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Contents

Explaining ExperianMay 2008

Introduction

1.00 Overview of the business1.01 Groupstrategy1.02 Salesbyactivity1.03 Majordatabases1.04 Marketandclientprofile1.05 Financialanalysis1.07 Keydetails

2.00 What we do Credit Services2.03 Consumercredit2.05 Businessinformation2.07 Automotiveservices2.09 Insuranceservices2.10 FARES(FirstAmericanRealEstateSolutions)

Decision Analytics2.13 Creditanalyticsanddecisionsupportsoftware2.21 Fraudsolutions

Marketing Services2.25 Dataanddatamanagement2.31 Researchservices2.33 Digitalservices2.35 Businessstrategies

Interactive2.41 ConsumerDirect2.43 Leadgeneration

3.00 Detailed financial analysis3.01 Salesandprofitbygeography3.03 Salesandprofitbyprincipalactivity3.04 Salesbygeographyandprincipalactivity3.05 Costanalysis3.06 Cashflow

4.00 Main products and services4.00 CreditServices4.01 DecisionAnalytics4.02 MarketingServices4.04 Interactive4.05 Majordatabases

Contents

Explaining Experian

Experianisthegloballeaderinprovidingtheinformationanddecisionanalyticsneededtoexpandconsumerandcommercialcreditinmajoreconomiesaroundtheworld.

Wehelporganisationstofindnewcustomersandtodevelopandmanageexistingrelationshipsbyprovidingdata,decision-makingsolutionsandprocessingservices.Wealsohelpconsumerstounderstand,manageandprotecttheirpersonalinformationandtomakemoreinformedpurchasingdecisions.

Experian’svisionisforitspeople,dataandtechnologytobecomeanecessarypartofeverymajorconsumereconomyaroundtheworld.

Theinformationinthisdocumenthasbeenpreparedsolelyinordertoassistshareholders,customers,suppliersandthepublictounderstandtheExperianbusinessanddoesnotpurporttobeacompleteanalysisoftheExperianbusinessorsetoutalltherisksandbenefitsthatareassociatedwithit.

ThisdocumentisnotintendedtoformthebasisofanyinvestmentdecisionandthoseintendingtoinvestinExperiansharesshouldmaketheirownindependentassessmentofthebusinesspriortomakinganyinvestmentandshouldnotrelyonExplainingExperianinmakingtheirjudgementonwhethertoinvest.

Norepresentationorwarranty,expressorimplied,isgivenand,sofarasispermittedbylaw,noresponsibilityorliabilityisacceptedbyanyperson,withrespecttotheaccuracyorcompletenessofExplainingExperianoritscontents.Inparticular,butwithoutlimitation,norepresentationorwarrantyisgivenastotheachievementorreasonablenessof,andnorelianceshouldbeplacedon,anyprojections,targets,estimatesorforecastscontainedinthisdocument.Experianundertakesnoobligationtoprovideanyadditionalinformationortoupdatethisdocumentoranyadditionalinformationortocorrectanyinaccuracieswhichmaybecomeapparent.

Introduction

1.00OverviewofthebusinessOurbusinessismanagedonageographicbasisacrossNorthAmerica,LatinAmerica,theUKandIrelandandEMEA/AsiaPacific.Wealsocategoriseourbusinessintofourprincipalactivities.

CreditServicesprovidestheinformationneededtoextendcredittoconsumersandbusinesses.Wemaintainlarge,comprehensivedatabasescontainingthecreditapplicationandrepaymenthistoriesofconsumersandbusinesses.

DecisionAnalyticsunlocksthevalueoftheCreditServicesdataandhelpsclientsbyapplyinganalyticaltoolsandsoftwaretoconvertdataintobusinessdecisions.

MarketingServiceshelpsclientstarget,acquireandretaincustomers.Ourlargeandcomprehensivedatabasescontaingeographic,demographicandlifestyleinformationonconsumers.

Interactiveisaninternetmarketingbusinesswithtwotypesofactivity:direct-to-consumer,whichprovidescreditinformationdirectlytoconsumers,andleadgeneration,whichconnectsconsumerswithbusinessesontheinternet.

Explaining Experian 1.00

Overview of the business

1.01 Explaining Experian

Group strategy

Experian’s vision is for our people, data and technology to become a necessary part of every major consumer economy.

Throughourdataresourcesandanalyticalcapabilities,Experianprovidesoneofthebuildingblocksforgrowthinconsumereconomiesaroundtheworld.OurCreditServicesandDecisionAnalyticsbusinesseshelpconsumersandorganisationsobtainaccesstoaffordablecredit,whilebringingincreasedsafetyandsoundnesstobankingsystems.OurMarketingandInteractivebusinesseshelporganisationstoreachnewmarketsandtofindandkeepprofitablecustomers.

Inordertocapitaliseonthemarketopportunitiesavailabletousandtodrivelong-termshareholdervalue,wehavecentredourstrategyaroundthreeelements:

Focusondata&analytics

Driveprofitablegrowth

Optimisecapitalefficiency

Focus on data and analyticsOurcoreexpertiseliesintheownershipandoperationofcomprehensivedatabasesaboutconsumersandbusinesses.Fromtheseweareabletoextractsignificant,extravaluebyapplyingourownproprietaryanalyticsandsoftware.Thecombinationofdataandanalyticsisakeydifferentiator.

Experian’sbusinessesarecharacterisedbytheirmarket-leadingpositions,highbarrierstoentry,globalreachandpotentialforlong-termgrowth,aswellastheirattractivefinancialcharacteristics.

Wearethereforefocusingourinvestmentondevelopingthesecorecapabilitiesinordertobuildmarket-leadingpositionsincreditriskmanagementandhighROImarketing.

Credit-relatedactivities:Growthisunderpinnedbyrapidlyexpandingdemandforsophisticatedanalyticsandsoftwarethathelporganisationstopredictandmanageriskinbothdevelopedandemergingmarkets.Experian’sapplicationsareproventodrivegrowthinthemarketsweserve.

Marketing-relatedactivities:Growthisunderpinnedbytheemergenceofnew,information-richchannelsandbytheincreasingimportanceofhighROIcustomeracquisitionandretention.Thesechannelsarestimulatingdemandformoretargeted,faster,moreeffectiveandmoremeasurablemarketingcampaigns.Experian’scoredataandanalyticsexpertiseprovidethescienceforclientstoexecutebettermarketingcampaigns.

Wearealsotakingadvantageofextensivesynergiesacrossourcreditandmarketingactivities,whereweareabletoleverageasignificantamountofourdatamanagementprocessestoserveclientsinbothareas.

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Drive profitable growthExperian’sgrowthissupportedbyfavourablelong-termdynamicsinourtwoend-marketsofcreditandmarketing.Wehaveexcellentpositionsinthesemarketsandouraimistodriveorganicrevenuegrowthbyleveragingourscaleandfocusingon‘best-in-class’performance.

Ourstrategicframeworkfordrivingprofitablegrowthhasthefollowingcomponents:

Expandourglobalreach:byexpandingourglobalnetworkandextendingourexistingcapabilitiesintonewgeographicandverticalmarkets.

Innovatetostayahead:bypromotingacultureofinnovationandinvestinginnewdatasourcesandenhancedanalyticsthatdeliversignificantvaluetoourclients.

Driveoperationalexcellence:byleveragingourglobalscaleandcommonplatformstoallowustodeployglobalproductsquicklyintonewmarkets.

Optimise capital efficiencyWeaimtouseourstrongcashflowefficientlybycontinuingtoreinvesttoretaincompetitiveadvantageandtomaketargetedacquisitionsthatfitourstrategyandmeetourfinancialhurdles.Weaimtostriketherightbalancebetweeninvestmentforgrowthandreturningcashtoshareholdersviadividendsorsharebuybacks.

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Principalactivities

Sales by activity

Consumercredit

Businessinformation

Automotiveservices

Insuranceservices

Creditanalyticsanddecisionsupportsoftware

Fraudsolutions

Dataanddatamanagement

Researchservices

Digitalservices

Businessstrategies

Consumerdirectservices

Leadgeneration

Credit Services

Decision Analytics

Marketing Services

Interactive

Sales(US$m)1

Percentageofsales

12monthsto31March2008underlyinggrowth2

1 Sales are for the 12 months to 31 March 2008 and exclude discontinuing activities2 Growth excluding discontinuing activities and corporate acquisitions at constant exchange rates

Salesbyactivity

Credit Services

Decision Analytics

Marketing Services

Interactive

1,901

47%

1%

469

12%

7%

830

20%

1%

859

21%

9%


USConsumer credit database:215millionconsumers.

National business credit database:morethan19millionbusinesses.

National vehicle database:morethan500millionvehicles.

INSOURCE database:consumermarketinginformationon215millionconsumersin110millionhouseholds.

BehaviorBank:self-reportedconsumermarketinginformationsubmittedby40millionindividualsand35millionhouseholds.

Z-24 catalogue database:over2.8billioncatalogueordersacross109millionhouseholds.

UKConsumer credit database:45millionconsumers.

National business database:recordson4millionlimitedandnon-limitedactiveUKbusinesses,withover5millioncontactnames.

Limited companies database:over5.2millioncompaniesofwhich2.4millionarecurrentand2.8milliondissolved.Over15milliondirectorshiprecords.

Car Data Check:31millionvehiclesandover90millionDVLAregistrationrecords.

Marketing databases:lifestyledataon8.4millionhouseholdsand14millionindividuals.

Motor insurance database:25millionmotorinsurancepoliciesand30millionvehicles,with1.8milliononlineenquiriesreceivedeachmonth.

Major databases

Market and client profile

Financialservices52%

Direct-to-consumer17%

Retail/homeshopping 10%

Other4%

Publishing/media 2%

Telecom/utility/insurance 7%

Automotive 6%

Government 2%

17%of sales

36%of sales

Top 50 clients

47%of sales

All other elements

Top 10 clients

Sales are for the 12 months to 31 March 2008 and exclude discontinuing activities and Consumer DirectOf the top 50 clients, at least 85% have been doing business with Experian for five years or more

Approximate percentage of sales by vertical marketSales are for the 12 months to 31 March 2008 and exclude discontinuing activities

Marketprofile

Clientprofile


Global

Global

Financial analysis

Geographicsplit2008

Costprofile

2,06151%

71017%

96524%

3248%

EBIT

Labour

Data

IT

Other

Customeracquisition/marketing

Corporate costs

22%

43%

5%

5%

11%

13%

1%

Costs are for the 12 months to 31 March 2008. Direct business only, excluding FARES and discontinuing activities‘Other’ includes other depreciation, occupancy, royalties and voice telecommunications

All analysis excludes discontinuing activities

60861%

22623%

879%75

7%

5,81737%

1,97513%

3,77724%

4,10626%

Sales (US$m) EBIT (US$m) Employees (FTEs)

nNorthAmericanUKandIrelandnEMEA/AsiaPacificnLatinAmerica



Globalpercentageofsales


Salesmix

Sales(US$m)1

Percentageofsales


1 Sales are for the 12 months to 31 March 2008 and exclude discontinuing activities2 Growth excluding discontinuing activities and corporate acquisitions

Credit Services

Decision Analytics

Marketing Services

Interactive

807

39%

0%

82

4%

7%

380

19%

2%

791

38%

5%

North America

Sales(US$m)1

Percentageofsales


1 Sales are for the 12 months to 31 March 2008 and exclude discontinuing activities2 Growth excluding discontinuing activities and acquisitions at constant exchange rates

Credit Services

Decision Analytics

Marketing Services

Interactive

293

30%

1%

247

26%

0%

356

37%

(3)%

68

7%

95%

UK and Ireland

Sales(US$m)1

Percentageofsales


1 Sales are for the 12 months to 31 March 20082 Growth excluding acquisitions at constant exchange rates

Credit Services

Decision Analytics

Marketing Services

495

70%

3%

132

18%

20%

83

12%

11%

EMEA/Asia Pacific


Sales(US$m)1

Percentageofsales


1 Sales are for the 12 months to 31 March 2008 and exclude discontinuing activities2 Growth excluding discontinuing activities and acquisitions at constant exchange rates

Credit Services

Decision Analytics

Marketing Services

305

95%

n/a

8

2%

43%

10

3%

n/a

Latin America

Somemajorclients

AmericanExpressBankofAmericaBarclaysBMWFinancialServicesBNPParibasBootsCapitalOneCarMaxCiticardCommerzbankCoorsBrewersUKCrateandBarrelCréditAgricoleCréditLyonnaisDebenhamsDellDiscover

eBayEggFirstAmericanFordFranceTelecomHBOSHiltonInternationalHouseholdHSBCIBMICICIJCBKohl’sKookminBankLegoLloydsTSBMarks&Spencer

MorganStanleyNationalAustraliaBankNextOrangeProcter&GambleRoyalMailSiebelSociétéGénéraleSomerfieldStaplesTescoToyotaUNICEFWashingtonMutualWestpacYahoo!

Experianoperatesin38countriesandsellstoclientsinover65countriesaroundtheworld

Countries where we have offices:

ArgentinaAustraliaAustriaBelgiumBrazilBulgariaCanadaChileChinaCzechRepublicDenmarkEstoniaFinland

FranceGermanyGreeceHongKongIndiaIrelandItalyJapanMalaysiaMexicoMonacoNetherlandsNewZealand

NorwayPolandRomaniaRussiaSingaporeSouthAfricaSouthKoreaSpainSwedenTurkeyUnitedKingdomUnitedStates

Key details


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UK

US

Credit Services

Consumerbureaux l l l l t l l l l l t l l

Businessinformation l l l l l l l

Automotivedatabases l l l

Insuranceservices l

Decision Analytics

Decisionsupport l l l l l l l l l l l l l l l l l l l l

Applicationprocessing l l l l l l l l l l l l l l l l l l l l

Fraudsolutions l l l l l l l l l l l l l l l l l l l l

Marketing Services

Dataanddatamanagement l l l l l l l l l l l l

Researchservices l l l l l

Digitalservices l l l l l l l l l l l l l l l l l l l l

Businessstrategies:

Micromarketing l l l t l l l l l l l l l

Economicforecasting l l l l l l l l l l l l l l l l l l l l

Interactive

ConsumerDirectservices l l

Leadgeneration l l

l Service offered t Service offered via third party

Keymarketsandsolutions

Keyglobalcompetitors

Credit Services Decision Analytics Marketing Services Interactive

InformationConsumer

DirectLead

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Acxiom l

D&B l l l

Equifax l l l l

FairIsaac l l l

Harte-Hanks l

infoUSAInc l

InteractiveCorp l

TransUnion l l l


2.00Whatwedo

DataAtthecoreofExperianarecomprehensivedatabasesofcreditandmarketinginformationonconsumersandbusinesses.Thesedatabasesarederivedfrombothpublicandprivatesourcesandcontainextensive,highqualityinformationwithconsiderablehistoricaldepth.OurcomprehensiveportfolioofdataismaintainedandownedbyExperianandoffersagreaterbreadthofinformationthananysinglecompetitor,makingusapartnerofchoicetomanyclients.

DecisionsBuildingonthisfoundationofdata,Experianusesproprietaryanalyticaltoolstohelpclientsturnrawdataintocriticaldecisionsinatimelyandconsistentmanner.Ourtoolsalsohelpconsumerstomakefasterandmoreinformedfinancialandpurchasingdecisions.

DistributionExperiansellstoclientsinmorethan65countriesaroundtheworldandhasofficesin38countries.Wealsoserveclientsinmanydifferentmarkets,includingthefinancialservices,retail,telecommunications,automotiveandpublicsectors.Thisbroaddistributionplatformisunmatchedwithintheglobalinformationsolutionsindustry.


What we do

What we do : Credit Services

Credit Services acquires, processes and manages comprehensive databases containing the credit applications and repayment histories of consumers and businesses. Using proprietary search and match systems and application software, we deliver a wide variety of credit reports and reporting services on consumers and businesses to our clients. This helps them to lend profitably to their customers, and to maximise revenue and minimise risk. Other activities include Experian’s real estate information joint venture called FARES and our automotive and insurance databases.


What we do : Credit Services : Consumer credit

Experian’s goal as a consumer credit reporting agency is to help lenders make better informed lending decisions and to make it quicker and easier for consumers and small businesses to obtain finance. When a consumer applies for credit, lenders usually contact a credit reporting agency for a consumer credit reference check to confirm the person’s identity and creditworthiness. Lenders use this information to manage the risks associated with lending money, such as determining whether to offer loans, setting credit limits or assessing accounts that are in default.

Overthepastfourdecades,Experianhasdevelopedcoreexpertiseinacquiring,processing,managingandoperatingverylargeandcomprehensivedatabases.Thesearethefoundationofourconsumercreditbusiness.Experianoperates15consumercreditbureauxacrosstheworld,maintaininginformationonover400millionconsumers.IntheUS,ourconsumercreditbureaumaintainsverydetailedhistoricalinformationonhowover215millionadultconsumershavefulfilledtheirpastandcurrentcreditobligations.TheUSconsumercreditdatabaseisrankedbyindustryanalystsasoneofthelargestdatabasesintheworldandincludesover10billionlinesofdata.InadditiontotheUS,Experianmaintainsconsumercredithistoriesonover260millionconsumersintheUK,Brazil,Spain,Italy,Norway,Denmark,Netherlands,Ireland,SouthAfrica,Bulgaria,Russia,Romania,EstoniaandCanada.ExperianalsolicensesproprietarycreditbureausoftwaretoorganisationsinTurkey,Kuwait,SaudiArabia,Nigeria,KenyaandPakistanforthedevelopmentandoperationofindependentlyownedcreditbureaux.

Acreditreportingagencyisanindependentbrokerofinformation,providedeitherbylendersorsourcedfromthirdparties.Thisdatavariesbycountry,buttypicallymayinclude

creditaccountinformation,whichisprovidedbylenderstoallowthemtoaccesseachother’scredithistoryinformation.Typicalexamplesofcreditaccountinformationaremortgages,personalloans,creditandchargecards,mobilephoneaccountsandrentalinformation;

courtjudgmentsortheirequivalentforthecountryofoperation;

bankruptcyinformation;

informationonrepossessions;

informationprovidedbythefinancialservicesindustryonsuspectedfraudulentapplications;

previousandforwardingaddresses;

associationandaliasinformation;

collectionsdata;

electoralrollrecords.

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Tocheckaconsumer’scredithistoryandstoreinformationwithacreditreferenceagency,acompanymusthavealegitimateneedorpermissiblepurposeforaccessingthedataandmustnotifytheapplicantoftheirintentiontocontactacreditreferenceagency.IntheUK,acompanymustholdaconsumercreditlicence(typicallyheldbybanks,buildingsocieties,financehouses,majorretailersandtelephonecompanies).IntheUS,permissiblepurposesforaccessingaconsumercreditreportaredefinedbyfederallaw.Thelawsofeachcountrywillvaryinrespectofthehostingofsuchdataandaccesstoit.

Experiandoesnotmakelendingdecisionsorofferanycommentoradviceonparticularapplications,butsimplyprovidesfactualinformation.Lendersthenusethatinformation,ofteninconjunctionwithotherinformation,suchasthatincludedinanapplicationformorinanypreviousagreementswiththeapplicant,tohelpdecidewhetherornottolend.

