Scale Credit Decisioning with Connected Alternative Data
Experian's alternative data from streaming, utility, and rent payments helps you reduce manual stipulation reviews, expand coverage for thin-file applicants, and execute credit policies consistently across your origination volume.
Trusted by Leading Fintech and Credit Risk Teams
Financial institutions rely on Experian's credit data and decisioning solutions to approve more applicants, reduce operational overhead, and make faster, more confident lending decisions.
""Experian's data allowed us to automate a significant portion of our manual stip reviews, which reduced processing time and freed our underwriters to focus on more complex cases.""
""By incorporating alternative data into our decisioning model, we expanded coverage for thin-file applicants and improved approval rates without increasing risk exposure.""
""Having a unified data infrastructure that connects our marketing, origination, and risk teams has been critical for managing the full customer lifecycle and making better decisions at every stage.""
Common Questions
Answers to frequently asked questions about credit decisioning solutions, alternative data, and integration with your existing risk infrastructure.
Sign up for freeWhat alternative data sources can we use for credit decisioning?
Alternative data includes utility payments, telecom history, streaming service subscriptions, and rent payment records. These data sources expand your coverage beyond traditional credit files and provide additional signals to inform underwriting decisions, especially for applicants with limited credit history.
How can we better assess thin-file applicants?
By incorporating alternative data into your decisioning process, you can build more complete applicant profiles and reduce the number of inconclusive or insufficient-file decisions. This allows you to confidently approve more applicants while maintaining credit quality standards.
Can we automate stipulation and document verification?
Yes. By connecting data sources directly into your decisioning workflow, you can automate verification steps and execute credit policies consistently. This reduces manual review cycles, speeds up approvals, and creates an auditable record of every decision.
How does this integrate with our existing risk models and decisioning stack?
Experian solutions are delivered via flexible APIs that work with your existing decisioning infrastructure, credit models, and workflows. You can add new data sources and capabilities without replacing your current systems or disrupting production processes.
How can we connect marketing and risk data to support better lifecycle decisions?
A connected data platform bridges marketing and risk systems to create a shared customer view. This allows your teams to apply consistent decisioning logic across acquisition, onboarding, and account management. Instead of maintaining separate data stores, you can work from a unified foundation that makes it easier to coordinate credit policies with customer engagement strategies throughout the customer journey.
Transform credit decisioning with connected data
Our unified data infrastructure connects your credit bureau data, alternative data sources, and internal signals in real time. Scale automated approvals, expand thin-file applicant coverage, and make confident decisions across the full customer lifecycle. Contact us to see how leading lenders are improving approval rates while managing risk.