Experian, a global leader in data and technology, has unveiled its groundbreaking Experian Credit + Cashflow Score a new model designed to transform credit decisioning and expand fair access to credit. This first-of-its-kind score merges Experian’s trusted credit data with consumer-permissioned banking information, alternative data, and trended data, giving lenders a more complete view of a consumer’s financial health.
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Scott Brown, Group President of Financial and Marketing Services for Experian North America, emphasized that this launch represents the future of underwriting. “By combining Experian’s world-class data with real insights into how consumers manage their finances through open banking, we’re helping lenders make smarter, fairer decisions ultimately driving better outcomes and expanding financial access for all,” he said.
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The Experian Credit + Cashflow Score integrates powerful data sources, including consumer-permissioned bank account details like income, balances, and transactions, alongside traditional credit data covering more than 220 million U.S. consumers. It also draws from Clarity Services, Experian’s alternative credit bureau, to bring visibility to individuals who may lack conventional credit histories. Trended data offers an additional layer of insight, providing a 24-month perspective on how consumers manage credit over time.
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Early results show the new score delivers up to 40% greater predictive accuracy than conventional credit models, performing strongly across all lending products from personal loans to mortgages. The score, which ranges from 300 to 850, will be available for use across the entire financial lifecycle, with lenders able to access it through Experian’s Ascend Platform.
With this innovation, Experian continues to lead in shaping the future of inclusive and data-driven lending, bringing the goal of fairer access to credit one step closer to reality.
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