Aswellascreditreports,clientscanalsouseExperian’ssuiteofnotificationservicestodrivetheirmarketing,riskandretentionprogrammes.Thesuiteincludes:

Risk triggers,whichprovidedailynotificationofchangesinacustomer’screditbehaviour,includingnewdelinquentaccountinformation,newpublicrecordfilingsorothernegativecreditinformation.Itenablesclientstotakequickactiononpotentialhighcreditriskaccounts.

Marketing triggers,whichprovidedailynoticesofcredit-activeconsumerswhoaremostlikelytorespondtospecificpre-approvedcreditoffers.

Retention triggers,whichidentifycustomerswithinaclient’scustomerbasewhohavestartednewcreditaccountrelationshipsormadenewinquiries.Ithelpsclientsunderstandtheongoingcreditactivitiesoftheirmostprofitablecustomers.

VantageScoreSMhasbeendevelopedjointlybythethreenationalcreditreportingcompanies,withtheaimofdeliveringconsistent,objectivecreditscoresonconsumersfromacrosstheirrespectivedatabases.

VantageScorewasdevelopedasadirectresultofclientdemandforamoreconsistentandobjectiveapproachtocreditscoring.

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SerasaisthefourthlargestcreditbureauintheworldandmaintainsthelargestdatabaseinBrazilcomprisedofinformationon161millionindividualtaxpayers(consumers).Creditinformationiscurrentlynegativedataonlyandincludespublicrecorddatasuchasbankruptciesandcollectionsuites,bouncedchequesanddefaults.

Coreconsumercreditproductsinclude:

Credit Bureau:ThemostcomprehensiveBrazilianreportonconsumers.Itisasolutiontohelpcompaniestomitigaterisk,increaseprofitabilityandimprovetheircreditandbusinessdecisionswithconsumers.

Concentre Consumer:Informationonindividuals’creditorcomposition,bankruptcies,collectionsuites,bouncedchequesanddefaults.

PEFIN/REFIN:Informationonconsumerswithpastduedebtswithfinancialinstitutionsandothercompanies.

ACHEI-Recheque:LargestdatabaseinBrazilonconsumerswhoissuebounced,suspended,stolen,lostorcancelledcheques.

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Scorings:Customerscoringrisktoindicatedefaultprobabilityinacertaintimeframe.

Benefits of consumer credit reporting:Underpinseconomicgrowthbyprovidingtheinformationandtoolsnecessaryforextendingcredittoconsumersandbusinesses.

Helpsconsumersobtaincredit,whereappropriate,quicklyandconveniently.

Helpslendersestablishanapplicant’screditworthinessandgrantcreditpromptly,whereappropriate.

Keepsinterestcostslowerthantheywouldotherwisebe,aslenderscanmakeallowancesforbaddebtrisks.

Helpscombatfraud.

Enablesconsumerstoobtainacopyoftheirconsumercreditfileatanytimetounderstandwhatinformationthecreditreferenceagencyholds.

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The clientKohl’sDepartmentStoresoperatesfamily-orientedstoresthatfeaturequalityexclusiveandnationalbrandmerchandisepricedtoprovidevaluetocustomers.Theirstoressellclothes,footwear,accessoriesandhomeproductstargetedtomiddle-incomecustomersshoppingfortheirfamiliesandhomes.Kohl’soffersaconvenientshoppingexperiencethrougheasilyaccessiblelocations,welllaid-outstores,centralcheckoutsandagoodin-stockpositionwhichallowsthecustomertogetinandoutquickly.

The issues/challengesKohl’swassearchingforabusinesspartnertoprovideconsumercreditdataforallaspectsoftheirretailprivatelabelcreditcardbusiness.Thecompanywantedtoutiliseacustomsolutionthatfocusedonitsbusinessneedsandobjectives.Inaddition,itrequiredquality,accurateandtimelyconsumercreditdatatomanageitscreditdecisioningprocess,approvalratesanddelinquencieswhilemaintainingasuperiorcustomersatisfactionrating.

The solutionKohl’sselectedExperianasitsprimarysourceforallconsumercreditdata.WithExperian’scustomsolutions,itwasabletoutiliseExperian’screditdataforaccountacquisition,accountmanagementandcollectionsprocesses.Inaddition,Kohl’susedExperian’saccountreviewandnotificationservicesforaccountmanagementpurposes.

ByselectingExperianforitsconsumercreditdataneeds,Kohl’shasachieveditsdesiredbusinessresultsforitsprivatelabelretailcreditcardbymeetingitstargetsforapprovalrates,delinquencyratesandcollections.

Kohl’shasrecentlydecidedtocontinueitspartnershipwithExperianforanothertwoyearperiod.

Case studyMajor US retailer selects Experian for its consumer credit data


What we do : Credit Services : Business information

Experian owns nine business credit bureaux across the world, maintaining information on about 30 million businesses, typically small to medium-sized enterprises. We help clients by providing them with industry-leading data to assist them in making credit and marketing decisions. Experian owns and operates business credit bureaux in the US, UK, Brazil, China, Italy, Denmark, Norway, Estonia and Ireland.

AbusinessinformationreportcontainspubliclyavailableinformationfromlocalornationallyavailablesourcessuchasCompaniesHouseintheUKorpublicrecordfilingsintheUS,togetherwithotheravailablesourcesofinformation.

Experian’sbusinessinformationisavailableinvariouslevelsofdetail,withdeliverybyanumberofmechanisms,includingtheinternet.

Aspartofatypicalreport,theuserwillreceivesomeorallofthefollowing:

companyregistrationandincorporationdetails,companynumberandregisteredaddress;

ownershipdetailsandprincipalactivityofthecompany;

tradingaddressesandphonenumbers;

names,homeaddresses,nationalityofcompanydirectorsandcompanysecretary(outsideofUS);

paymentbehaviour(uptoa12-monthhistoryofhowquicklythebusinessispayingitsbills);

CommercialDelphi(International)orCommercialIntelliscore(US)–acompanycreditriskscoreandrating;

SmallBusinessIntelliscore(US),whichcombinescommercialandpersonalinformationonabusinessanditsowner;

anynegativeinformationsuchascountycourtjudgments,winding-uppetitions,taxliensandUniformCommercialCodefilingsorbankruptciesintheUS;

turnover,profitandlossandbalancesheetinformation(UK–uptotenyearshistorywhereavailable).

USNational Business Credit Database:morethan19millionbusinessrecordswithover200summarisedcreditattributesavailable.

Public Record Extract:approximately30millioncreditrecordsfromstateandfederalpublicrecords.Thisprovidesuserswithaccesstocorporaterecords,fictitiousbusinessnames,bankruptcies,taxliens,judgmentsandUniformCommercialCodefilingsfordirectmarketingpurposes.

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UKLimited Companies Database:adynamicversionofpublicrecordinformationonover5.2millionUKlimitedliabilitycompanies,includingdetailsofpaymentbehaviour,creditinformationandriskassessments.Theresultisacomprehensiveup-to-dateanalysisofthefinancialandtradingperformanceofUKcompanies.

Directors Database:personaldetailsonallUKCompanyDirectorsandSecretaries;current/previous/dissolveddirectorships,secretaryshipsandpartnerships;convictions;disqualifications;plusfullconsumerdetails.

National Business Database (NBD):isacomprehensivedatabaseofbusinessinformationcompiledspecificallyforB2Bmarketingpurposes.TheNBDcanhelpbusinessesgetthemostoutoftheirmarketingbudget.Databasesolutionsincludetargetedprospectsandintegrateddirectmarketingcampaigns,databasemanagementandcustomerinsight.

Non-Limited Company Database:avaluabledecision-makingtoolforevaluatingthetrackrecordofsmallbusinessesandmakinginformedriskmanagementdecisions.Byprovidinginsightintothefinancialbackgroundandpaymenthistoryofasmallbusiness,alongwithrelevantpersonalinformationonitsproprietors,thedepthofExperian’snon-limitedinformationisextensive,withinformationonover2.9millionUKsmallbusinesses,partnershipsandsoletraders.

BrazilSerasamaintainsthelargestandmostcomprehensivedatabaseinBrazilwithinformationabouthowbusinessesofallsizesmanagetheircreditobligations.SerasamaintainsinformationonvirtuallyallbusinessesinBrazil,about9millioncorporatetaxpayers,anddataincludesinformationsuchaspublicrecordinformationincludingbankruptcies,collectionsuites,bouncedcheques,andcreditobligationsandpaymentbehaviour.

Corebusinesscreditproductsinclude:

Relato:Fullreportonbusinessbehaviourincludinginformationonpaymenthabitsandfraudalerts.

Credit Rating:fullreportoncompany’screditrecord,economic,financialandbehaviouralinformationandcreditriskrating.

Concentre Business:Informationonbusinessesincludingcreditorcomposition,bankruptcies,collectionsuites,andfinancialpendingmatters.

PEFIN/REFIN:Informationonpastduedebtswithfinancialinstitutionsandothercompanies.

Serasa Solution SMEs:consistentreliableinformationaboutsmallbusinessesforcreditgrantinganddoingbusinesswiththesegment.

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The clientTheclientispartofalargecommercialfinancecompany,agloballeaderindevelopingandprovidingfinancialsolutionsandservicestoequipmentmanufacturers,distributors,dealersandtheirendusers.

The issue/challengesTheclientwantedtoshortenitsturnaroundtimewhenscreeningapplicationsforleasefundingwhileatthesametimeimprovingthequalityofthedecisionsthatweremade.

The solutionExperian’sCommercialLeaseDecisionScorewaschosenbecauseoftwokeyattributes.Firstly,Experiandevelopedanindustry-specificleasingriskmodelthatwasanidealfitfortheclient.Secondly,CommercialLeaseDecisionScorewasavailableviamainframedelivery,whichmeantthatitcouldbeinstalledwithintheclient’sautomatedcreditapplicationprocess.

Theclient’sautomateddecisioningsystemretrievesanExperianCommercialLeaseDecisionScoreandintegratestheriskscoreintotheclient’sdecisionmatrixthatgenerateseitheranapprovalforaspecificmonetaryamountorareferraltoacreditanalystforindividualattention.

TheCommercialLeaseDecisionScoreenablesfaster,accurateandconsistentdecisions,savingtheclienttimeandimprovingcreditquality.

Case studyTaking the risk out of commercial leasing


IrelandregistrationdetailsonregisteredIrishcompanies;

financialinformationonover100,000registeredIrishcompanies;

detailsofregisteredjudgmentsagainstbusinessessince1991;

detailsofdirectorsofcompaniesinIreland;

registrationdetailsofbusinessnamesinIreland.

Italyintegrateddatabaseofpublicpositiveandnegativeinformation(fromCourts,ChambersofCommerceandLandRegistryoffices),withmorethan19millionrecordsregistered;

ItalianChamberofCommercedataoncompanies(reports,balancesheets,companystructure,judgments,administrators’files);

realestatedata–morethan1.5millionreportsonItalianproperties.

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Denmarkregistrationdetailson550,000Danishcompanies;

registrationdetailsondirectorsandboardmembersofDanishcompanies;

financialdataon170,000registeredDanishcompanies.

Norwayregistrationdetailson750,000Norwegiancompanies;

uniqueregistrationdetailsonmanagingdirectorsandboardmembersofNorwegiancompanies;

financialdataonalllimitedcompaniesthathavebeeninbusinessformorethan12months.

Estoniaregistrationdetailson150,000Estoniancompanies;

registrationdetailsondirectorsandboardmembersofEstoniancompanies;

financialdataon64,000registeredEstonianlimitedcompanies;

registerforbadpayers.

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What we do : Credit Services : Automotive services

Experian provides vehicle history information in the US, UK, Holland and Italy to help manufacturers, dealers, finance providers, insurers, auction houses, government agencies and consumers to understand the risk associated with any given vehicle.

Ourvehiclehistoryinformationisusedtoestablishwhetheravehicleiscurrentlyregisteredasstolen,hasoutstandingfinanceorhasbeenregisteredasawrite-off.Avehiclehistorycheckcanalsohelpestablishthemarketvalueofavehicle,whetherornotthevehiclehaschangedownersorbeenimportedandtheaccuracyoftheodometerreading.

Fraudulentrepresentationofusedvehiclesposesasignificantriskforconsumersandapotentialliabilityfordealers,financeprovidersandinsurers.IntheUS,around40%ofallvehiclesthataredeclaredatotallossorwrite-offareeventuallyrebuiltandputbackontheroad,oftenindifferentlocations,makingitverydifficultforthebuyerorsellerofavehicletodetectthefraud.

SomeofthevariouselementsthatanExperianvehiclehistoryreportmayfeature(dependentoncountrylocation)are:

valuationbasedontheage,typeandmileageofthevehicle(UKonly);

make/model,notedmileage,yearofmanufacture,colour,dateofregistrationandenginenumber;

numberofpreviousvehicleownersanddateoflastchange;

mileagefromodometerreadingstoidentifypossiblemileagediscrepancies;

detailsofoutstandingfinanceonthevehicle–evenifthenumberplateshavebeenchanged;

damagefrommajoraccidentalongwithclassificationcodeofdamage(UKonly);

fleetinformation–whetheravehicleisknowntoberented,ataxi-caboracompanyvehicle(USonly);

forfeitureinformation–whetheravehiclehasbeenabandonedorrepossessed(USonly);

theft–reportedlost/stolenorrecoveredfromtheft;

CO2emissions.

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Benefits of using a vehicle history report:Helpsconsumersdiscoveranyadverseinformationtoassisttheminmakinganinformedbuyingdecision.

Helpsdealershipsreducerisk,bothfinanciallyintermsofmakingasoundinvestmentandlegallyintermsofcompliancewithlegislation.

Helpsfinanceinstitutionsandinsurersreducefinancialriskbyprovidingspecificvehiclehistory.

Helpsprovideauctionhouseswithfulldisclosureatauction,enablingqualitystandardstobemaintainedandincreasingresidualresalevalue.

Helpsgovernmentbodiesassistlawenforcementintrackingvehicles.

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The clientCarMaxisthelargestretailerofusedcarsintheUSandcurrentlyoperates80usedcarsuperstoresin38markets.

The issues/challengesToimprovethecustomerbuyingexperienceandincreasebuyerassurance,CarMaxwantedtoprovideaccurateandtimelyinformationonthehistoryofavehiclethroughasolutionthatcouldbeeasilyintegratedintothecompany’sonlineinventoryanditsrigorouson-sitevehicleinspectionprocess.

Utilisingitsexperiencewithintheindustry,ExperianAutomotiveworkedcloselywithCarMaxtohelpthemimplementsolutionsthatwouldmeetbothitsneedsaswellasthoseofitscustomers.Thisincludedprovidingaccesstothemostup-to-dateinformationonavehicle’shistorywhichwouldalsorevealanypossibleundisclosedorunknownproblemsthatcouldaffectanautomobile’ssafetyandresalevalue.CarMaxAutoFinancealsoutilisedExperian’scollections,fraudprotectionandcreditsolutionstoevaluateacustomer’screditandpairthemwiththebestfinancingoption.

The solutionExperianAutomotive’sAutoCheckvehiclehistoryreportshavebeenadoptedaspartofCarMax’scomprehensiveinspectionprocessforallvehiclestheysellintheiroutlets.ExperianAutomotive’sAutoCheckFreeLinkservice,hashelpedCarMaxtobuildbuyerconfidenceandprovideaddedpeaceofmindbyofferingfree,customisedvehiclehistoryreportsonover25,000availablevehicles.

Inaddition,CarMaxAutoFinanceusesExperian’sCollectionReporttohelpreducelabourcostsforcriticalaccountmanagementpracticessuchaslocatingadebtorordebtcollection.ThefinancehousealsousesExperianCreditReportstoevaluateconsumercreditandassessriskfornewandusedvehiclefinancing,andExperian’sFraudShieldSMtoassessbothcreditriskandgainafullperspectiveonanaccount’sfraudorpotentialfirst-paymentdefaultrisk.ThishashelpedCarMaxtoreducethelabourcostsassociatedwithprioritisingandpursuingerrantdebtors.

Case studyExperian’s Autocheck vehicle history reports help build buyer confidence


What we do : Credit Services : Insurance services

Experian’s insurance services in the UK provide dedicated sales, account management, systems and business consultancy service teams, who work with insurance organisations to deliver comprehensive information solutions for marketing, underwriting, risk assessment, claims handling and fraud prevention and detection.

Therangeofservicesenablesinsurerstotargetnewcustomersmoreprecisely,improvepricingaccuracy,preventfraud,reducecostsandbuildmoresuccessfulcustomerrelationships.

AnumberofdatabasesandserviceshavebeendevelopedortailoredspecificallybyExperianforinsuranceorganisations.

Claims and Underwriting Exchange (CUE):UKinsuranceindustryshareddatabasesofhousehold,motorandpersonalinjuryclaims.Thisdataisusedatallstagesofthecustomerlifecycle,fromquotationandpolicyacceptance,throughtorenewalandclaim.Insurersbenefitfromfraudpreventionthroughtheidentificationofnon-disclosureandconcurrentclaimactivitywithotherinsurers,improvedcustomerservicethroughreducedcalltimeandconfirmationofclaimshistoryandmoreaccuratepricing.

Motor Insurance Database (UK):ExperianoperatestheMotorInsuranceDatabase,aUKmotorinsuranceinitiativetocombatuninsureddriving,onbehalfoftheMotorInsurers’Bureau.TheMotorInsuranceDatabaseholdsdetailsonallUKinsureddrivers,covering25millionprivateinsurancepolicies,30millionprivatevehiclesandover4millioncommercialvehicles,withallmotorinsurersrequiredtosupplyinformation.Thedatabaseiscentraltothefightagainstuninsureddrivingandreceivesaround75,000enquiriesadayfromthepolice.

Perils:datamodelsprovidingratingandgeographicalinformationonsubsidence,theft,wind,coastalandriverflooding,freezeandfiretoassistinsurersintheratingprocessandverifypricing.Forclaims,Perilsdatacanhelpassesspotentialfraudandanalyseandvalidateclaims.

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Unclaimed Assets Register (UAR):adatabaseofoverfivemillionownersofunclaimedfinancialassets.TheUARhelpsfinancialinstitutions,suchasinsurers,pensioncompanies,unittrustsandlistedcompaniestoaddresstheissueoflostcustomersandgone-awayinvestorsbyprovidingsophisticatedelectronictracingandacentralrepositoryforownersofunclaimedinvestments.TheUAR’ssearchservicehelpsconsumersandprobateprofessionalsrecoverlostinvestments,suchaslifepolicies,pensions,unittrustsandsharedividends.

Existence Verifier:adatabasetoassistthepensionindustryindeterminingthelikelihoodofpensionersbeingdeceasedinordertoidentifyandceaseoverpayments.InformationfromtheOfficeofNationalStatisticsisenhancedwithExperiandatatoprovideaneffectiveverificationprocessforpensionschemesandannuityproviders.

Vehicle provenance/history checks:advancedvehicleidentityandprovenancesystems,containingdetailsofallregisteredvehicles(marketedasCarDataCheckthroughtheAAintheUKandAutoCheckintheUSandItaly).Thesesystemsarewidelyusedinthemotorinsurancequotation,underwritingandclaimsprocesses.Electronicallyavailablevehicleinformationinstantlyconfirmsavehicle’sidentityandhighlightsanyinconsistencies.Benefitstoinsurersincludeminimisingfraudanddatainaccuraciesandincreasedefficiencythroughreducedcalldurationandbettercustomerservice.

