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. operates an online lending platform tailored to the agricultural sector, facilitating loans to farmers by connecting them with lenders. Incorporated in 2018 and based in Saint Paul, Minnesota, with additional offices in São Paulo, Minneapolis, and Boston, Traive leverages advanced machine learning techniques to assess credit risk dynamically. The platform goes beyond traditional credit scores, incorporating factors such as agronomic performance and market risks to deliver comprehensive credit evaluations. This innovative approach enables farmers to access fair and affordable funding while providing lenders with valuable insights into borrower behavior and a diversified portfolio of credit-worthy individuals. By utilizing big data and AI, Traive aims to streamline the lending process, reducing bureaucracy for producers and enhancing protection for lenders.

Flowcast Inc. is a technology company based in San Francisco, California, with an additional office in Singapore, founded in 2015. It specializes in designing and developing machine learning algorithms to create predictive models that assist financial institutions in making informed credit decisions. The company offers several solutions, including Smartcredit for detailed company information, Smartclaims for automating the deduction claims process, and Tillful, which provides credit scores and access to credit offers. Flowcast's models assess various risk factors, such as a business's ability to repay loans, the likelihood of dilution, and the risk of delinquency. By leveraging proprietary and alternative data, its API-based solutions enable real-time updates and monitoring of borrower risk assessments, providing clear insights into creditworthiness and repayment behaviors. Flowcast serves a diverse clientele, including corporations, financial institutions, and insurance providers.

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.

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 that aids in underwriting decisions, founded in 2014 and headquartered in London, with expansion into the United States. The company offers consumers the ability to obtain their credit scores, facilitating applications for loans and credit cards. In the UK, customers can contact Experian UK for 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 specializes in providing technology solutions for financial services, primarily targeting blue-chip B2B clients. The company has developed a data and AI-based platform that offers a range of services, including digital banking software, credit decision-making tools, analytics, risk management, and regulatory reporting. By integrating these capabilities, Caxe enables clients to enhance their operational efficiency and make informed financial decisions through improved digital sales and distribution strategies.

Clarity Services, Inc. is a consumer reporting agency based in Clearwater, Florida, founded in 2008 and currently a subsidiary of Experian plc. The company specializes in real-time credit bureau services that focus on fraud detection and credit risk management for the under-banked and non-prime consumer segments. Clarity Services offers a growing database of alternative consumer data that is not typically available through traditional reporting agencies, enabling lenders to make more informed decisions and reduce high-risk lending. By providing insights derived from financial activities, Clarity assists businesses in identifying potential risks in consumer transactions and enhances their ability to manage credit offerings effectively.

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. It focuses on delivering commercial credit reports and risk information, enabling businesses to make informed decisions regarding credit and financial risk. By offering these services, Riskdisk supports SMEs in managing their financial health and understanding potential credit risks associated with their operations and partnerships.

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. The company gathers data directly from apartment property management systems on a daily basis to create comprehensive credit files for tenants. This information is utilized by apartment screening services to assist in making informed decisions regarding potential residents. Additionally, RentBureau maintains the National Data Rental Exchange (NDRE), an online database that provides rental histories to apartment owners and managers through a subscription-based membership. The data gathered by RentBureau enhances decision-making within the multifamily housing industry and helps the credit industry identify and support 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 Corporation provides banking process solutions tailored for financial institutions in the United States. The company specializes in cloud-based loan origination software that streamlines origination and portfolio management for various lending types, including business and consumer lending. Its primary product, Baker Hill Advisor, integrates sales management, client profitability, and portfolio management to enhance client relationships. This platform includes several modules, such as Client Advisor, which focuses on client attraction and retention; Exception Advisor, which aids in compliance and exception management; and Portfolio Risk Advisor, designed to help banks mitigate risk and identify cross-selling opportunities. Through its innovative solutions, Baker Hill aims to facilitate growth, reduce risk, and improve overall productivity and profitability for its clients.

Equifax Italy SRL specializes in providing consumer and business information primarily to the financial services sector. The company focuses on delivering insights related to customer real estate data and offers a range of services over the Internet, including transaction processing, direct marketing, and customer relationship management. By leveraging its expertise, Equifax Italy aims to support businesses in making informed decisions and enhancing their operational efficiency in the financial landscape.

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