Improving financial health
We’re using our data, products, services and expertise to improve financial health and fulfil our ambition to help people thrive on their financial journey.
Bringing financial health to all
Improving financial health transforms lives by enabling people to get fairer access to credit. This can open the door to life-changing opportunities – from having a home or building a business to paying for education or healthcare.
One in four adults worldwide still lack access to basic financial services
28 million adults in the USA and 4-5 million in the UK are ‘credit invisible’
One in five small businesses in Brazil fail within five years and 50% of new businesses in the UK within three years
<42% in emerging economies and <70% in advanced economies are financially literate
72 million people in Brazil have defaulted on their debts, affecting their credit rating
One in three Americans and one in five Europeans have fallen victim to identity theft
Our role
Experian is a global data and analytics powerhouse. We turn data into information that helps people and businesses thrive.
As the world’s largest credit bureau, we help lenders make informed decisions so they can offer people access to fair and affordable credit.
Our work underpins the consumer financial system by promoting a responsible credit culture – one that discourages excessive debt and rewards responsible borrowing and repayment. This, in turn, reduces the cost of credit and increases the availability of consumer credit across the economy.
Driving financial inclusion
What we do: We help people establish a financial identity and build a credit profile.
How it helps: A financial identity is essential to access financial services like banking, and to build up a profile to get loans and credit from mainstream providers.
Enabling our clients to deliver positive outcomes
What we do: We help clients like lenders better understand customers so they can offer fair and affordable credit.
How it helps: Access to credit at affordable rates helps people get what they need in life – from having a home or building a business, to paying for education and healthcare.
Building financial health and confidence
What we do: We help people build confidence to manage their finances and improve their financial health.
How it helps: Improved confidence helps people plan for the future, manage rising costs of living and major life events, and protect themselves from fraud.
Experian Go: Driving financial inclusion in the USA
Experian Go empowers ‘credit invisibles’ in the USA to create their own Experian credit report in minutes using data like utility payments.
Support Hub: Enabling our clients to deliver positive outcomes in the UK
Our Support Hub enables consumers in the UK with a disability to inform multiple organisations of their support needs quickly and efficiently.
Limpa Nome: Building financial health and confidence in Brazil
Our Limpa Nome recovery portal helps people in Brazil clear their name of unmanageable debts by agreeing payment plans they can afford.
HomeFree-USA partnership: Creating a path to homeownership in the USA
We’re partnering with HomeFree-USA – a non-profit dedicated to helping People of Colour achieve homeownership – to create a path to homeownership through financial education.
Citizens Advice partnership: Money clinics and a credit café
We partnered with local Citizens Advice organisations in the UK to provide healthcare workers and communities with free advice and support from Experian experts.
Government partnership: Reaching out to remote communities
Experian volunteers attended government fairs that aimed to enhance financial inclusion in underserved regions of Colombia.
Brazil
Our Impusliona programmes, launched this year,offer support for small businesses. We held financial health workshops led by Experian volunteers to help small businesses reduce their debts, build their businesses and create more jobs.
Italy
Our IncludiMi provides free courses on managing money and advisce for young people. We launched a new school programme to encourage high school students to take a free assessment of their ability to manage finances through digital and in-person workshops.
India
We partnered with the Srunja Charitable Trust to hold 450 financial literacy sessions, run by women for women, to help those affected by poverty to improve their quality of life.
UK
With the National Literacy Trust we expanded the Words that Count campaign. In addition to raising awareness of financial literacy nationwide, we worked with grassroots organisations to deeliver workshops on managing money, to 200 young people aged 15 to 19.
USA
We worked to empower black students with tools to support their financial healtH. We also teamed up with Operation Hope to provide advice to young adults on how to increase savings and reduce debt.
Credit Academy with HomeFree-USA’s Center for Financial Advancement
“Experian’s mission is financial inclusion for all. I’m thrilled to be part of it and this hackathon has just been one example of how we can bring communities together to make it possible.”
Michele Bodda, President of Housing, Verification and EES, Experian (USA)
Money clinics for healthcare workers in the UK
“National Health Service and care workers provide us all with vital support, so it’s great to be able to help them in return.”
Steve Thomas, Managing Director, Strategy & Innovation, Experian UK & Ireland
Supporting people in remote areas of Colombia
“The most enriching thing has been to help mothers, small businesswomen and farmers master financial life and be able to access formal credit so they can fulfil their dreams.”
Diana Quiroga, Go-to-Market Specialist, Experian (Colombia)
Goal 1.4
By 2030, ensure that all people, in particular the poor and the vulnerable, have equal rights to economic resources, as well as access to appropriate new technology and financial services, including microfinance.
Goal 8.10
Strengthen the capacity of domestic financial institutions to encourage and expand access to banking, insurance and financial services for all.
Goal 9.3
Increase the access of small-scale industrial and other enterprises, in particular in developing countries, to financial services, including affordable credit.