Inadditiontoitsspecialistinsuranceservices,manyproductsfromExperian’swiderportfolioprovidesupporttotheUKinsurancemarket.

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What we do : Credit Services : FARES (First American Real Estate Solutions)

In December 1997, Experian contributed its US property database businesses into a joint venture with First American Corporation. The joint venture, known as First American Real Estate Services (FARES), is a subsidiary of First American Corporation (NYSE – symbol FAF) and is 20% owned by Experian. Experian accounts for FARES as an associate, showing its 20% share of FARES profits but no sales.

FirstAmericanCorporationspecialisesinofferingmortgagelendersalloftheinformationrequiredtounderwritemortgageloansintheUS.Thisincludestitleinsurance,whichinsuresagainsttheriskthatanewlyacquiredpieceofpropertyhasadefectivetitle,suchasanundiscoveredtaxlienoraforgeddeed.FARESformsthemajorpartofFirstAmerican’sInformationTechnologydivision.

ProductsandservicesoftheFARESjointventureFARES’aimistooffera‘one-stopshop’forinformationrequiredonpropertytransactions(includingre-financing).Theinformationisnormallyprovidedtomortgagelenders,ratherthantothosepurchasingtheproperty.Servicesinclude:

MortgagecreditinformationthroughFARES’c.30%ownershipofFirstAdvantageCorporation(FADV).

Taxmonitoring:FARESadvisespropertymortgagelendersofthestatusofpropertytaxpaymentsdueonrealestatesecuringtheirloans(i.e.whethertheyhavebeenpaidornot).

Floodcertification:FAREShasafloodreportingdatabase,givingdetailsofallreportedinsuranceclaimsresultingfromflooddamage,enablingittocertifywhereapropertyisnotatmaterialriskfromflooding.

Propertyvaluations:thesecanbeeithermanual(basedonanappraiservisitingtheproperty)orautomated(usingFARESdatabaseinformationonthesizeandlocationoftheproperty).

Mortgagedocumentpreparation.

Propertyinspections:thisisthephysicalinspectionofpropertiesintheforeclosureprocess.

SourcesofdataPropertydataiscollectedfrompublicsources(e.g.county/municipaltaxassessorandrecorder’soffices)andfromcommercialandprivatesources,whichenhancethedatawithdemographics,propertycharacteristicsandamenityinformation.Thenationalcoverageextendsto85%oftheentirerealestateactivityintheUS,withdataon100millionpropertiesupdatedannuallyandanaverageoftwomillionpropertyandmortgagetransactionseachmonth.

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DatacontentThedatabaseincludesthefollowingtypesofdata:

completeownernameandaddress;

propertylocationinformation;

detailedpropertycharacteristicinformation,whereavailable;

salesandtransferrecords,arm’s-lengthtransactions,nominaltransfers,foreclosuresanddeedstotrust;

mortgagefinancingrecords;

taxassessormaps.

CoreLogicInFebruary2007,FirstAmericanmergedtheFARESbusinesswithCoreLogicSystemstoexpandfurtheritsmortgageriskanalyticsbusiness.ThemergerismajorityownedbyFARESandcreatesasingleunifiedcompanywithuniquedataandpredictiveanalyticsthatlenders,investorsandconsumersneedthroughoutthemortgageprocess.

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What we do : Decision Analytics

Decision Analytics unlocks the value of Experian’s vast Credit Services data assets and other data sources by applying analytical tools, scoring, software and systems to convert data into valuable business decisions. Decision Analytics offers two key services: credit analytics and decision support software and fraud solutions.

Decision Analytics’ products are used by multinational clients to standardise their operations around the world and are often used as the key method of entry into new geographic markets. They are a significant growth opportunity for the business because of their potential for global reach and their position at the forefront of product development and innovation.

Decision Analytics’ tools can utilise a client’s data or other third party data and operate most effectively when using Experian’s own credit data.


What we do : Decision Analytics : Credit analytics and decision support software

Experian has developed a global expertise in statistical analysis and scorecard development to enable clients to make consistent, high quality and efficient decisions about credit risk, customer marketing and account management. Its products fall into four main categories:– Scoring– Strategy Management– Strategy optimisation– Application processing

ScoringStatisticalanalysisofdataisusedtodefinethecharacteristics(variables)thataremostpredictiveofaconsumer’sfuturebehaviour.Ascorecardtypicallycontainsalistof15-20characteristicseachofwhichisassignedpointsthatreflectwhetheritisapositiveornegativeindicatoroffuturebehaviour.Usually,thecharacteristicsthatareassociatedwithhighriskresultinanapplicantlosingpoints,whilethoselinkedtolikelygoodperformance(numberofaccountspaidontime,forexample)willgainpoints.Whenthepointsforallthecharacteristicsareaddedtogether,theresultisthefinalscoreforeachindividual.

Thisfinalscoreisjudgedagainstapre-setrangethatthelenderhasdeterminedisanacceptablerisk,basedontheratiosofgoodaccountstobadaccounts.Acreditcut-offscoreisthelowestacceptablefinalscore.Anyapplicationsthatscorebelowthisarerejectedorareofferedaproductwithdifferentpricingandterms.Thereisnotusuallyonesinglecharacteristicthatwouldcauseanapplicationtoberejected–thescorecardbalancesallelementsanditistheoverallpicturethatcounts.

Typesofscoringmodelsavailableinclude:

Application scoringmodelsareusedbylendersatthetimeofissuinganewcreditarrangementtoassessthestatisticalprobabilityoftheaccountfallingintoarrearsinthefuture.Scoringenableslenderstoidentifycorrectlythequalityofanapplicantagainsttheirowncriteriabeforechoosingwhethertoacceptordeclinetheapplication.

Behavioural scoringisusedthroughoutthecustomerlifecycletohelplendersassessacustomer’ssuitabilityforadditionalproducts,basedontheirpreviousaccountpaymenthistoryandcreditbehaviour.

Credit risk scoringusespreviouspaymenthistorytopredictthelikelihoodoffuturecreditrisk.Creditriskscoringhelpsreducethenumberoflowquality,high-riskcreditapplicantsthatwouldpreviouslyhavebeenacceptedbythelender.Creditriskscoresarealsousedtohelpsetpricingandtermsfornewcreditoffers.

Credit marketing responsescoresareusedtopredictthelikelihoodofaconsumerrespondingtoanewofferofcredit.

Experianalsooffersbespokedecisionsupportsoftwaretoenableclientstoprocessapplicationsmoreefficientlyandtoimplement,manageandoptimisecustomerstrategies.

Benefits of using scorecards for organisations:unbiasedanalyticalassessment,notreliantonanindividualjudgment;

decisioningisconsistentwheneverandwhereveritisapplied;

providesthelenderwithimprovedcontroloveracceptancelevelsandbaddebtlevels;

reducesbaddebtstypicallyby15%-30%overtraditionalsubjectivedecisioning.

Benefits of using scorecards for consumers:applicantsaretreatedequallyandarenotsubjecttothepersonalviewsofcreditunderwriters;

offersmadearerelevantandtargeted;

creditworthyapplicantsaremorelikelytohavetheirapplicationsaccepted;

byscreeningoutthoseaccountsmostlikelytogobad,companiescanexpandthenumberofotherapplicationsthatareaccepted;

bycontrollingbaddebts,companiesarekeepingcostsdownandthusinterestrates,makingproductsmoreaffordable.

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StrategyManagementExperian’sStrategyManagementsolutionshelpleadingcompaniesaroundtheworldtomakemoreintelligent,fasterdecisionsaboutwhethertoacceptnew(andunknown)customers,extendthecreditarrangementsforexistingcustomersortargetthemwithnewproducts.

StrategyManagementisusedateverypointoftherelationshipwithacustomer,fromfirsttargetingandacceptingthecustomerintotheorganisation,tomonitoringtheirperformanceanddeterminingwhenwouldbethebesttimetoofferneworadditionalproducts.Intheeventthatanaccountfallsintoarrears,StrategyManagementcandefinewhatprocessestoadoptinmanagingtheaccountthroughtocollectionsandrecovery,includingsuggestingappropriatefollow-upactionsateverystageoftheprocess.

OneofthekeyfeaturesofExperian’sStrategyManagementsolutionsisthatfromtheirownPC,clientscandesignandtestnewstrategies.Bysegmentingcustomersbasedonsimilarcharacteristicsandapplyingscorecardsforarangeofobjectives,anorganisationcanaccuratelyassessanindividualagainsttheirobjectivesandmaketherightdecisioninordertoachievetheirgoals.StrategyManagementsolutionsmaybeintegratedwithapplicationprocessing,marketingorcustomermanagementsystems.Theymayalsooperateindependentlyinanorganisationtoguidestrategyandpolicydecision-making.

TypicalusersofExperian’sStrategyManagementsolutionsincludecreditriskunderwriters(makingthedecisionsaboutwhotolendto),creditmarketers(decidingwhichvariationofaproducttoofferagivenapplicantorexistingcustomerandonwhatterms)andcreditriskmanagers(decidingonthemixofapplicantsforthecompanytobalancefinancialriskandreturns).

Benefits for a credit-issuing organisation:increasethenumberof‘accepted’creditapplicationswithoutincreasingfinancialrisk;

reduceoriginationcosts;

generatecustomerloyaltybyprovidingrapidandtailoreddecisionsforeachindividual;

providegreaterspeedandcontrolinthedevelopmentanddeliveryofcustomeracquisitionandcustomermanagementstrategies;

ensureconsistencyofrulesandstrategiesdeployedthroughoutabranchnetworkandovermultiplegeographies.

Benefits for a consumer:fasteracceptanceofcreditapplications;

bettercustomerservice,withquickeracceptanceandmoretargetedmarketingoffers;

notreliantonsubjectivedecisionsofindividuals.

StrategyoptimisationExperian’sStrategyOptimisationhelpsleadingcompaniesaroundtheworldmakethebestdecisionsabouteachaccountinaportfolioinordertoyieldthehighestprofitandreturnoninvestment.

StrategyOptimisationmaximisesprofitandreturnoninvestmentbyidentifyingthemostprofitabledecisionforeachandeverycustomerinteraction.Experian’soptimisationtechnologyusespatentedmathematicalalgorithmstocalculatethesedecisionsacrossportfoliosoronarecurringbasissuchasisrequiredinapplicationprocessing.

StrategyOptimisationcanbeusedateverypointoftherelationshipwithacustomer.Theoptimisationtechnologycanbedeployedstand-aloneorwithinExperian’sStrategyManagementsolutionstoensureanefficient,integratedandsuperiordecisioningsolution.

Benefits for a credit-issuing organisation:maximisesprofitabilityandreturnoninvestmentforeverycustomerinteraction;

flexible,easytousesoftware;

abilitytoarbitrateacrosscompetingbusinessgoals,objectivesandoperationalconstraints;

robustsimulationanddecisionplanning.

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The clientHSBCisoneoftheworld’slargestbankingandfinancialservicesorganisations,withover125millioncustomersin82countries.

Everyday,HSBCmakesmillionsofdecisionsinthemanagementofitscustomers’accountsandapplications.Itmaybetoauthoriseapaymenttofacilitateaninternetorin-storepurchase,toconsideranapplicationforaneworincreasedcreditlimit,todeterminethemostappropriateproducttooffer,ortodecidewhetheracustomercanaccessmoneyfromacashmachine.

The issues/challengesTheabilitytomakethosedecisionsquicklyandaccuratelyiscriticaltothesuccessofHSBC’sdifferentdeliverychannelsandoperationsaroundtheworld.Justasimportantisthateachdecisionismadeinatimely,consistentandfairmanner,wherevertheyaremadeandwhateverthecircumstances.

The solutionFacedwithincreasinglycomplexrequirementsandcustomerdemands,HSBCchoseExperian’sStrategyManagementsoftwaretoassistinthedeliveryofmission-criticalsolutions.StrategyManagementisasophisticatedbusinesstool,usedbyover600organisationsworldwide,thatenablesorganisationstoautomateorsimplifylargevolumesofdecisions.Itdoesthisbyassessingrelevantinformationandcustomerrequestsagainstawidearrayofregulatory,businessandcommercialrequirementsandobjectives.

“Experian’sStrategyManagementsolutionwillbecomeanintegralpartofourglobalbusiness,”explainsChrisHawkes,HeadofGroupRetailCredit&RiskatHSBC.“Itisenablingustoachieveconsistencyindecision-makingacrossHSBC’sdiverseoperations,whilstimprovingthespeedandqualityofourdecisions.Forourcustomers,itmeansthatwecanprovidequickerdecisions,offerawiderrangeofproductsandprovideoptionsthataremorerelevanttotheirparticularneedsandcircumstances.Inshort,itisanessentialcomponenttodeliveringhighqualitycustomerservice.”

“Oncewehaverolleditoutfullyacrossourbusiness,StrategyManagementwillbehelpingusmakethebillionsofdecisionsweneedtomakeeachyear.”

ExperianandHSBChavealongstandingrelationshipspanning21yearsandsixcontinents.

“LikeHSBC,Experianoperatesglobally,butwithastronglocalfocusonthemarketsinwhichitoperatesinordertoprovidelocalsolutions”saysChrisHawkes.“InExperianwehaveatrustedglobalpartnerwiththeexperienceandtechnologytosupportourbusinessgoingforward.”

Case studyExperian Strategy Management to help HSBC make billions of lending decisions each year


ApplicationprocessingExperianoffersarangeofscaleableapplicationprocessingsolutionsaroundtheworldtomanageallstagesofthecreditapplicationprocess,fromcapturingandverifyingapplicantinformation,toanalysingandscoringtheinformationandimplementingalender’sacquisitionpolicy.

Ourapplicationprocessingsystemshelplenderstoreducethecostandtimetakentopreparedata,whilstimprovingthespeedwithwhichanapplicationcanbeprocessed.Dataiscapturedfromalender’scompletedcreditapplicationform,overthetelephoneoronline,andcanbecombinedwithadditionalinformationderivedfromexistingdatabases,eitherwithintheclientorganisationorfromotherthirdpartysources(includinglinkstoover70creditbureauxaroundtheglobe).

Experian’sapplicationprocessingsystems,incorporatingStrategyManagement,aredesignedtoensurethatappropriatedatacanbeinputintoalender’ssystemssimplyandefficiently,providingintelligenthelpfeatures,shortformaddresscapture(eliminatingtheneedtotypeoutstandardaddresselementsinfull)andapplicantaddresstargeting.Allthesefeatureshelplenderstoreducethecostandtimetakentopreparedataandtrainstafftousethesystem.Fortheconsumer,theyimprovethespeedwithwhichanapplicationcanbeprocessed.

Keyproductsandsystemsinclude:

TransactSM(software);

Connect+(hostedsolution);

Autoscore;

CEMS(customereventmanagementsystem);

BakerHill.

Benefits:Streamlinesbusinessprocessesbyprovidingfullautomationofthecustomeracquisitionprocess.

Enhancescustomerserviceandproducttake-upwithdecisionsdeliveredinsecondsatthepointofcustomercontact.

Minimisefraudandassociatedreputationallossesbyincorporatingapplicationandidentityfraudchecks.

Improvescustomerdecisionsbyincorporatingshareddatafrommanyotherlendingorganisationsintotheprocess.

Assessesdatausingsophisticatedanalyticsandarules-baseddecisionengine.

Improvesmanagementinformationandunderstandingofcustomertrendsbyusingcomprehensivereportingfacilities.

Typical users of application processing systems include:banks;

creditcardissuers;

organisationsthatgrantpersonalortradecredit;

mortgagelenders;

insurers;

retailfinancecompanies;

mobilecommunicationsproviders;

homeshoppingcompanies;

onlineleadgenerationcompanies.

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The clientTheclientisaleadingcommercialandconsumerfinancecompany,providingcustomerswithfinancingandleasingproducts.

The issues/challengesTheyneededasolutionthatwouldautomatecreditdecisioning,decreasingprocessingtimeandincreasingthevolumeofapplicationsfromcustomers.Theywantedtoconsistentlyimplementandcentrallycontrollendingpolicies,riskmanagementandcreditdecisioningbyintegratingthesolutionwiththeiroperationsacrossEurope,butstillallowforbespokecreditdecisionsineachcountry.

The solutionForefficiencyandspeedofprocess,itwasimportantthattheclienthadasingleconsistentsystemthatprovidedinstantreal-timedecisioning.Theychosetheglobalapplicationsolution,TransactSMfromExperian.

Theclient’sTransactSMsolutionreceives,validatesandprocessesapplicationsfrommultiplechannels.Itisacentralisedmulti-country,multi-languageandmulti-currencysolution,whichallowstheclienttoinputdatafromexternalcreditbureausourcesandprovidebespokeautomatedcreditsolutionstoeachofitsvendorsineachcountry.TransactSMgivestheclientasingleweb-basedsolutionacrossallcountriestoenablethecentralisedmanagementcontrolandreportingthatwaskeytotheirrequirements.

Followingimplementation,theclientsawautomateddecisioningratesup75%withinthreemonthsofoperationthroughastreamlined,efficientoperationwith80%ofautomateddecisionsmadeinlessthan20seconds.Riskmanagementhasbeenenhancedthroughconsistentdecisioning,applicationcostsarecontrolledandtheclientcangrowthroughtherapiddeploymentofthesolutionintonewoperationsandterritories.

Theclient’sHeadofRisk,said,“ThisprojecthasbeenagreatsuccessaswehavebeenabletodeployTransactSMeasilywiththesupportofExperian’sbusinessconsultancyinmultiplecountrylocations.This,coupledwithitstechnology,makesExperiananidealpartnertohelpusdeployandgrowourbusinessinnewmarkets.”

Case studyMajor finance company implements automated decisioning across Europe


The clientTheclientistheUK’sleadingofficesuppliesproviderwiththousandsofsmallbusinesscustomersmakinglargenumbersofgenerallysmallpurchases.Theclientisrenownednotjustforthequalityandbreadthofitsofferingandpricingbutalsoforitscustomerservice,especiallythefastturnaroundoforders.Theclientalreadyusescommercialcreditscoringtoensureallthenecessarycreditvettingisundertakenpriortoprocessingordersinafastandefficientmanner.

The issues/challengesDuetodataquality,theclient’sexistingcreditscorecardsystemdidnotprovideconsistentcreditratingsandwasunabletoprovidedecisions.TheclientdecidedtoundertakearigorousdatatrialtocheckthedataqualityofitsexistingsystemagainstanExperianautomateddecisioningsystem.In85–90%ofcases,theExperiansystemreturnedafullreportandcreditscore,evenonthesmallestofcompanies.Thiscomparedveryfavourablywiththeclient’sexistingsupplier,whichonlyreturnedafullreportin17%ofcases.

The solutionTheclientswitchedtoExperianasaresultofthetrialandwasprovidedwithaccesstotheonlinecommercialcreditapplicationprocessingsystem,incorporatingonlinebusinessandconsumerinformationaswellasCommercialDelphi,ahighlypredictivescoringsolution.Thisonlineapproachhasenabledtheclienttoimprovethespeedandqualityofitscreditdecisionsandhasmadeahugedifferencetodebtreduction.Bytheendofthefirstyearofuse,ithadreducedbaddebtbyfiftypercent–directlyinfluencedbythenewcreditscoringsystem,whichisusedtochecknewandrenewedbusiness.Existingcustomersarenowcheckedonarollingtwelvemonthsbasis.

