and headquartered in Clearwater, Florida, operates as a subsidiary of Experian plc since March 19, 2018. The company functions as a real-time credit bureau, specializing in fraud detection and credit risk management solutions for the under-banked and non-prime consumer segment. Clarity Services provides lenders with alternative consumer data not typically available through traditional reporting agencies, enabling them to assess risks more effectively and make informed lending decisions.

BankBazaar.com is India’s largest fintech co-branded credit card issuer and online platform for free credit score. It has a captive base of 50Mn registered users who use the platform for free credit score tracking and in-depth personal finance content and comparison tools. Its range of co-branded credit cards with India’s leading banks is driving the platform's rapid growth with more than half its customers now opting for BankBazaar's own co-branded products. The company is on track to facilitate one million active BankBazaar cobranded credit cards in force over the next couple of years. Supported by global investors such as Experian, Eight Roads, Sequoia India, WSV, and Amazon, BankBazaar has been at the forefront of democratising finance in India by providing end users with frictionless access to credit. BankBazaar has offices in Chennai, Bangalore, and Mumbai.

Nav is a business financial management platform that provides entrepreneurs with free access to personal and business credit reports from major credit bureaus, including Experian, Dun & Bradstreet, Equifax, and TransUnion. The platform offers tools for monitoring finances and building business credit, along with a marketplace featuring over 100 financing products, such as loans and credit cards. By employing a lender-neutral approach, Nav helps business owners identify the most suitable financing options based on their specific needs and approval odds. Additionally, Nav's services are utilized by other business service providers to enhance their customer offerings, making it a valuable resource for managing operational funding requirements efficiently.

Nav is a business financial management platform that provides entrepreneurs with free access to personal and business credit reports from major credit bureaus, including Experian, Dun & Bradstreet, Equifax, and TransUnion. The platform offers tools for monitoring finances and building business credit, along with a marketplace featuring over 100 financing products, such as loans and credit cards. By employing a lender-neutral approach, Nav helps business owners identify the most suitable financing options based on their specific needs and approval odds. Additionally, Nav's services are utilized by other business service providers to enhance their customer offerings, making it a valuable resource for managing operational funding requirements efficiently.

Riskdisk is a company that specializes in providing credit information and analytical tools to small and medium enterprises (SMEs) in the United Kingdom. By offering commercial credit reports and risk information, Riskdisk enables these businesses to assess their creditworthiness and make informed financial decisions. The company's services are designed to support SMEs in navigating the complexities of credit risk, thereby fostering growth and stability in a competitive market.

Mighty Net, Inc. provides online services to consumers interested in managing their credit behavior.

RentBureau is a consumer reporting agency in the United States that specializes in collecting rental payment information from apartment residents. By gathering data directly from apartment property management systems on a daily basis, RentBureau creates comprehensive credit files for residents, helping to establish their rental history. This information is vital for apartment owners and managers, who access it to make informed screening decisions about potential tenants. Additionally, RentBureau updates its findings into the National Data Rental Exchange, a database that is accessible online through a subscription-based membership. The insights provided by RentBureau facilitate enhanced decision-making within the multifamily housing industry and assist the credit industry in identifying reliable consumers.

KreditInform is a provider of commercial credit information and analytics in South Africa. Founded in 1982, KreditInform operates one of the most comprehensive and up-to-date commercial information databases in South Africa. KreditInform maintains proprietary and public data on all registered companies in South Africa, including debtor records, payment histories, financial information, directorships, shareholding relationships and other commercial credit information, with records extending back over 25 years. KreditInform provides commercial information and solutions to over 2,000 customers in South Africa, including Nedbank, Standard Bank of South Africa, ABSA and FNB, helping companies to extend credit, monitor credit risk and assisting with collections strategies.

DP Information Group (DP Info) is Singapore’s leading credit and business information bureau. A veteran of nearly 3 decades, the company currently service 95% of Singapore’s financial institutions and some 75% of leading law firms. Through its 24/7 online information portal, QuestNet, DP enables its clients to make confident credit management decisions everyday based on comprehensive, accurate and reliable information. DP Info Group offers a credit management scores for the national credit consumer market and is also a developer of DP Credit Ratings, its own proprietary corporate credit ratings model based on the global probability of default approach. DP Info is a strong advocate for the SME and entrepreneurial segment, managing and operating an ACRA-appointed service bureau, DP Bureau, which assists SMEs and entrepreneurs in starting their business and operating them effectively and efficiently through their initial years.

Krediidiinfo is the primary consumer and commercial credit information group. Krediidiinfo, which will be known as Krediidiinfo A/S, an Experian company, currently employs 30 people in Tallinn and Tartu. As well as operating business and consumer credit bureaux, Tallinn also offers credit management and B2B marketing services. Krediidiinfo’s clients include most of the country’s leading financial services providers, utilities, telecommunications and retail companies, as well as many Nordic banks with operations in Estonia.

Serasa Experian is a leading information services company in Brazil, with over 45 years of experience in the sector. It specializes in data technology solutions that assist businesses of all sizes and individual consumers in harnessing the power of data. The company offers a range of services, including financial content, fraud detection, portfolio management, and security solutions. By transforming complex data into clear and actionable insights, Serasa Experian enables clients to make informed decisions and thrive in their respective markets. Its extensive expertise positions it as a trusted reference in the information services landscape.

Expert Credit Bureau is the banking and non-banking industries in Romania. ExCB has been in operation since early 2005, serving clients from the banking and non-banking industries in Romania. ExCB currently holds mostly negative data but plans to move into both positive and negative data processing shortly.

Baker Hill Solutions specializes in delivering cloud-based banking process solutions tailored for financial institutions in the United States. The company offers a comprehensive suite of products, including Baker Hill Advisor, which enhances client relationships through integrated sales, client profitability, and portfolio management functionalities. Key modules of Baker Hill Advisor include Client Advisor for client attraction and retention, Exception Advisor for managing compliance and exceptions, and Portfolio Risk Advisor to assist banks in mitigating risk and identifying cross-sell opportunities. Additionally, Baker Hill Solutions provides a robust loan origination software that streamlines processes for business, consumer direct, and indirect lending, featuring tools for collateral management, credit memo creation, document management, and loan onboarding. This platform enables financial institutions to drive growth while reducing risk and improving overall productivity and profitability.

Equifax Italy SRL specializes in providing consumer and business information services, primarily targeting the financial services sector and real estate markets. The company offers a range of services that include transaction processing, direct marketing, and customer relationship management, all delivered through internet platforms. By leveraging comprehensive data on customers and real estate, Equifax Italy aims to support businesses in making informed decisions and enhancing their operational efficiencies.

Nordic Info Group is a privately held company that provides credit and business information on businesses and individuals.