TheCreditControllerforthecompanycommented:“ThefactthatExperianisabletoaccesslotsmoreinformation,includingthetrackrecordsofdirectors,CountyCourtJudgmenthistoryandpaymentperformancedata,hasbeenhugelyvaluableandmadeaconsiderabledifferencetoourbusiness.Weareabletomakemoreprofitabledecisionsmoreeffectivelyandhaveconsiderablyreducedourexposuretoriskandunpaiddebt.Customerservicelevelshavealsoimprovedthankstothespeedandqualityofourcreditdecisions.”

Case studyCustomer service levels improved and bad debts reduced by fifty per cent


BusinesslendingsolutionsBakerHillhasbeenfocusedonthebankingindustryformorethantwodecades.Itdeliverssolutionsthataddresstheneedsofbanks,whenlendingtosmallandmedium-sizedenterprises,andworksasatrustedadvisortoitsbankingclients.BakerHillunderstandsbankingprocesses,knowshowtoimplementtechnologytoenablethoseprocessesandhasalonghistoryofclientsuccess.Morethan1,100financialinstitutionsinallsegmentshavechosenBakerHill’srelationshipmanagement,creditoriginationandportfolioriskmanagementsolutionsastheirenablingtechnologies.

BakerHilloffersintegratedtechnologysolutionsandgeneralconsultingandtrainingforthefinancialservicesindustry.Itwasanearlyindustryleaderinprovidingclientrelationshipmanagementsystems,offeringweb-basedoriginationsolutionsthataddressabankcustomer’sentirerelationshipcycle.

Thesolutionscombineclientmanagementsystemswithprocess-flowsolutionsandcanbeeasilyintegratedwithanorganisation’sexistingtechnologiestoimprovecustomerservice.

RelationshipmanagementsolutionsincludeOnePointandBakerHillAdvisor.Theseenableanorganisationtointegrateallcommerciallendingprocessesandtocreateasinglecreditfile,togetherwithacross-departmentalclientfileforeachclientrelationship,ensuringeveryoneintheorganisationisworkingfromthesamebaseofinformation.

BakerHill’screditcustomeracquisitionsolutionsautomatetheoriginationandunderwritingprocesstofreerelationshipmanagersofmanualprocessingtasks.Withfoursolutionssharingonecommontechnologyplatform,thereislessriskofredundantdataentryandareducederrorrate.Thesolutionscovertheentireloanprocessfromapplicationtounderwritingandacceptance,documentpreparationandbooking.

SolutionsfromBakerHillcoverbankrelationshipswithsmallandlargebusinessesandconsumers.ThesmallbusinesscapabilitystrengthensExperian’sofferingintheUS.

Increasingly,BakerHill’scompetenciesandsolutionsarebeingcombinedwithExperian’sandhaveresultedinthelaunchofnewproducts.TheseincludePortfolioRiskAdvisor,whichcombinesriskmanagementsolutionswiththepowerofExperian’sscoresanddatatogivefinancialorganisationsagreaterunderstandingofthestrengthsandweaknessesintheircreditportfolio.

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The clientFrostBankisthebankingsubsidiaryofCullen/FrostBankersInc,afinancialholdingcompanyintheUSwithassetsof$11.6billion.TheBankprovidesafullrangeofbusinessandconsumerbankingproducts,investmentandbrokerageservices,insuranceproductsandinvestmentbankingservices.Itoperatesmorethan100financialcentresfromitsheadquartersinTexas.

The issues/challengesFrostBankprocessessmall-businessloansunder$250,000.Withitssizeandrateofgrowth,Frosthadtwochallenges.Thefirstwastostandardiseandstreamlineitsloanoriginationprocesses,andthesecondwastosimplifythemanagementofitsgrowingloanportfolio.

Thebankpreviouslyusedavarietyofsystems.Tocompletetheloanprocessthesameinformationhadtobemanuallyenteredintothesedifferentcompanysystems.Thebankalsowantedtosavevaluableresourcesandimproveefficiencybyusingautomatedloanportfoliomonitoring,whichwouldhelpre-directitsstaff’sfocustoaccountsrequiringmoredetailedanalysisandalsohelpincreasetherateofrenewalforhigh-performingaccounts.

The solutionFrostBank’schoicewastouseBank2Business®andPortfolioRiskAdvisor®fromBakerHill®.

Bank2Businessisahostedservicethatusesbrowser-basedtechnologiestoautomatethesmall-businessloanprocesstomanagethecompleteapplicationprocess–frominceptionthroughdocumentpreparationtoboardingandloanservicing.Italsooffersfasterapplicationprocessing,easierloanapplicationtracking,highsolutionup-time,ascalableprocessingsystem,andquicksolutionset-up.

PortfolioRiskAdvisorleveragesBakerHill’srisk-managementexpertiseandthepowerofExperian’sdataandanalyticstohelpclientstomitigateriskandstreamlinetheirportfoliomanagementprocess.Byintegratinginternaloriginationandperformancedataacrossthebankwithexternalscoringdata,PortfolioRiskAdvisordeliversanaccurate,point-in-timeviewofthebank’sentireportfolio.

Bank2Business’hasimprovedtheefficiencyofloanprocessingatFrostBank.Sincethesolutionwentlive,thebankhasreducedtheapplicationturnaroundtimeforsmall-businessloansfromanaverageoftwodaystofourhoursandincreasedthenumberofloansprocessedfrom100permonthto350permonth–withouthavingtohireadditionalunderwritingstaff.

PortfolioRiskAdvisorhasstreamlinedFrostBank’ssmall-businessloanreviewandrenewalprocesses.Inaddition,thesolutionhashelpedtoidentifydeterioratingaccountsbeforetheybecameaproblem.

Case studyLoan processing reduced from two day turnaround to four hours


What we do : Decision Analytics : Fraud solutions

Experian offers a range of fraud prevention tools which are used by hundreds of the world’s leading financial institutions. By sharing valuable and timely information about known fraudulent applications and transactions with other business sectors nationwide, greater fraud prevention success can be achieved.

Authentication servicesprovidetheinformationneededtoinstantlyverifycustomeridentityandpreventfraud,whileconductingsecuretransactionsonlineandatcallcentres.

Credit card verificationcheckswhetheracustomerisusingavalid,authorisedcreditcard.Itauthenticatestheuser’slinktothecardinreal-timetoavoidtransactionprocessingdelaysandpotentialfraud.Charge-backsandfraudulenttransactionscanbereducedsignificantlybyverifyingthatconsumersareusingauthorisedcreditcards.

Detectprovidessignificantsavingstocreditgrantorsbyhighlightingfraudinstantlyatthepointofapplication,beforetheloanorpersonalfinancefacilityisgranted.Detectfindsfraudbycomparingapplicationdetailswitharangeofdatasourcestoidentifyanomaliesthathighlightpotentialfraudulentapplications.

Apowerfulfraudcheckingsystemandpredictivefraudscorecardareusedtointerpretunusualmatchesinthedata,whichcanindicatethattheapplicationmaybefraudulent.

E-identitycheckcombatsidentityfraudbyprovidingaqualitativeassessmentofthedegreeofconfidenceaclientcanhaveinacustomer’sidentity.ItaccessesseveralhundredmillionconsumerinformationrecordsinExperian’sdatabasesandthenappliespowerfulDetectprocessing,whichhighlightsidentityfraud.Theresultsoftheprocessingaredisplayedintheformofanidentityindexvaluewiththedatathatwasusedtocalculateit.

Fraud Shieldoffersprotectionfromeventhemostsophisticatedapplicationfraudbylaunchingacomprehensiveseriesofchecks,searchesandcounterstoscreeneveryapplicationagainstinformationinthecreditreport.

Fraud Shield Scoreisauniquesolutionthatcombinesthemostpredictivefraudandhigh-riskindicatorsintoonescoreforUSclients.Ithelpsidentifywhichapplicationsaremostlikelytobefraudulentorinneedoffurtherreview.

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Hunteridentifiesfraudulentnewaccountsorclaimapplicationsthroughoutthefinancialservices,telecommunications,retailandinsurancesectors.Itdoesthisbyautomaticallycheckingnewapplicationsandclaimsagainstthemselves,anypreviousapplicationsorclaims,suspectinformationandknownfraudulentdata.Thelatestversion,HunterII,providesonlinefunctionality,enhancesworkflowtoincreaseproductivityamongstfraudpreventionteamsandusesartificialintelligencetechniquestorankandprioritisematchesaccordingtotheirpotentialforbeingfraudulent.

Knowledge IQchallengesresponseprocessesusingpersonal,confidentialquestionsfromcreditandotherdatabasestowhichonlytheconsumerknowstheanswer.

National Fraud DatabaseisthefirstshareddatabaseofknowncasesoffraudintheUS.Experianhasjoinedforceswithaconsortiumofbusinessesfromseveralindustriestoprovideasinglepointofaccesstoconsumerfraudrecords.TheNationalFraudDatabaseisapowerfulresourceusedtohighlightfraudpatternsanddefineandidentifyfraudattributes.

SubscriptiontotheNationalFraudDatabaseisopentoanybusinessentitythatneedsinformationonknownfraudrecordsandrepresentsdatafromavarietyofsectors,includingbanks,creditcardissuers,telecommunicationsproviders,automotivecompanies,retailers,insurersandmortgagelenders.

Precise IDvalidatesandverifiesapplicationdatathroughmultiplecreditandnon-creditdatabasesandreturnshighlypredictivefraudandidentityriskscores.

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The clientCheckFreeisaleaderinprovidingfinancialelectroniccommerceservicesandproducts,frompoweringelectronicbillingandpaymentandautomatingfinancialtransactions,tostreamliningregulatoryreportingtasks.

The issues/challengesFraudandidentitytheftareagrowingconcerntodayontheinternetwithfinancialimplicationsforboththeconsumersandtheinternetcompaniesinvolved.CheckFree’sconcernswerethattheyneededtoobtainabetterperformingconsumerIDverificationsolutionforauthenticatingnewmembersduringtheironlineenrolmentprocess.

CheckFreeinterviewedanumberofdataprovidersusingthefollowingselectioncriteria:easeofimplementation,qualityofdata,passrateandcostperacceptance.Theirstatedgoalsweretoimprovetheirexistingpassrateswhilealsoachievinggreateroperatingefficiencies.

The solutionCheckFreeselectedExperian’sAuthenticationSolutionforIDverificationtomeettheirgoals.AuthenticationSolutionsisapowerfultieredapplicationemployingproprietaryExperiantechnologytoverifyandauthenticateaconsumer’sidentity.CheckFreesentExperiananinitialtestfileforprocessingwhichyieldedresultsthatsurpassedCheckFree’sexpectations.Experianwasawardedapilottestforitsproductandparticipatedinachampionchallengertest.Thepilottestranforthreemonthsbeforethecontractwasawarded.

Followingarigorousanalysisprocess,decisionmakersatCheckFreeviewedExperian’ssolutionasthebestchoicebecauseofthequalityofExperian’sdata,improvedpassrates,easeofimplementationandreducedcostsachievedthroughautomatedprocesses.Thesolutionispresentlyoperatingina‘live’environmentandthusfarhashelpedCheckFreeimproveoperatingefficienciesandhistoricalpassratesby5percent.

Case studyExperian’s Authentication Solution improves client’s ability to prevent fraud over the internet


The clientTheRoyalBankofScotlandGroup(RBS)isoneoftheworld’sleadingfinancialservicesproviders.RBS’activitiescoveraccountmanagement,savings,loansandcreditcardsforbothprofessionalsandprivateindividuals.ItalsosellslifeandgeneralinsuranceandinvestmentproductsthroughitssubsidiaryDirectLine.

The issues/challenges“Fraudisgrowingrapidlywithfraudstersbecomingmoresophisticatedandoperatingonaglobalstage.Protectingcustomersindifferentmarketsoverawiderangeofproductsisasignificant,ongoingchallengeforlargeorganisations,”saidDavidBowerman,DirectorofGroupSecurity&Fraud.“Thefirstandbeststrategyisprevention,identifyingandstoppingfraudstersatthepointofinitialcontact,suchaswhentheyapplyforanaccountor,forinsurance,whenapolicyholdermakesafraudulentclaim.

The solutionRBSchosetoupgradetoExperian’sHUNTERIIsolutionwhichwillbecometheBank’sprimaryapplicationfrauddetectionplatformhelpingpreventfraudforallareasoftheretailbankingandgeneralinsurancedivisions.

Thesolutioncombinesflexiblecorporatedatasharing,agroup-widesearchcapability,detailedmanagementinformation,toolsandreports,flexibleandconfigurablereferralmanagementandaccesstovalueaddeddatasources,whilstfulfillingbothonlineandbatchprocessingrequirements.

InselectingHunterII,RBSwilltakeacorporateapproachtofraudprevention,providingasingleplatformthatfacilitateseffectivedatasharingatagrouplevel.HUNTERIIwillbeusedacross27brands,21producttypesandtensofmillionsofcustomers,supportingRBS’scurrentandfuturebusinessplans.Experian’sconsultantshaveworkedwithRBStodesignandimplementasolutionthatcoversmanyvariedrequirements,optimisingbothbestpracticeandfulfillingusertrainingneeds.

RBSiscurrentlyusingHunterIItoscreeninexcessof20,000customerapplicationsperday.TheinitialHunterimplementationhasachievedmulti-millionpoundfraudpreventionbenefits,withadditionalfinancialandefficiencysavingspredictedasthesolutionisfullyimplementedacrossRBS.

Case studyExperian’s Hunter II saves millions in fraud prevention for RBS


What we do : Marketing Services

Marketing Services helps clients to acquire new customers and to manage their relationships with existing customers across multiple channels. It acquires, processes and manages large and comprehensive databases containing geographic, demographic, lifestyle and attitudinal information on consumers. Experian then applies its proprietary scores and software to help clients precisely target specific offers to consumers and businesses through multiple channels.

By appending hundreds of characteristics (e.g. type of residence, number of people in the household, estimated income and consumer interests such as leisure, sports and shopping preferences) to the data held in the databases, Marketing Services provides clients with information and tools designed to assist them in matching the relevant offer or product to the right customer.

Marketing Services also assists clients in planning and executing communication campaigns through a variety of media channels, ranging from direct media such as mail, email, SMS, Internet and telephone to mass media such as newspaper and television advertising.


What we do : Marketing Services : Data and data management

Experian enables clients to communicate effectively with their customers through multiple channels. We help clients target consumers and businesses for customer acquisition, development and retention campaigns, managing and executing those campaigns and, finally, measuring and refining marketing strategies. Our marketing databases are the foundation for these skills.

DatabasesExperianhasacollectionofdatabasesthatprovidegeographic,demographic,financialandlifestyleinformationonmillionsofconsumersaroundtheworldandonbusinessesintheUSandUK.ThisinformationallowsExperiantoofferhighlytargetedlistsofpotentialcustomerstoourclientsandtoenhancetheinformationheldbythemabouttheirexistingcustomers.Clientsseekingconsumerinformationcanmakeselectionsbasedontheprofilesoftheirmostprofitablecustomersorselectfromspecialistlists,suchasnewparents,newhomeownersorinvestors.

TheCanvasseandBehaviorBanklifestyledatabasesintheUKandUSuselarge-scalesurveysthatprovideinsightintothebuyinghabitsandinterestsofconsumers.Thisself-reportedinformationrangesfromtheage,incomeandoccupationofconsumerstotheirhobbiesandindividualbrandpreferences.Experianhasalsodevelopedinformationsharingamongdataproviders,suchasZ-24intheUSandClubCanvasseintheUK,whichbringstogethersharedcustomertransactionaldatafromcatalogueretailers.SearchingandselectinglistsofnamesiscarriedoutbyExperianonbehalfofclientsorbyclientsthemselvesattheirdesktopusingInternet-basedtechnology.Dataisdeliveredvialabels,tape,CDROM,filetransferprotocolorsecureemail.

Experianisoneoftheworld’slargestinformationprovidersandprovidesclientswiththeabilitytoidentifycustomers(lists),understandcustomersbetter(listenhancement)andpredictresponseandpurchasebehaviour(analytics).Experian’sbreadth,depthandqualityofdataprovideaclearcompetitiveadvantage.

US databasesBehaviorBank:consumer-suppliedlifestyledatawithcoverageofmorethan35millionhouseholds.

Business Owner Link:over6milliondemographicrecordsonboththebusinessandtheowner,helpingclientsmodifytheirmarketingeffortstoappealtospecificaudiences.

CircBase:cooperativedatabaseofdirectmailrespondentsforpublishers,covering161publicationsand63millionsubscribers.

Cottage Industry File:over3millionhome-basedbusinessesidentifiedontheNationalBusinessDatabase.Thissegmentisunmatchedintheindustrybyanymajorcompetitor.

Hotline File:newandrecentlyrelocatedbusinesses,withmorethan250,000businessesaddedeachmonth.

INSOURCE National Consumer Database:oneofthelargestmarketingdatabasesintheUS,withinformationon215millionconsumersin110millionlivingunitsincludingnewparents,newhomeownersandnewmovers.

National Business Database:thelargestandmostextensiveB2Bmarketingdatabaseintheindustry,holdinginformationonmorethan19millionbusinesses,withauniquecombinationofgeographic,demographic,legal,financialandcreditdata.

Z-24:collectsandsharesinformationfromover700catalogueretailers.

UK databasesCanvasse:self-reporteddataonover14millionindividualsselectablebyover6,000variables.

Club Canvasse:sharedcustomertransactionaldatafromapproximately225mail-orderorganisations.

National Business Database(incorporatingYelldata):marketingdataonover4millionbusinessesand5millioncontactsintheUK,fromsingle-personbusinessesoperatingfromhometomulti-subsidiarycorporations.DataiscapturedfromacombinationofpublicanduniquesourcesincludingCompaniesHouse,ThomsonandYell,inadditiontoourownin-houseDirectorsDatabase,corporatetreeinformationandcreditandriskfile.

National Canvasse:ElectoralRollreplacement,comprisingcompliantinformationsuppliedbyconsumersinthepast12months;providescomprehensivecoverageoftheUKadultpopulation.

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The clientCrateandBarrelisrecognisedacrosstheUSasaleadingmulti-channelretailerofhouseholdgoodsandfurniture.Thecompanywasfoundedin1962asafamilybusinessandtodayhasmorethan150storesandover7,000associatesnationwide.Duringthistime,ithasalsobecomeamajorcatalogueandInternetretailer.

The issues/challengesDirectmarketinghasbeenakeyingredientinCrateandBarrel’ssuccessand,formorethan15years,thecompanyhaslookedtoExperiantohelpdriveitscatalogueandretailcampaignsinmanyways.

The solutionUnderpinningthesecampaignsistheconfidencethatCrateandBarrel’scustomerdatabaseisoperatingeffectivelyandthatitissuccessfullyreachingtherightcustomers.Experianprovidesarangeoflistprocessingservicestoensurethatthecompany’smailinglistsareaccurateandup-to-date,aswellasbeingcompliantwithpostalregulationsandproperlyformattedforquickandeasyprocessingthroughthemail.

Prospectingfornewcustomersisakeypriority.CrateandBarrelneedsaccesstopotentialcustomerswithsimilarbehavioursandlifestylesasitsown,aswellasagoodunderstandingofthesecustomerssothatitcanmarkettotheminthemosteffectiveway.ByparticipatinginExperian’sZ-24co-operativedatabase,CrateandBarrelhasaccesstomillionsofavidcatalogueshoppers,enablingthecompanytocontinuegrowingitscustomerbase.ItsprospectingeffortshavealsobeensupportedbyexpertanalysisfromExperianoftheresponsestocampaigns.ThishelpsCrateandBarreltoidentifythoseconsumersthatwillbemostresponsivetoitsdirectmarketingandtodeterminethemostappropriatemessagesandoffers.

Withtheadoptionofnewonlinesaleschannels,CrateandBarrelhasalsoneededanemailservicedeliverysolutionthatcanhelpdrivethesamesuccessinthedigitalworldthatithasexperiencedwithdirectmail.ThecompanyhasthereforeadoptedExperian’sCheetahMailservicestodeliverallofitsemailmarketingoffers.

“ThepartnershipwithExperianhasbeenalongandsuccessfulone”,saidGordonSegal,DirectorofDirectMarketingatCrateandBarrel.“ExperianhashelpedCrateandBarrelmaintainastrongrelationshipwithlifelongcustomers,whileensuringthatwecontinuetogrowourcustomerbase.”

Case studyExperian’s Z-24 co-operative database strengthen’s customer relationships


DatabasemarketingExperianhelpsclientstobuildandmanagetheirowndatabases,combiningbothExperianandclientdata.Forclientsthatalreadyhavein-housedatabases,Experianisabletoprovidetoolsandinformationtoensurethatthesedatabasesoperatemoreeffectively.

Experian’sdatabasemarketingsolutionsallowclientstohaveacompleteviewoftheircustomerrelationshipsandtodeterminebothcurrentandpotentialvalueoftheserelationships.

Experiandesigns,buildsandmanagesmarketingdatabasesforlargecompanieswithmillionsofcustomers,allowingthemtoundertakemultipletransactionsonadailybasisandthroughdifferentchannels.Itworksforfinancialservicesproviders,entertainmentcompanies,mobilephoneoperatorsandInternetserviceproviders.ClientsincludeBarclaycard,BSkyB,MorganStanley,O2andOrange.

Whendevelopingmarketingdatabasesforitsclients,Experianusesitsownuniquetechnologyplatformandanalyticstointegratedataandsoftwarethatbestmeetitsclients’needs.Inparticular,linkingcompanies’existinginformationoncustomerswithexternaldatasourcestocreateacompletepictureofcustomerbehaviour.ThekeycompetitiveadvantageofExperian’sdatabasemarketingsolutionisthatthetechnologyplatformisveryfastandflexible,speedingupdecision-makingandreducingtheleadtimefordeliveringmarketingcampaignsaswellasbeingembededattheheartofclientsmarketingstrategies.

CustomerdataintegrationExperianlaunchedTruvueintheUSandEuropetoenablebusinessestointegratemultipledatasourcestogetasingle,accurateviewofeachcustomer.

TruvueusesExperian’scoreexperienceinnameandaddressmatching,butaddsanextradimensionbyusingthelargest,mostcomprehensivereferencedatabasetoprovideamoreaccuratematch,eveniftheconsumerhasmovedaddress.

Truvueinitiallycleansesandintegratescustomerdata,assigningapersistentidentifiertoeachuniqueconsumerrecord,givingittheabilitytotrackcustomersovertime.OncetheTruvueIDisassigned,Experiancanidentifychangesinconsumerdataandpushupdatestoclients.TheTruvueprocesseliminatesunnecessarydatahandlingandimplementsamoreefficientdatabaseupdateprocess.


DataqualityservicesResearchshowsthat73%oforganisationsworldwidebelievethatinaccuratedatacoststhemmoneyand75%admittedthatpotentialrevenueislostthroughmissedbusinessopportunitiesfromnotbeingabletousegoodqualitydatatofindorprofilecustomersandprospects.

Experian’sdataqualityservicesaimtomakemailingsmoreeconomicalandefficient.Thisincludesstandardisationofaddresses,ensuringcompleteness(againstnationallyavailableverificationsourcessuchasnationalchangeofaddressfilesandnationallyacceptedaddresscorrectionprocesses)throughtoeliminatingduplicatesandoptimisingpostalexpenditure.

Thepurposeoflistenhancementistoensurethattheinvestmentacompanymakesinitsdirectmailcampaignsismaximisedandthatthedesiredmarketingmessagereachesonlytherightcustomers,attherightaddresses,withminimaldeliveryfailureratesandwiththefastesttimespossible.

Experian’scomprehensivedataandadvancedtechnologyresourcesensurethattheresultsdeliveredareconsistentandtoahighstandard.IntheUK,ExperianIntactisamarketleadingdatacleansing,suppressionandenhancementservice,processinginexcessof500millionrecordsayear.IntheUS,Experianhaspioneeredmanyoftoday’saddressstandardisationandtargetingprocesses(suchasinkjetpersonalisationandinternationaladdressstandardisation).

QASQASisaleadingsupplierofaddressmanagementsolutions.WithofficesacrossEurope,NorthAmericaandAsiaPacific,QASservicesmorethan10,000customersacrossallmarketsectors.

WithitsQuickAddressrangeofsoftware,QASoffersthemostcomprehensiverangeofdataqualityservicesinthemarketplace.

QuickAddresshelpsorganisationscaptureaccurateaddressdataandconservedataintegrityovertime.Thishelpstoenhancetheexperienceofthecustomerdealingwiththatorganisationandreducesthecostsassociatedwithpoordata,increasingitsabilitytogrowrevenuethroughimprovedtargetingandaidingcompliancewithdataregulations.

Organisationswhotakeadvantageofthesoftwarecoverawidespectrumofindustries,includingbanks,universities,telecommunicationcompanies,thepolice,retailstores,hospitals,onlinegamingwebsites,charitiesandmajorfootballclubs.TheflexibilityofQuickAddressmeansitcanbetailoredtosuitanyindustry-specificrequirementsandbusinessprocesses.

Inaddition,QAS’IDentifierrangeofsoftwareisdesignedtoenableorganisationstoverify,findandtrackpeople.FastandefficientelectronicauthenticationofcontactsminimisestheriskofpotentialfraudandprovidesenduserswithsecurityagainstIDtheft.IDentifierusesuniquecombinationsofmarket-leadingproprietaryandthirdpartydatasourcestoensurereliableandeffectiveidentitymanagement.

Keycharacteristicsofthesoftwareare:

capturing, verifying and enteringaddressdataquicklyandaccuratelyintoanydatabaseorapplication,fromaslittleasjusttheZIPorpostalcodeandhouseorbuildingnumber;

cleaning and maintainingaddressdataregularlytokeepaddressrecordsuptodateandqualifyingforbulkmailingandpostagediscountsfromnationalpostalauthorities;

integratingQuickAddressfunctionalityacrosstheentireorganisationviathedesktop,CRMorERPsystems,intranetapplicationsoronworldwidewebsites;

suppressingdatabaserecordsusingmarketleadingsuppressionfiles,throughExperian’sIntactserviceorQAS’desktopsuppressionsoftware;

enhancingthetruepotentialofcustomerdatawiththeadditionofinformationfromover60datasets;

authenticatingcustomeridentitiesbycomparingtheirdetailsagainstpersonalinformationheldonauthoritativedatabases.

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The clientWaterAidisaninternationalcharitydedicatedtohelpingpeopleescapepovertyanddisease.Establishedin1981asaleadingnon-governmentalorganisation(NGO),itstrivestoenablesomeoftheworld’spoorestpeopletogainaccesstosafedomesticwater,sanitationandhygieneeducation.Thecharityoperatesin17countries,with132employeesintheUK,andmanyoverseaspartnerorganisations.

The issues/challengesWithover450,000namesandaddressesonitsdatabase,maintainingcorrectcontactdetailsiscrucialtoensurethatWaterAidmaximisesfundraisingandhelpsimprovethelivesofthosewhosufferbecausetheylackpoorwatersanitation.Thecharityrecognisedthatnotallitsmailingswerereachingtheirintendeddestinationasitsdatabasecontainedbothinaccurateandincompleterecords,whichresultedinover5,000returnedmailingseachyear.Asaresult,thecharitywasnotreachingallthepeopleitneededto.

The solutionWaterAidimplementedQuickAddressBatchfromQAStohelpcleanandmaintaindata.QuickAddressBatchisadatacleansingandsuppressionsolutionthatcleansinaccuraciesinexistingdatabasesandputstheinformationintoaconsistentformat.Itisparticularlyusefulforthecharity’sdirectmarketingcampaignsasitcleansandverifiesaddressesagainstQAS’enhancedversionofRoyalMail’sPostcodeAddressFile(PAF).

QuickAddressBatchisuseduptotentimesaweek,priortoeveryimportofdatafromdifferentchannels.ThisenablesWaterAidtocleanandmaintainitscustomerdatabaseonanongoingbasis.DanLockeretzsaid:“Tryingtokeepourdataaccurateovertimeisaconstantchallenge.Asthedetailsofbothindividualsandorganisationschange,thesmoothandhasslefreeimplementationofQuickAddressBatchmeansthatwecanpreventdatadecayandensurethereisnoduplication.

“TheimplementationofQuickAddressBatchhasincreasedthespeedofdataimportby30percent.Thishashelpedfreeupapproximately20dayslabourayear,resultinginsignificanttimeandcostsavings.

“WeestimatethatWaterAidraisesanadditional£12,000appealincomeeachyearbecauseofmoreaccuratedataonourcontactsand£1,000issavedeachyearfromareductionintheamountofreturnedmail.”DanLockeretz,DatabaseManager,WaterAid.

Case studyExperian helps WaterAid cleanse data and fight poverty


What we do : Marketing Services : Research services

Experian offers a range of market research products to help its clients better understand their customers’ needs and behaviour both offline and online.

SimmonsResearchSimmonsResearchhasbeenaleadingchronicleroftheUSconsumerforover50years.

TheSimmons’networkofmediaexperts,surveyprofessionals,modellingstatisticiansandresearchanalystsprovidecompaniesandadvertisingagencieswiththecriticalmarketinginformationneededtotargettheirproducts,brandsandmediatotoday’sconsumingpublic.Itsdatabase,builtfromsyndicatedandcustomisedsurveys,containsthemostdetailedusageinformationavailableonover8,000brands,400productcategoriesandeverymediagenreaccessibleintheUS.

Simmonscarriesoutresearchoneverythingfromtheproductsconsumersbuyandthebrandstheyprefer,tolifestyleandmediapreferences.ItisusedbyvirtuallyeverymajormarketingfirmandadvertisingagencyintheUS.Simmonsresearchdataisthestandardforplanning,productdevelopment,brandbuildingandconsumerprofilingfordifferentiatingprogrammesandproductsfromthecompetition.

Simmons’suiteofsolution-basedproductshelpclientsinthreegrowingareas:

Simmons National Consumer Studies:Eachyear,Simmonsinterviewsover27,000peoplenationwideinordertoproduceitswell-knownSimmonsNationalConsumerSurvey(NCS)onthemarketplacebehaviourofUSadults.Inaddition,itcollectscomprehensive,insightfulinformationonteens,kidsandHispanicconsumers.Throughpartnershipswithleadingmarketingcompanies,Simmonsdataisattheheartofleadingsegmentationsystems.

Simmons Integrated Marketing Solutions:BymarryingbehaviouraldatafromNCSandtransactionaldatafromothercompaniessuchasMasterCard,AOL,AT&TandNielsenMedia,Simmonshascreatedaseriesofpowerfulnewsegmentationsystems.Forexample,itsBehaviorGraphicsmodelshowsadvertisershowtoidentifytheirbestcustomersbasedonwhattheybuyinstoresandwhattheywatchonTVathome.

Simmons Global Information Services:AffiliatedwiththeWorldWideTargetGroupIndex(TGI),Simmonsalsoprovidesconsumerbehaviourresearchdata–similartotheUSdata–frompeopleinover50countriesworldwide.

VenteVenteisaleaderinonlineconsumerresearchandpermission-basedmarketing.

Ventegathersinformationfromconsumersthroughitsproprietaryonlinesurveyplatforms.Itsdatabaseismadeupofself-reporteddatabyconsumers(notthirdpartysourcesorconfidentialconsumerinformation).ThemillionsofconsumersinitsdatabasehavegivenVentepermissiontosendtheminformationandoffersinwhichtheyhaveaninterest.Self-reporteddataincludesdemographicandfinancialinformation,aswellashobbies,interests,ailmentsandpurchaseintentions.

Whethertheyareentrepreneurialstart-upsorbrandleadingmultinationals,Vente’sservicesallowcompaniestogetthemostfromtheirmarketingbudgetsbyhelpingto:

extendthereachandfrequencyofadvertisingandpromotionalmessages;

receivetargetedleadsinreal-time,daily,weeklyormonthlyasrequired;

drivesalestraffictoofflinechannelpartnersorwebsites;

executecost-effectivecustomeracquisitionandretentionprogrammes;

increasecustomerlifetimevalue;

createbrandadvocates.

Vente’skeydifferentiatingfactorsincludeitsemphasisondatahygieneandsecurity,aswellasitsabilitytoprovidecompleteend-to-endemailsolutionsandanalyticstoensureincreasedreturnoninvestmentforcustomeracquisitioncampaigns.

HitwiseHitwiseisaleadingInternetmarketingintelligencecompany,whichhelpsclientsmonitortheperformanceoftheirwebsitesandtargettheironlineadvertisingspendmoreeffectively.

HitwisecollectsandaggregatesinformationfromInternetServiceProviders(ISPs)onhowover25millionconsumersuseandsearchtheInternetintheUS,UK,AustraliaandothercountriesinAsiaPacific.Usingproprietarytechnology,Hitwisereportsonnearlyamillionwebsiteseachdayandsellsthisinformationtocompanieswhomarkettheirservicesonline.Thedataallowscompaniestobenchmarktheirwebsitesagainstcompetitorsintermsofvisitormarketshare,visitorprofilesandtimespentonsites.Italsohelpscompaniestodeterminewhicharethebestwebsitesonwhichtoadvertise,whichsearchenginesdrivetraffictotheirsitesandwhichkeywordsaremosteffective.

Tosafeguardconsumerprivacy,thedataexcludespersonallyidentifiableinformationandisaggregatedintosocio-demographicmarketingsegments.Hitwiseownsthisdataonceithasbeenprocessed.

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Hitwisehasover1,200clientsacrossnumeroussectorsincludingfinancialservices,media,travelandretail.Hitwise’sclientsincludeHSBC,AXA,Google,eBay,CBSNews,ask.com,IKEA,MTVandQantas.

The clientHondaMotorCoIncwasfoundedin1959andcurrentlyproducesautomobiles,motorcycles,all-terrainvehicles,personalwatercraft,lawnmowersandenginesfromtenmajormanufacturingplantsintheUS.

The issues/challengesHondaMotorcycles,partofHondaPowersports,wantedtoboostthelevelofvisitorstoitsprimarywebsiteandtoquantifythesuspectedproblemareasacrossitsmultiplemicrositesinordertoimproveitsmarketshare.

The solutionHondaturnedtoHitwiseforitscompetitiveintelligencedata,usingclickstreamdatatomonitortraffictoandfromitswebsite,ManufacturersCategoryRankingtoviewHonda’splacementagainsttheircompetitorsandHitwiseChartingtomeasuretheircampaignperformanceagainsttheirkeycompetitors.

ClickstreamdatahelpeditdeterminetheoriginofHonda’sanditscompetitorsonlinetrafficandtoseewherethetrafficwentaftervisitingtheHondawebsite.ThisinformationenabledHondatoplacegreatermarketingemphasisonothersitesthatledtraffictotheHondaMotorcyclesiteandawayfromcompetitorwebsites.

Honda’sJasonNicholascommented:“WethenusedtheManufacturersCategoryRanking,toviewourplacementversuscompetitors,againstarangeofmetricssuchasuservisits,pageviews,andaveragevisitduration.”

AccordingtoNicholas:“Hitwiserankingsdataseta“baselineforfuturemarketingactivities,”whichenabledHondatobenchmarktheeffectsofnewwebsitecontentandmicrosites,emailcampaignsandothertrafficdrivinginitiatives.

HitwiseChartinghighlightedhowitperformedagainstkeycompetitorsandtheindustryasawhole.Thisenabledthemarketingteamtomatchtangiblemarketingactivitiestoonlineresults,andassistedtheminreportingbacktoseniormanagement.

HitwisecompetitiveintelligencedatahelpedHondafocusitstrafficgenerationstrategies,reportonthereturnofonlinemarketinginvestmentandkeeptrackofcompetitivemovements,whichultimatelyledtomoreefficientmarketingandanincreaseinvisitorstotheirwebsite.

“Hitwiseisvaluablebecauseitallowsustokeeptrackofoursuccessandtokeepaneyeonwhatourcompetitorsmightbedoingdifferently,”saysNicholas.

Case studyMotorcycle manufacturer increases market share with Hitwise


What we do : Marketing Services : Digital services

One of the most effective and economical ways to communicate with customers is through permission-based email marketing. Consumers open and respond to email marketing messages much more often than they respond to direct mail. As a result, there is a significant shift in spending occurring as clients attempt to communicate with consumers through their channel of preference, which is often the internet. Email marketing is used to promote new products, re-activate customer relationships, and respond to inquiries and send customer service messages ranging from confirmation of orders, to notification of new products in stock. Email marketing is highly measurable and as a result, clients can calculate a meaningful return on investment in Marketing and test and modify marketing campaigns in short order.

Globally,CheetahMaildeliversemailsto60countriesinover30languages.Asanexample,KLMRoyalDutchAirlinesutilisestheCheetahMailsystemtosendemailsinover15languagesfromKLMofficesworldwide.Fortheyearended31March2007,CheetahMailsentover20billionemailmessages,anincreaseofover70%fromthepreviousyear.

CheetahMailprovidesclientswiththeabilitytomanage,analyseandautomatewebandemailmarketingcampaignstobuilddata-driven,relevantrelationshipswiththeircustomers.Inaddition,CheetahMailoffersabroadrangeofclientservicesincludingconsulting,creativedesign,programmemanagement,strategicanalyticsandtechnicalconsulting.

Itsclientsarecategoryleadersinindustryverticalssuchasretail,financialservices,mediaandtravel.Servicingover350worldclassorganisations,CheetahMail’sclientsincludeAudi,CompUSA,DiscoveryCommunications,J.Jill,Safeway.com,SearsandWyndhamHotels,HiltonInternational,Adidas,HMVandNorwichUnion.

CheetahMail’scampaignanddatamanagementandone-to-onemessagingcapabilitiesarecomplementedbyitsprofessionalserviceswhichprovide:

campaignstrategy,analysisandoptimisationtohelpclientsgrow,evolveandmaximisetheiremailmarketingprogrammes;analyticservices,whichcombinein-depthcampaignresponseanalysisinsightswithstrategicrecommendationstoimprovetheeffectivenessofprogrammes;dataservices,whichfocusonevaluatingthesuitabilityandapplicabilityofaclient’sexistingdatatobeusedforthedeploymentofmorehighlytargetedandpersonalisedemailcampaigns;creativeservices,whichidentifyandremedypotentialdesignflawssuchasnavigationorcontenterrors;enhancedservices,whichensurethesuccessfuldeliveryofeachmessage;SiteClarity,CheetahMail’snext-generationwebanalyticssolution,whichleveragesthemostrobusttoolsforwebsitedatacaptureandmulti-dimensionalanalysis.

In2007,ExperianacquiredeMailingSolution,aleadingproviderofpermission-basedemailmarketinginFrench.TheacquisitionextendsthegeographicreachofDigitalServicesintooneofthefastestgrowingemailmarketsinEurope.

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The clientTheclientisaclothingretailer,foundedin1818andwellrenownedacrosstheUSwhereithas250stores,withoneinmostmajorcities.Theretailerhasafurther80storesacrossHongKong,Taiwan,JapanandItaly.

The issues/challengesTheclientwasfocusedonwaystoincreasesalesinitswomen’sclothingline.Althoughitcollectedemailaddressesthroughopt-inprocesses,manysubscribershadnotidentifiedtheirgender,leavingtheclothingretailerunabletodetermineaccuratelywhichofitssubscribersweremenandwhichwerewomen.Theclientdidnotwanttoalienateitscustomersformen’sapparelbysendingthemawomanfocusedemail,soitdecidedtoidentifygender-basedsegmentsfromitsdatabaseutilisingemailresponsedata.

Withlimitedself-identifiedinformationgivenbysubscribers,creatingbehaviourordemographicspecificsegmentsformoretargetedcampaignsbecameincreasinglydifficult.

The solutionUsingCheetahMail’sAdvancedAnalyticsTool,theclientwasabletoconductareal-timequeryofallsubscriberswhohadclickedonanywomen’sproductfromitslastthreemonthsofcampaigns.Thequeryproducedasegmentthatwasnearlytwiceaslargeasthenumberofsubscriberswhohadself-identifiedthemselvesasfemale.Theclientbelievedthatatargetedwomen’slinecampaignsenttosubscriberswhohadpreviouslyexpressedinterestinwomen’sproductswouldincreaseresponseandsoexecutedthemailing.

Conversionratesfromthecampaignwere250percenthigherforthetargetedwomen’slinecampaignthanfortheclient’sgeneralmailing.Theclienthadidentifiedasegmentthatwasmostlikelytopurchasewomen’sclothingandcouldtrackemailresponsesovertimethroughCheetahMail’ssysteminordertogaugesubscribers’interestlevelsinwomen’sproductsversusallproducts.“Thisisarealtestamenttotheimportanceofsegmentingyourdatabasebysubscriberbehaviourratherthanjustself-identifieddata,”saidtheclient’seCommerceMarketingManager.“CheetahMail’sAdvancedAnalyticstoolsenabledustoidentifysegmentsthatwerenotoriginallyevidentfrominformationprovidedbysubscribers.”

Case studyMajor retailer increases targeted email campaign conversion rates by 250 per cent


What we do : Marketing Services : Business strategies

Business Strategies includes Experian’s consumer behaviour monitoring activities such as FootFall, consumer classification systems such as Mosaic and its economic forecasting unit. The target market for these services is broad but centres on the retail, property and public sectors, predominantly based in Europe.

Theserviceisbasedonthreekeyprinciples:

Experianunderstandswherepeoplelive,theirdemographics,lifestyles,behaviourandaspirations.ThisdrawsuponsourcessuchasourMosaicclassificationofconsumersandconsultingservicessuchastheFutureFoundationthatmonitorconsumertrendsandpredictthefuturebehaviourofconsumers.

Experianunderstandswhatandwhenpeoplebuy,throughitsabilitytomonitorandpredictperformanceofnational,regionalandlocaleconomiesandassociatedpatternsofconsumerexpenditure.

Experianunderstandswherepeopleshopusingitsdatabasesoflocalmarketinformation,marketresearchandretaillocationsdata.

How does Experian help clients?Understanding consumers:providinginsightintothedemographic,socio-economic,behaviouralandattitudinalcharacteristicsofconsumers.

Managing customer relations:usingcustomerinsighttoidentifyanddevelopprofitablecustomerrelationsandtargetcommunicationsmoreeffectively.

Identifying profitable locations for stores:advisingretailersontheoptimumlocationsfornewoutlets.

Assessing the impact of a store opening:assessingtheimpactofanewstoreonthesalesofanexistingstore.

Measuring and predicting store performance:evaluatingtheperformanceofstoresandforecastingsales.

Managing branch networks:developingappropriatestrategiesforstorenetworksinrelationtopricing,merchandising,stockcontrol,salesforecasting,spaceoptimisationandmarketing.

Strategic forecasting:identifyingkeyeconomic,demographic,behavioural,socialandculturaltrendstohelpretailersfuture-prooftheirbusiness.

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MicromarketingTodeveloplongtermprofitablerelationshipswithcustomers,organisationsneedtobeabletoidentify,understandandquantifydifferencesbetweencustomersandpotentialcustomers.

Thisiswhatismeantbymicromarketing,thedirectoppositeof‘mass’marketingtechniques.

What is Mosaic?Mosaicisarangeofclassificationsystemsthatenablesthesegmentationofconsumersandbusinessesintoclearlyidentifiablegroupsandtypes.Examplesinclude:MosaicUK,MosaicPublicSector,MosaicGlobalandMosaicCommercial.Mosaicisalsoavailablein25country-specificversions.

How is it created?AMosaictypeisassignedtoeachhousehold,businessorgeographiczone,baseduponalargenumberofstatisticalmeasures,originatingfromdifferentsourcesandrelatingeithertoabusiness,anindividualperson,household,postcodeorhigherlevelgeographicunit.

What is it specifically used for?Mosaicisusedforeverythingfromcustomerresearch,identifyingwhoaclient’scustomersare,theproductstheybuyandwheretheybuythem,tocustomerrecruitmentandtailoringcustomercommunicationstoimproveretention.Itisalsousedextensivelyinbranchandnetworkplanningandretailinvestment.

FootFallFootFallisaleadingproviderofretaildata,analysisandconsultancy,andamarketleaderincustomercountingtechnology.FootFallhasestablishedcustomercountingasakeyperformanceindicator,enablingretailpropertyprofessionalstoachievemaximumoperationalefficiencyandassessperformanceonacontinuousbasis.TheFootFallIndexisregardedastheindustrystandardbenchmarkforshoppervisitsandisendorsedbytheBritishCouncilofShoppingCentres(BCSC).


The clientTheclientisoneoftheUK’stopfivefoodretailers.

The issues/challengesTheretailerwantedtoexpanditsofferandcustomerbasewithanon-foodformatinanew-stylestorethathadbeentrialledinahandfulofretailparks,andapproachedExperianforadviceonthebestlocationsforthesenewstores.

Thecharacteristicsofthenewstores,thelocationsandcustomerbaseweredifferenttotherestoftheretailers’estate.Thecostofexperimentingwithnewstoreformatsisprohibitivesoitwasimportanttominimisetheriskbyunderstandingasmuchaspossibleabouttheclient’sexistingoutoftownstores.ThisknowledgecouldthenbeappliedtoallUKretailparksandotherpotentiallocations.

Insightwasneededastowhetherthenewstoreformatcouldprovidesufficientdrawthroughsomeofthesecondaryretailparks,orifthestorescouldoperateasstand-alonedestinations.Datafromthosealreadytradingincludingcatchment,demographicandfootfalldatawascombinedwithmoregeneralmarketresearchtogaininsightabouthowthestoreswerebeingused.

The solutionExperiandesignedandcommissionedcustomerexitinterviewsattheexistingtrialstorestounderstandshoppers’visits,whereelsecustomerswereshoppingandhowtheirbehaviourattheretailer’sexistingsupermarketshadchanged.ResponseswereamalgamatedwithMosaicanddrivetimecodestouncoverdifferencesincustomerperceptionsanddistancetravelledtothestore.

Researchindicatedthattheconcepthadthepotentialtoextendtostand-aloneunitsandcouldalsobeappliedtoalimitednumberoftowncentreswheretherewasadequatedemandbutexistinglevelsofcompetitionwerelow.Italsoindicatedthattheimpactonexistingfoodstoreswithanon-foodrangewaslimited.

VariableswerederivedfromExperiandatasetsincludingits‘WhereBritainShops’catchmentareas,grocerymarketsizedatabase,Mosaicanddrivetimestocompetitors.Theseinsightswereusedtoscoreeachlocationaccordingtothemixofretailersalreadypresent,theproximityofcompetingvenuesandthedemographicmix.

Thisprojectallowedtheclienttowidenitstargetlistofpotentiallocationsbyseveralhundredbyidentifyingsecondaryretailparksthatwerepreviouslydeemedtohaveinsufficientdemand,butalsobydemonstratingtheopportunitiesforadjustingtheformatfortownswitheithernoappropriateoraffordableretailparkoffer.

Case studyMajor food retailer expands its customer reach with the help of Mosaic


The clientMarks&Spencerhasover450storeslocatedthroughouttheUK,150storesworldwideandoperatesin30countries.

The issues/challengesMarks&Spencerlaunchedanewlookforitsstoresandwantedtomeasurethetrueimpactthatthishadonitsbusiness.Thecompanyhadtrialledothercustomercountingsystemsinthepastwithvariedsuccess.SoMarks&SpencerwaskeentoworkwithFootFalltodeliveracosteffectivesolutionwithanaccuratedatamanagementservice,alongwithauser-friendlyreportingtool.

The solutionFootFalllaunchedatrialwithMarks&Spencertohelpitunderstandhowwellitwasdrawingcustomersintostores,howmanypeoplewerebuyingandmostimportantly,howmanypeoplewerenotbuyingtogiveameasureof‘missedopportunity’.Thekeydriversofconversionin-storewereidentifiedasproduct,behaviour,conversionratesandstaffandcustomerservice.

FootFalldevelopedaninnovativein-storesolutionthatlinkedFootFallcustomercounts(fromthermalperimetercountingdevices)withPOS(pointofsale)dataandallofMarks&Spencer’scurrentin-storedata.

BycombiningallthisdataatMarks&Spencer’sITcentre,FootFallwasabletoproducemeaningfulreports,showingconversionratesnotjustforthewholestorebutforeachdepartment.Figurescouldthenbematcheduptostorevisitornumbersprovidingthecapabilitytomeasuredepartmentaltransactionandconversionrates.Reportswereproducedonadailybasisandlong-termfootfallandtransactionpatternsproduced,includingstorecomparisons.

ThenewsystemradicallyimprovedMarks&Spencer’suseofitsin-storedata.Followinginstallation,storeswereabletoseehowcustomerflowandsaleswerelinkedandusethisknowledgetoimproveconversionrates.Storesareabletocreateinnovativestaffingaroundcustomerflowandreinforce‘OurServiceStyle’behaviours.Bysettingtargetsforconversionratesbydepartment,theFootFalldatacanbeusedproactivelytomanage,motivateandplanteams.

Bymakingsmall,simple,sustainablechangesinstaffing,productavailabilityandservice,Marks&Spencerhasbeenabletodrivemeasurableimprovementsinconversion,unitspertransactionandbasketsize,whichwillresultinsignificantandsustainableincreasesinsales.

Case studyFootFall helps leading retailer to increase customer conversion rates and average spend


EconomicforecastingTheEconomicForecastingunitoffersinsightandconsultancyexpertiseinthefollowingareas:

Economic forecasting and model building:developsandmaintainshighlysophisticatedeconomicmodelsoftheUKandothermajoreconomies.Outputfromthesemodelscanprovidebusinesseswithdetailedinsightsintotheeffectsofeconomicchangeontheirprospects.Theunitcanalsobuildmodelsthatallowpolicymakerstoassessthelikelyeconomicandsocialimpactofvariousdecisions.

Property analysis:specialisinginretailandcommercialpropertymarketplaces,theunitcanhelppropertyprofessionalsandregenerationexpertstounderstandandmakeinformeddecisionsoninvestmentsin,andmarketingof,propertyassets.Thisismadepossiblebycombiningtheextensiveknowledgeofcitycentres,usingtheindustry-standardGoadplans,andsophisticatedanalysisofcatchmentareasandlocaleconomies.

Public sector consultancy:providesstrategicanalysistocentral,regionalandlocalgovernment,includingpolicyadvice,localeconomicassessments,regenerationanalysisandimpactstudies.Specialismsincludelocaleconomicmodelling,marketresearch,skillsandlabourmarketanalysis,andthesocio-demographicdeterminantsofeducational,healthandhousingpatterns.

Strategic consultancy and research:helpsregionalandlocalgovernmentagenciestodevelopstrategiesandformulateactionplans.Techniquesincludescenarioandfuturesanalysis,socio-economicaudits,marketresearchonemergingtrends,consultationsandworkshopleadership.AllworktakesplacewithinanISOqualityframeworkandisbasedonathoroughknowledgeoftheregionsconcerned,policyframeworksandresearchevidenceontheeffectivenessofpolicies.

Belowaresomeexamplesofthetypeofreportsandservicesavailable.

Global Futures: Thisisaquarterlyreportcontainingextensiveforecasts,analysisandinformationtohelpclientsunderstandtheimpactoftheeconomic,financialandbusinessclimateoninvestmentsinover40countries.

European Regional Service:Thisprovidesawealthofhistoricaldataandten-yearforecastsforapproximately2,000regionsin30Europeancountries.TheservicecoversallkeycentresintheEU,includingthenewmemberstates.Localareadataisalsoavailableforanumberofcountries.

Regional Planning Service:ThisprovidesbusinessesandpolicymakerswithanalysisofUKindustrialandregionalperformance.ItprovidescomprehensivedataandquarterlyforecastsforthenexttenyearsatUKandGovernmentOfficeRegion(GOR)levels.

Local Markets Database:ThisisanonlineservicethatprovidesinstantaccesstohighqualityeconomicdataandlocalareaeconomicforecastsinareadytouseInternet-basedformat.

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UK Property Market Forecasting Service:Thisprovidesforecastsofrents,capitalvalues,totalreturnsandtheunderlyingeconomicfactorsthathavedrivenpropertymarketsfornearlyadecade.

European Property Forecasts: Thisprovidescomprehensiveandconsistentforecastsofrents,capitalvaluesandtotalreturnsfortheprincipalEuropeancentresascoveredbyIPD(InvestmentPropertyDatabase).

Skills Futures:Thisprovidesin-depthknowledgeandbespokeresearchonindustrysectors,occupationsandregionalandlocallabourmarkets.Theteamworkswithbothpublicandprivatesectorclientstohelpthemunderstandissuesrelatedtoskillsandthelabourmarket.

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The clientTheclientisonetheworld’slargestmanufacturersofmobiledevicesandaleaderinprovidingequipment,servicesandsolutionsfornetworkoperators.Ithasover58,000employeesfrom128differentnationalities.

The issues/challengesTheclientwantedtodeepenitsunderstandingofsocialandconsumertrendsacrossadiverserangeofglobalculturesandmarketsinordertoinformitsmarketing,strategyandhelpitsnewproductdevelopmentteams.TheclientdecidedtoappointanagencytoassistitindevelopingthisunderstandingintheEuropeanmarketandintheprojectwouldhelpitsbusinessunitsdecidewhichkeyconsumerneedsitshouldbefocusingonforthefuture.

The solutionThenVisionEuropeserviceprovidedbytheFutureFoundationfromExperian,offeredalargeamountoftheinitialcontentandinsightforthisproject.ThisdatawasthenaugmentedbyoriginalresearchfromconsumersandapanelofkeyexpertsandopinionformersfromacrossEurope.FutureFoundation’sonlinemethodologyforthequantitativesurveyswasdeemedthemostcost-effectivesolution,basedonthetimescaleavailableandthespecificrequirementsoftheclient.FurtherinterpretationandanalysiswasthencarriedbytheFutureFoundation.Thishelpedtomakethecontentmoreclient-specificandmoretailoredtotheclient’sissuesandhypothesesthanthestandardnVisionproduct.

Thestudywasthenusedtoformulatebusinessimplicationsforclientstakeholderswhichwascommunicatedviaanewwebsiteusingatemplatethathadbeendesignedincollaborationwiththeclient.

Case studynVision provides insight into consumer trends across Europe


What we do : Interactive

Interactive is establishing a leading position as a reliable information source for consumers for key financial transactions and purchasing decisions to lower the cost of daily living. It has two core business activities: Consumer Direct and lead generation.

In the UK and US, Experian Consumer Direct offers consumers the ability to check their credit report and score online and to monitor the report for any changes. By enrolling in a credit monitoring programme, consumers are notified of any new or changed data reported on their personal credit file, which is a possible indication of identity theft. This product enables them to monitor the accuracy and completeness of their credit report, manage credit obligations more effectively and control unauthorised access. Experian Consumer Direct charges consumers a monthly membership fee for its various monitoring products and a transaction fee for one-off purchases of credit reports or scores.

Through its lead generation businesses, Experian is a trusted intermediary on the Internet and connects consumers to businesses, enabling consumers to identify financial services products through LowerMyBills.com, research products and shop online through PriceGrabber.com and enrol in online education programmes through ClassesUSA. These businesses provide valuable free services to consumers to help them make more informed decisions. In turn, Experian is paid on a pay-for-performance basis by clients for each lead generated through this marketing service.

Interactive has relationships with leading portals including Yahoo, AOL and MSN. It attracts over 24 million unique visitors to its various owned websites each month and is one of the largest online financial services advertiser in the US.


What we do : Interactive : Consumer Direct

Experian’s direct-to-consumer operations are the clear leader in this fast growing market in both the US and UK.

ConsumerDirectprovidesconsumerswithinstantaccesstoboththeircompletecredithistoryandtomonitoringproductsthatprovideemailortextnoticesofanychangesthathaveoccurredtotheircreditreport.Italsoprovidesidentitytheftpreventionproducts,fraudresolutionservicesandinformationprotectionproducts.

Experiancontinuestobetheleaderintheonlineconsumercreditmembershipindustry,buildingoneofthelargestfinancialservices-relatedpartnerprogrammesandofferingconsumersimmediateaccesstoafullsuiteofcreditproductsthroughco-brandedpartners.Experiandeliversmorethan500,000creditreportsmonthlyintheUStoconsumerswhosubscribetotheservices.OverthreemillionreportshavebeendeliveredintheUKin2006/7.

Products–USThedirect-to-consumerofferingintheUSiscomprisedofthefollowingInternet-basedproducts:

Instant Single Credit Reportisaproductthatprovidesaneasilyreadablecreditreporttoanindividualconsumer.Reportsareavailablefor$10.00each.

PLUS Scoreisaconsumer-friendlyproductthatprovidescurrentcreditscoreinformationalongwithpositiveandnegativefactorsaffectingtheconsumer’sscore.Theproductispricedat$5.00.

Three Bureau ReportprovidesinstantonlineaccesstoareportthatcombinesExperian,EquifaxandTransUnioncreditinformation,enablingconsumerstoreviewdatamaintainedbyallthreecreditreportingagenciesinoneeasytoreadformat.ConsumersalsoreceiveafreeExperiancreditscore.Thisserviceispricedstartingat$39.95.

CreditCheck MonitoringisamonthlysubscriptionbasedproductthatprovidesunlimitedaccesstoExperiancreditreportsanddailymonitoringforeachmember.Additionalfinancialtoolsandeducationalinformationarealsoincludedinthemonthlysubscriptionpriceof$9.95.

Triple AlertSMoffersconsumersdailymonitoringofallthreenationalcreditreportingcompanies’creditreportsandsendsconsumersnotificationviaemailand/orSMSmobiletextalertswhencriticalchangesaredetectedonanyoftheconsumers’threecreditreports.Aspartoftheirmembership,consumersreceive$10,000inidentitytheftinsurance.Theyalsohavetoll-freeaccesstofraudresolutionprofessionalsshouldtheybecomevictimsoffraudoridentitytheft.Educationalresourcessuchasarticlesoncreditandfinancialcalculatorsareavailabletomembersthroughtheirpersonalonlinecreditcentre.TripleAlertisavailabletoconsumersfor$4.95permonth.

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Triple AdvantageSMoffersservicesinadditiontoTripleAlertSM.MembersreceiveunlimitedExperiancreditreportsandcreditscoresandalsohavetheopportunitytopurchasediscountedreportsatanytimefromtheothertwocreditreportingcompanies.Monthlycreditscoretrending,creditscoreanalysis,acreditscoresimulatorand$50,000inidentitytheftinsurancearealsoincluded.TripleAdvantageisavailabletoconsumersfor$12.95permonth.

MarketingchannelsMarketingintheUSoperatesthroughtwoprimarychannels:

Partner network websitesorlinksareestablishedforclientswithalargenumberofexistingsubscriberbases(i.e.financialservicescompanies,majorcreditcardissuers,InternetportalsandISPs).Theseclientsuseamixoftraditionalandweb-baseddirectmarketingtoattractcustomers,including:weblinks,bannerads,statementinserts,emailanddirectmail.PremierpartnersitesincludeMSN,Yahoo!andAOL.

TV and radio advertisingisusedextensivelybyExperian’sdirect-to-consumerinitiativetoattractnewmembers.

Products–UKCreditExpertisanonlinecreditmonitoringandidentityfraudprotectionmembershipservicewhichwassuccessfullylaunchedinSeptember2003.Basedonextensiveconsumerresearch,CreditExpertoffersapremiumonlineserviceforUKconsumersandwasadaptedfortheUKmarketfromthesuccessfulUSdirect-to-consumerbusinessmodel.

Theserviceisofferedona30-day,noobligation,freetrial,whenaconsumerordersamonthlymembershipforjust£5.99.Itisanidentityfraudprotectionserviceandhelpspeopletounderstandtheircreditcommitmentsandmanagetheirfinances.Bysubscribingtothisserviceaconsumercanhave:

– unlimitedonlineaccesstotheircreditreport;

– knowledgeoftheircredithistorybeforeapplyingforafinancialproduct;

– emailandtextalertsforearlyfrauddetection;

– freephoneadvicefromcreditreferencespecialists;

– credittipsandtoolstohelpmanagetheirmoney;

– theopportunitytobuytheircreditscoreinstantly;

– quarterlynewsletters.

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ConsumerscanalsopurchasetheirNationalCreditScore,whichisavailabletomembersfor£5.95.CreditExpert’spartnerprogrammeofferswebsitestheopportunitytogivetheirusersaccesstoCreditExpertandtoeducateusersabouttheimportanceofcreditmonitoringandtheincreasingriskofidentityfraud.PartnerswillgeneraterevenuefromeveryuserthatsignsupforafreetrialoftheCreditExpertservice.

CreditExpertpartnerswithmostoftheleadingonlinebrandsintheUKandcurrentlyhasover1,500partnersincludingMSNandYahoo!ConsumerDirect’smembershipservicesbusinessprovideswhitelabelcreditmonitoringandfraudresolutionservicesthroughre-sellersanddirectlytobanksandotherorganisations.Theseorganisationslooktodifferentiatetheirproductslines,retaincustomersandboostrevenuebydrawingoncoreproductfeaturesfromCreditExpert.

The clientMSNisoneoftheworld’slargestInternetportals,givingmillionsofpeopleaccesstoarangeofspecialistsitesandservices.Itsfinancialsection,MSNMoney,isoneofthemostpopularpersonalfinancewebsitesintheUK.

The issues/challengesTofindnewwaystospreadthemessageabouttheimportanceofcreditreportmonitoring.

The solutionIn2004,MSNMoneybecameapartnerforExperian’sonlineCreditExpertservice,expandingonasuccessfulandestablishedrelationshipwithExperianintheUS.

CreditExpertgivesconsumersunlimitedonlineaccesstotheirExperiancreditreport,enablingthemtoseethesameinformationthatfinancialorganisationsusewhenmakingdecisionsaboutlendingmoney.

Inreturnforamonthlysubscriptionfee,CreditExpertuserscanmonitorchangesintheirreportandcheckthattheinformationitcontainsisuptodateandaccuratelyreflectstheirsituation.Emailortextmessagealertsaresenttothemifasignificantchangeoccursthatmightindicateattemptedidentifyfraud.

Subscribersalsohaveaccesstohelplinesstaffedbyexpertsincreditmattersandidentityfraud,aswellasalibraryofinformationaboutcredit-relatedandidentityfraudissues.

“CreditmonitoringisstillarelativelynewconceptforconsumersintheUK,butwithrisingpersonaldebt,soaringhousepricesandwidepublicityaroundtheriskofIDfraud,itissettobecomepartofeverydaylife,”saysAlastairBruce,SeniorContentManagerforMSNMoney.

“CreditExpertisalogicalextensionoftheservicesweprovidethroughMSNMoney.Visitorstooursitecannowlearnhowtotakecontroloftheircredithistory,whichhelpsthemtogetthecredittheyneedinfuture,andmoreimportantly,guardagainstidentityfraud.”

MSNisoneofseveralpartnerswithwhomExperianworkstofindnewwaystospreadthemessageabouttheimportanceofcreditreportmonitoring.Morethan2,000websiteshaveagreementstopromoteCreditExpertintheUK.

Case studyMajor financial portal supports responsible lending with CreditExpert


What we do : Interactive : Lead generation

Experian has built up a significant presence in the fast growing business of connecting consumers to companies over the Internet (online lead generation), where companies pay Experian for each lead generated. Experian Interactive Media now operates in the mortgage, comparison shopping and online education sectors.

MortgagesLowerMyBills.comisaleadingonlinemortgageleadgeneratorintheUS.

LowerMyBills.com’svisionistoprovideconsumerswithaone-stopInternetdestinationtoobtainbetterdealsonalltheirrecurringmonthlyexpenses.IthasaleadingpositionintheUSmarket,connectingconsumersseekinghomemortgageswithlendersbestsuitedtoprovidethem.Thebusinessisquicklydiversifyingintootherhighgrowthsegmentsincludingcreditcardsandinsurance.

LowerMyBills.comattractscustomersbyadvertisingonawidevarietyofwebsitesincludingthemajorportalssuchasMSN,AOLandYahoo!.

Consumerswhoclickthroughonmortgageadvertisements,forexample,aretakentotheLowerMyBills.comwebsite,wheretheyprovideinformationrelevanttothemortgageapprovalprocess.ThisinformationisthenmatchedagainstthelendingcriteriaoftheclientsofLowerMyBills.comandqualifyingleadsarepassedontouptofivedifferentlenders.LowerMyBills.com’snationalnetworkoflendersincludesover300companies.

Thelendersthencontacttheconsumer,whocanchoosethemostappropriateoffer.LowerMyBills.comispaidforeveryleadpassedontoeachlender.Thisserviceisfreeforconsumers.

OnlineeducationClassesUSAisaleadingonlinehighereducationportal.Eachmonth,morethan1.5millionadultsvisitthesite,whichhasaccesstomorethan100accreditedcollegeanduniversitypartners.

Sinceenteringtheonlinehighereducationmarketplacein2001,ClassesUSAhasfosteredpartnershipswithmanyportalsandwebsitesandhasbuiltareputationasoneofthemosttrustedandrecognisedbrandsprovidingprofessionaladultswithaccesstoonlineeducationalopportunities.ClassesUSAalsopublishesOnlineDegreesMagazine,abiannualnationalpublicationdesignedtoempoweradultsconsideringdistancelearningasatooltousetoadvancethemselvesbothpersonallyandprofessionally.


ComparisonshoppingPriceGrabber.comisaleadingproviderofonlinecomparisonshoppingservices.Thewebsiteallowsmillionsofconsumerstosearchandcompareinformationaboutproducts,services,merchantsandsellersinordertomakeaneducatedpurchasedecision.

ThroughcontinuedinnovationandconsistentfocusonprovidingthebestcomparisonshoppingexperienceontheInternet,PriceGrabber.comhasestablisheditselfasoneofthemosteffectiveonlinedestinationsfordiscerningshoppers.

ByusingPriceGrabber.com,shopperscaninstantlyfindandcomparemillionsofuniqueproductsandservicesfromthousandsofmerchantsandsellersin25productchannels,therebyenablinguserstofindtherightproductfromtherightmerchant/selleratthebestprice.Thefree,unbiasedcomparativeinformationcoversitemsasdiverseascomputers,electronics,clothing,furniture,jewellery&watches,movies,sportinggoods,videogames,andtoys.

AtPriceGrabber.co.uk,consumerscanfindproductsandservicesin19categoriesandoffersshopperstheabilitytoviewandcompareover500merchantsandsellersonthesite.PriceGrabber.co.ukconnectsitsonlineshopperstomerchantsandsellersofallsizesandscopesuchasComet,Amazon,PCWorld,Sainsburys,LauraAshleyandJohnLewis,tosmallerlocalityspecialityretailers.

InformationavailableonthesiteincludestheBottomLinePrice™(whichincludestaxandshippingestimates)productdescriptionsandtechnicalspecifications,consumerreviewsofproductsandmerchants,side-by-sideproductcomparisonsandemailnotificationofpersonalizedtargetprices(ProductTracker).

ThecompanysupportsthecomparisonshoppingfunctionalityforanetworkofleadingInternetsites,includingAOLShopping,MSNShopping,About.com,Comcast,PCWorldandmanyoftheadvertisingplacementsextendacrossthesewebproperties.

BelowaresomekeystatisticsaboutthePriceGrabberwebsiteandtheconsumerswhovisitit:

12,880 Merchants and SellersPriceGrabberoffers100millionmonthlyimpressionsexclusivelytoanaudiencethatisintheprocessofmakingapurchasedecision.InadditiontoRunofSiteofferings,PriceGrabberoffersproductcategorytargetedimpressionssothatadvertiserscanreachtheirmediabuyingtargets.

26 Million Unique Shoppers26milliondifferentconsumersvisitPriceGrabbertoshopforproductsacross25productchannels.TheprimaryreasonsthisinfluentialaudiencevisitsPriceGrabberistodeterminewhatproductstobuyandwheretogetthebestdealonthem.Thisprovidesforanexcellentplatformforadvertiserstopromotetheirbrandattributes.

450+ Network of SitesThePriceGrabberdistributionnetworkextendsacross450+partnerwebsitesandmanyoftheadvertisingplacementsextendacrossthesewebproperties.AfewpartnersincludeAOLShopping,MSNShopping,About.com,Comcast,andPCWorld.

$450+ Average Sale OrderThistellingmetricshowsthatPriceGrabber.comshoppershavesignificantpurchasingpower.Additionally,itdemonstratestheleveloftrustthesegmenthasforPriceGrabberanditsadvertisers.

18-54 Age RangeAyoungdemographiclendsitselftomanyyearsofpurchasingpowertocome.InvestmentinbrandequitythroughPriceGrabberyieldsahigherreturnoninvestmentduetomoreyearsofpurchasingpower.

67% College EducatedAmoreeducatedconsumerpooltranslatesintohigherpurchasingpower.

$71,000 Average Yearly IncomeThePriceGrabberaudienceisfinanciallycapableofreactingtoaneffectivemessagepresentedbyanadvertiser.

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The clientVioSoftwareisanonlineproviderofwholesalesoftwaresolutionsforclientsrangingfromindividualconsumerstoFortune500companies.Withacomprehensiverangeofproducts,VioSoftwareisabletoprovideconsumerswithleadingbrandsoftwareofferingsatcompetitiveprices.

The issues/challengesWhenestablishedin1999,VioSoftwarewantedtoincreasepublicawarenessofitsstrongproductofferingsandlowpricesinordertobuildasteadyclientbase.

In2001,VioSoftwareturnedtoPriceGrabber.comasameansofgeneratingadditionalconsumerleads,increasingsoftwaresalesandestablishingapresenceintheonlinesoftwaremarket.

Originallyatext-onlylistedcustomeronPriceGrabber.com,VioSoftwareevolvedtobecomeafeaturedmerchant,withanabove-the-fold,premierlistingthatincludedtheirlogo.Withthispreferentialonsite-placement,VioSoftwarewaswell-positionedtotakeadvantageoftheapproximately24millionconsumerswhovisitthePriceGrabber.comsiteeverymonth.

The solutionSincepartneringwithPriceGrabber.com,VioSoftwarehasenjoyedgreaterbrandawarenessandvisibility,andincreasedsalesbymorethan700percent.

PriceGrabber.com’seasy-to-usesitelayoutandinnovativetechnology,whichincorporatesmeasurablesiteratings,hashelpedbringqualityshopperstotheVioSoftwaresite,ultimatelyleadingtoagreaternumberofconversionsandsales.PriceGrabber.com’sproductsandstrategiccouncilfromitsexperiencedaccountmanagementteamhavehelpedVioSoftwareconsistentlygrowitsbusinessduringthepastsixyears.

Case studyUsing PriceGrabber.com improves brand awareness and increases sales by over 700 per cent


3.00Detailedfinancialanalysis

ThissectionprovidesfurtheranalysisofExperian’ssales,profitandmajoracquisitions.

Detailed financial analysis


Sales and profit by geography

12 months to 31 March 2007 2008 US$m US$mSalesNorthAmerica 1,985 2,061LatinAmerica 5 324UKandIreland 843 965EMEA/AsiaPacific 574 710

Totalcontinuingactivities 3,407 4,059Continuingactivitiesgrowth%1 14% 14%Underlyinggrowth%2 8% 4%

EBITNorthAmerica 573 608LatinAmerica (4) 75UKandIreland3 212 226EMEA/AsiaPacific 73 87Centralactivities (47) (57)

Totalcontinuingactivities 808 938Continuingactivitiesgrowth%1 15% 13%EBITmargin%4 21.9% 21.8%

1 Growth excluding discontinuing activities at constant exchange rates2 Growth excluding discontinuing activities and corporate acquisitions at constant exchange rates3 2007 UK and Ireland EBIT includes an $8m Marketing Services restructuring charge4 EBIT margin excludes FARES

NorthAmerica

12 months to 31 March 2007 2008 US$m US$m

SalesContinuingactivities 1,985 2,061Continuingactivitiesgrowth%1 15% 4%Underlyinggrowth%2 8% 3%

EBITDirectbusiness 512 554FARES 61 54

Continuingactivities 573 608Continuingactivitiesgrowth%1 21% 6%EBITmargin%3 25.8% 26.9%

1 Growth excluding discontinuing activities2 Growth excluding discontinuing activities and corporate acquisitions3 EBIT margin excludes FARES

Experian


12 months to 31 March 2007 2008 US$m US$m

SalesContinuingactivities 5 324Continuingactivitiesgrowth%1 38% >100%Underlyinggrowth%2 38% 43%

EBITContinuingactivities (4) 75Continuingactivitiesgrowth%1 n/a n/aEBITmargin% n/a 23.1%

1 Growth excluding discontinuing activities2 Growth excluding discontinuing activities and corporate acquisitions at constant exchange rates

UKandIreland

12 months to 31 March 2007 2008 US$m US$mSalesContinuingactivities 843 965Continuingactivitiesgrowth%1 17% 8%Underlyinggrowth%2 7% 3%

EBIT Continuingactivities 212 226Continuingactivitiesgrowth%1 12% 0%EBITmargin%3 25.1% 23.4%

1 Growth excluding discontinuing activities at constant exchange rates2 Growth excluding discontinuing activities and corporate acquisitions at constant exchange rates3 2007 EBIT margin excludes an $8m Marketing Services restructuring charge

EMEA/AsiaPacific

12 months to 31 March 2007 2008 US$m US$mSalesContinuingactivities 574 710Continuingactivitiesgrowth%1 8% 13%Underlyinggrowth%2 7% 7%

EBIT Continuingactivities 73 87Continuingactivitiesgrowth%1 8% 7%EBITmargin% 12.7% 12.3%

1 Growth excluding discontinuing activities at constant exchange rates2 Growth excluding discontinuing activities and corporate acquisitions at constant exchange rates

LatinAmerica


Sales and profit by principal activity

12 months to 31 March 2007 2008 US$m US$m Change %1

SalesCreditServices 1,503 1,901 1%DecisionAnalytics 392 469 7%MarketingServices 728 830 1%Interactive 784 859 9%

Totalcontinuingactivities 3,407 4,059 4%

EBITCreditServices 419 520DecisionAnalytics 136 154MarketingServices 65 78Interactive 173 189FARES 61 54Centralactivities (47) (57)

Totalcontinuingactivities 808 938

EBIT margin2

CreditServices 27.9% 27.4%DecisionAnalytics 34.7% 32.8%MarketingServices 8.9% 9.4%Interactive 22.1% 22.0%

Totalcontinuingactivities 21.9% 21.8%

1 Growth excluding discontinuing activities and corporate acquisitions at constant exchange rates2 EBIT margin excludes FARES

ExperianGlobal


Sales by geography and principal activity


CreditServices 804 807 0%DecisionAnalytics 77 82 7%MarketingServices 353 380 2%Interactive 751 791 5%

Totalcontinuingactivities 1,985 2,061 3%

1 Growth excluding discontinuing activities and corporate acquisitions at constant exchange rates

LatinAmerica


CreditServices - 305 n/aDecisionAnalytics 5 8 43%MarketingServices - 10 n/a

Totalcontinuingactivities 5 324 43%


UKandIreland


CreditServices 266 293 1%DecisionAnalytics 215 247 0%MarketingServices 329 356 (3%)Interactive 33 68 95%



EMEA/AsiaPacific


CreditServices 433 495 3%DecisionAnalytics 95 132 20%MarketingServices 46 83 11%



NorthAmerica


Cost analysis

12 months to 31 March As a percentage 2007 2008 of sales US$m US$m Change %1 2007 2008Sales 3,407 4,059 14% 100% 100%Labour (1,472) (1,759) 14% (43%) (43%)IT (189) (209) 5% (6%) (5%)Data (171) (211) 18% (5%) (5%)Customeracquisition/marketing (404) (427) 5% (12%) (11%)Other (377) (512) 29% (11%) (13%)

Totalcosts(beforecentralactivities) (2,613) (3,119) 14% (77%) (77%)Centralactivities (47) (57) 15% (1%) (1%)

Totalcosts (2,660) (3,176) 14% (78%) (78%)

EBIT–DirectBusiness 747 884 15% 22% 22%FARES 61 54 (11%) 2% 1%

EBIT 808 938 13% 24% 23%

Analysis excludes discontinuing activities1 At constant exchange rates

Experian–definitionofcosts

Labour Basepayroll,bonusandcommission,LTIP,pension,travel,recruitmentandtrainingIT Computercosts(includingdepreciation)andITtelecommunicationscostsData DatapurchasedlessamountscapitalisedplusdataamortisationMarketing MainlyInteractiveOther Otherdepreciation,occupancy,royaltiesandvoicetelecommunicationsCentral activities Finance,treasuryandotherglobalfunctions

Experian


Experian

Cash flow

12 months to 31 March 2007 2008 US$m US$mEBITcontinuingactivities 808 938EBITdiscontinuingactivities 18 7

TotalEBIT 825 945Depreciation/amortisation 237 288Capitalexpenditure (275) (344)Workingcapital 39 30Dividendfromassociates,lessshareofprofit (22) (17)

Operatingcashflow 804 902



4.00Mainproductsandservices

Onaglobalbasis,Experianprovideshundredsofproductsandservices.Includedinthissectionisabriefdescriptionofsomeofourcoreofferings.

Main products and services


Main products and services : Credit Services

Automotive databases:informationonmotorvehiclestoenableanalysisofsalestrends,franchiseprofitabilityandlocationandplanningofmarketingcampaigns.

AutoCheck:vehiclehistoryreportsprovidetheautomotiveindustryanditscustomerswithhistoricalinformationaboutpre-ownedcarsandtrucks(US).

Auto Prospect Online:onlinetoolthatenablesautomotivedealerstoidentifytheirmostprofitableprospectsandthencreateandorderdirectmarketinglistsbasedoninformationobtainedfromtheNationalVehicleDatabaseandtheINSOURCEconsumerdemographicdatabase(US).

Backgroundchecking.com:offersdetailedcandidatepre-andpost-employmentscreeningservicestoclientsintheUKandinternationally.

BizApps online:web-basedinterfaceforbusinesscreditinformationservice(US).

BizInsight online:web-basedlistselectionandfulfilmentsystemfortheNationalBusinessDatabaseandHotlineDatabases(US).

Business information:financialandcreditinformationonlimitedcompanies,soletraders,partnershipsandcompanydirectors.

Candidate Verifier:CVpre-screeningforemployersandrecruitmentagencies,includingpreviousemploymentandacademicqualifications.

Car Data Check:vehiclehistoryandspecificationverificationserviceforusedcarbuyersinmotortrade,insurance,financeandauctions.ConsumerscanaccesstheservicethroughtheAAintheUK.

Consumer credit bureaux:inUS,UK,Ireland,Bulgaria,Canada,Denmark,Estonia,Italy,Netherlands,Norway,Spain,Romania,Russia,SouthAfricaandBrazil.

Consumer credit information:public(e.g.electoralroll,countycourtjudgments)andpersonalfinancialinformation(e.g.creditaccounthistory)onprivateindividuals,usedforcreditcheckingpurposes.

Eiger Systems:developsbankaccountvalidationandpaymentprocessingsoftware,whichreducestherisksandcostsinvolvedwithelectronictransactions.

Pre-screen:directmarketinglistsscreenedagainsttheFileOnedatabaseintheUStoqualifyconsumersforspecificcreditoffers.Usedbylenderstoeliminatemailingstohigh-riskprospectsandtopre-approvecredittermsforconsumerswhomeettheclient’screditcriteria.

Property databases:plans,mapsandstatisticalinformationonretaillocationsandUKpropertystatistics.

Risk scoring (commercial):statisticalmodellingthatpredictstheprobabilityofabusinessfailingwithin12-24months.

Tenant Verifier:tenantcheckingserviceforlettingagentsandlandlords,providingafinancialcheck,previouslandlord’sreferenceandanemployer’sreferenceonprospectivetenantsforrentedproperty.

Triggers:dailyservicealertingclientstochangesinaconsumer’screditbehaviour.Clientsusecreditderived‘triggers’todriverisk,accountretentionandmarketingdecisionstoimprovecustomerrelationships.

Unclaimed Assets Register (UAR):asearchfacilityforunclaimedfinancialassets,suchaslifepolicies,pensionsandequities(UK).

VantageScore:Developedjointlybythethreenationalcreditreportingcompanies,inresponsetoclientneedsformorepredictiveandconsistentcreditriskscores.

Main products and services : Decision Analytics

Application scoring:statisticalmodellingtopredicttheprobabilityofanapplicantbeingunabletorepayaloanordebt.

Autoscore:Experian’sproprietaryapplicationprocessingandscoringsystem.

Autotrace:automatedsystemfortracingabscondingdebtors.

Baker Hill Advisor:asecure,browser-basedinfrastructuresystemthatmanagesallclientinformationacrossalllinesofacommerciallendingbusiness.

Baker Hill One Point:afullyintegratedcustomerrelationshipmanagementsystemforcommerciallendersthatconsistsofmodulesforsalesautomation,collateralandexceptionmanagement,creditriskmanagementandprofitabilityandpricing.

Baker Hill Origination Solutions:managestheentirecommercialloanprocess,fromoriginationtounderwritingandacceptancetodocumentpreparationandbooking.

Bankruptcy scores:statisticalriskmodelsforpredictingtheprobabilityofaconsumerfilingforbankruptcy.

Behavioural scoring for customer management:statisticalmodelsbasedonthecustomer’slifestyleandcreditbehaviour;usedtopredictfuturebehaviourandtodetermineactionstobetakenbythelender.

Behavioural scoring for marketing:statisticalmodelsbasedonthecustomer’slifestyleandpreviousresponsestomarketingoffers;predictsfutureresponsestooffersanddeterminesthemostappropriatepropositiontobemadeandthebestmedium.

Bureau scoring:genericcreditscoresbasedoncreditreferencebureaudataonly.

CEMS:combinesExperian’sdataassets,analyticalcapabilitiesandstrategydecisioningsoftwaretomakereal-timecustomeracquisitiondecisionsbasedonaccurateinformation.

Commercial Delphi:usingstatisticaltechniquestocalculateriskandreducetheelementofsubjectivityinlendingtobusinessandtradecreditdecisions,enablingbusinessestomanagefinancialriskbyidentifyingpotentialrisksbeforetheyhappen.

CollectSM:acollectionsanddebtrecoverysolutionthatallowsfinancialservicesorganisationstoadoptamorestrategicandanalyticalapproachtotheircustomerservice,collectionsanddebtrecoveryprocesses.

Collection advantage:integratedcollectionsmanagementtoolprovidingconsumercontactdata,credit-basedscoringandadvancedanalytics(US).

Consumer Indebtedness Index:measuresthelevelofindebtednessofconsumers,withoutrelyingondetailedknowledgeoftheirmonthlydisposableincome,byassessingaborrower’stotaldebtlevelsandpredictingthelikelihoodofrepayment(UK).

Delphi for Customer Management:bureau-basedbehaviouralscoringsystemandaccountmanagementforexistingcustomers.

Delphi for New Business:bureau-basedapplicationscoringsystemfornewaccounts.

Detect:real-timecreditapplicationfraudpreventionsolution.

E-identitycheck:combatsidentityfraudbyprovidingaqualifiedassessmentofthedegreeofconfidenceinacustomer’sonlineidentity.

Hunter II:thenextgenerationofHunter–developedonawebbasedarchitecture,providingonlinefunctionality,fullaudittrails,fraudscorecards,flexiblerulesconfigurationandadhocreporting.

Knowledge IQ:challenges-responseprocessesusingpersonal,confidentialquestionsfromcreditandotherdatabasestowhichonlytheconsumerknowstheanswer.

Intelligent Business Reporting (Reporting Studio):anadvancedreportingandmonitoringsolutionthatgivesusersimmediateaccesstobusinessintelligence.

Intelliscore:suiteofstatistically-derivedscoringmodelsdesignedtopredictthelikelihoodofseveredelinquencyoverthenext12months.Utilisescommercialdataandblendedcommercialandconsumerdatawhereappropriate.

New BusinessSM:asolutionfornewbusinessacquisition,enablinglenderstocentralise,monitorandchangelendingstrategiesquickly.

Precise ID:validatesandverifiesapplicationdatathroughmultiplecreditandnon-creditdatabasesandreturnshighlypredictivefraudandidentityriskscores.

ProbeSM:acompletebusinesssolutiondesignedtomanageexistingcustomerrelationshipsbybringingtogetherpowerfulbehaviouralscoringtechniques,segmentation,portfolioanalysisandstrategyexperimentation.Enableslenderstocontrollimitmanagement,authorisations,collectionsandmarketingstrategies.

Strategic and business consultancy:consultancyandadvisoryservicesforprovidingandimplementinginnovativesolutionsthroughoutthecreditlifecycle.

Strategy Management:helpscompaniesmakemoreintelligentdecisionsaboutwhethertoacceptnewcustomers,extendthecreditarrangementsforexistingcustomersortargetthemwithnewproducts.

Strategy optimisation:usesobjectivemathematicallybaseddecisioningatanindividualcustomerleveltohelpanorganisationidentifythehighestpossiblereturnfromitscreditstrategies,givenitscustomerneeds,operationalconstraintsandstrategicgoals.

TransactSM:comprehensiveapplicationprocessingsystemincorporatingStrategyManagementdecisioning.



Main products and services : Marketing Services

Absolute Movers:datasourceforsuppressingfrommailingliststhenamesandaddressesofindividualswhohavemoved.

Acquisition and response models:scorecardstoanalyseconsumerresponsestodirectmarketing.

BehaviorBank:consumer-suppliedlifestyledatawithcoverageonmorethan35millionhouseholdsand40millionindividuals(USequivalenttoCanvasseintheUK).

Canvasse:consumerlifestyle,demographic,financialandgeodemographicdatabasefortargetmarketing(UK).

CheetahMail:emaildeliverytechnologytohelpclientsusemultipledeliverychannelstocommunicatewithcustomersanddrivesales.

CircBase:co-operativedatabaseofdirectmailrespondersforpublishers,covering161publicationsand63millionsubscribers(US).

Cottage Industry File:asegmentoftheNationalBusinessDatabasefeaturinghome-basedbusinesses(US).

Customer data integrity:completing,validating,suppressing,enhancingandintegratingcustomerdatatoimprovethequalityofcustomerinformation.

Delphi for Mailings:bureau-basedpre-screeningsystemtoensurefinanciallyrelatedoffersaretargetedtoappropriateconsumers.

Elements:ClarityBlue’sintegrateddirectmarketingplatform.

Emailing Solution:aleadingFrenchpermission-basedemailmarketingprovider.

Experian Intact:datacleansing,suppressionandenhancementservice,processinginexcessof500millionrecordsayear.

Goad Explorer:decisionsupporttoolforpropertyprofessionalsworkingwithinmultipleretailers,agencies,developersorinvestmentcompanies.Containsasetofdigitalplansandassociateddataaboutretailoutletsforover1,300ofthecountry’sretailcentres(UK).

Hitwise:collectsandaggregatesinformationfromInternetServiceProviders(ISPs)onhowconsumersuseandsearchtheInternetintheUS,UK,AustraliaandothercountriesinAsiaPacific.

Informarketing:providesdirectmarketingservicestofinancialinstitutionsinBrazilincludingdatabasemanagement,mailinglistanalysisandcleansing,dataenhancementandenrichmentandmarketingcampaignmanagement.

INSOURCE:databasecombiningdatafromhundredsofpublicandproprietarysourcestoprovideextensivemarketinginformationonUSconsumers.

Intelligent suppression management:intelligentlymanagingcustomercommunicationpreferencestohandlethecomplexitiesofcustomercontact,whilststrikingabalancebetweencorporatecomplianceandmaximisingmarketingopportunity.

Intravue Campaign Management:acustomermanagementsolutionintegratingpowerfuldatabasetechnology,campaignmanagementsoftware,marketinginformationandanalyticalexpertise.

Lifestyle data:resultsofquestionnairesfocusedonconsumers’lifestyles,habits,attitudesandpurchasingbehaviour.

List processing:createslistsfordirectmailfromsingleormultiplesources,cleansedforduplicatenames,changesofaddress,deceasedandopt-outs.

Marketing databases:databasesofinformationaboutindividualscollectedfrommanydifferentsources,forsegmentationandtargetmarketing.

Micromarketing profiling tools:aidsdecisionmakingthroughgeographic,demographic,financialandbehaviouralinformationonconsumers;buildsapictureofthetargetaudienceforaproduct,recognisingthedifferentmotivationsthatleaddifferentdemographicsegmentstobuyeachvariantofabrand.

Mosaic:aglobalnetworkofsegmentationthatclassifiesabillionpeopleworldwide,coveringathirdoftheearth’ssurface.

nVision:anonlineUKandEuropeanconsumerinsightservicethatresearchesandprovidesmarketanalysesonemergingconsumermarkets.

Parc Locator:softwarepackageformotormanufacturersanddealerstoanalysesalestrendsandcustomers,anddevelopmarketingstrategies.

Profiling and segmentation:analysisofconsumerstoidentifycharacteristicsthatleadtocertaintypesofpurchasingbehaviour.

Prospect Locator:onlinedirectmarketinglistswithsearchcriteriabasedondemographics,lifestyleorbusinessdata.

QuickAddress:aglobaladdressmanagementsoftwaresuitewhichhelpsclientscapture,verifyandenteraddressdataquicklyandaccuratelybyusingZIPorpostalcode,andhouseorbuildingnumber.

QuickAddress Pro:validatescustomeraddressesagainstofficialpostalauthorityrecordsinreal-time,asdataisenteredinacallcentreoratpoint-of-sale;ensuresthatbillinganddeliveryaddressesarecompleteandstandardised.

QuickAddress Pro Web:bringsreal-timeaddressvalidationtoweb-basedenvironments,includinge-commerce.

Simmons Research:collectsinformationonover8,000brandsin460productcategories,creatingdetailedconsumerprofileswithover600lifestylecharacteristics.Theinformationcanbeusedtoprovideconsumerstudies,segmentationsystemsoradvancedintegratedmarketingsolutionstoclients(US).

The FootFall Index:arepresentativetooltoassessconsumershoppingbehaviour.TheIndexmonitorsthechangingpatternofshoppervisitsacrossthemarketsinresponsetoeventsthatimpactondecisionstovisitretailoutlets.

TrueTouch:multi-dimensionalcontactsystemthatnotonlyidentifiesthebestcustomersandprospects,butthetypesofmessagesandoffersthatmotivatepurchases,thepreferredcommunicationchannelsandtheoptimumtimetocontactcustomers.

Truvue:acustomerdataintegrationsolutioncombiningcustomerdatafromdifferentsourcestocreateasinglecustomerview.



Main products and services : Interactive

ClassesUSA:anonlinehigher-educationportalwhichconnectsconsumersinterestedinenrollinginonlineeducationprogrammeswithuniversitiesandothereducationorganisations(US).

ConsumerInfo.com:adirect-to-consumeronlinecreditinformationandmonitoringservice(US).

CreditExpert.com:freeconsumereducationarticles,calculatorsandadviceonhowconsumerscanmanageandprotecttheircredithistories;offerspremiumsubscriptionproductssuchasCreditManagerandCreditReport/Score(US/UK).

LowerMyBills.com:anonlinemortgageleadgeneratorandfinancialservicesadvertiserthatprovidesconsumerswithcomparativefinancialinformationonproductssuchasmortgagesandloans(US).

PriceGrabber.com:anonlinecomparisonshoppingservicefortheUSandUKmarkets.

Triple AdvantageSM:providesconsumerswithdailymonitoringofallthreenationalcreditreportingcompanies’creditreportsandsendstextalertsviaemailorSMSmobilewhencriticalchangesaredetected(US).

Main products and services : Major databases

Automotive database:containsdetailsonownershiphistory,odometerreadingsandconditionofover600millionvehicles(US,UKandItaly).

Canvasse consumer database: fortargetmarketingwith6,000selectableelementsand14millionUKindividuals(UKequivalentofINSOURCEinUS).

Car Data Checkautomotivedatabase(UK).

CML:CouncilofMortgageLenders’PossessionsRegister–datacontributedbytheCMLandavailableonlytootherCMLmembersandtheirsubsidiaries(UK)*.

Credit Account Information Sharing (CAIS):sharedcreditaccountinformationmaintainedbyExperianonbehalfoflenders(UK).

Credit Application Previous Searches (CAPS):recordsofpreviousapplicationsforcreditfromindividuals(UK).

Credit Industry Fraud Avoidance System (CIFAS): theUK’sFraudPreventionService–suspectedfraudinformationprovidedbylenders(UK)*.

Detect:shareddatabaseofpreviouscreditapplications,usedbylenderstoidentifydiscrepanciesincurrentapplicationsthatmaybeindicativeoffraud(US/UK).

Directors’ Database:businesscredentialsofcurrentandpreviouscompanydirectorsandcompanysecretaries(UK).

Existence Verifier:databaseof13milliondeceasedpersonsinEnglandandWales;assistspensionsindustrytoverifydeceasedpersons.

File One:nationalconsumercreditrelationaldatabasewithcoverageof215millionconsumers(US).

GAIN (Gone Away Information Network):sharedinformationaboutabsconderssubmittedbyGAINmembersforusebyothermembers(UK)*.

Hotline File:B2Bmarketingdatabaseofrecentlyrelocatedbusinesses(US).

INSOURCE:nationalconsumerdatabasewithinformationonmorethan215millionconsumersand110millionhouseholdscompiledfrompublicandproprietarysources.INSOURCEincludestransactionalandlifeeventdata.

Life event information:listsidentifyingkeyprospectswithspecialneeds,suchasnewhomeowners,newmovers,newparents,expectantparents(US).

Limited Company Database:limitedliabilitycompaniesandtheirdirectors(UK).

Motor Insurance Database:vehicleandmotorpolicyrecordsfromregisteredmotorinsurers(UK).

National Business Database:businessinformationformarketingpurposes(US/UK).

National Canvasse Database:ElectoralRollreplacementcomprisingcompliantinformationsuppliedbyconsumersinthepast12months.ProvidescomprehensivecoverageoftheUKadultpopulation.

National Fraud Database:onlinedatabaseofindustry-wideconfirmedfraudrecordsusedforcombatingfraudbycomparingapplicantdatatofrauddata(US).

National Vehicle Database:databaseofover500millionlicensedandregisteredvehiclesintheUS.

Non-limited Database:dataonsmall(unincorporated)businesses,partnershipsandsoletraders(UK).

Perils:ratingandgeographicalmodelsonsubsidence,flood,wind,crime,freezeandfire(UK).

Postal address file:fullofficialpostaladdressesandpostcodesforallUKproperties(UK)*.

Public information file:informationcompiledfromRegistryTrustLtd,officialgazettesandtheInsolvencyService(UK)*.

Unclaimed Assets Register (UAR):searchfacilitythatallowsconsumerstorecoverlostassetssuchaslifepolicies,pensions,unittrustsandsharedividends(UK).

Vehicle mileage check:theUK’sleadingmileagedatabase,updateddailywithinformationreceivedfromtheDVLAandmanyothersources.

Voters’ Roll:detailsofallindividualsregisteredontheElectoralRoll(UK)*.

Z-24 National Catalog Database:dataonmorethan2.8billioncatalogueorderssuppliedbyover700cataloguers/retailcompanies(US).

* Indicates non-proprietary or third party database utilised by Experian as an integral part of its service offering.

The product names listed in this document are trademarks of Experian and/or its associated companies and may be registered.


Corporate headquarters

ExperianGroupLimitedNewenhamHouseNorthernCrossMalahideRoadDublin17IrelandT+353(0)18469100F+353(0)18469150

Operational headquarters

ExperianTalbotHouseTalbotStreetNottinghamNG801THUnitedKingdomT+44(0)1159410888F+44(0)1159344905

Corporate office

ExperianCardinalPlace80VictoriaStreetLondonUnitedKingdomT+44(0)2030424200F+44(0)2030424250

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2008ExperianLtdAllrightsreserved

Theword“Experian”isaregisteredtrademarkintheEUandothercountriesandisownedownedbyExperianLtdand/oritsassociatedcompanies

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