Credit Risk

Lending with Confidence: A Data-Led Analysis of the Mortgage Market

The UK’s property market jolted back into life this summer after an enforced quiet period during the COVID-19 lockdown. Mortgage applications in recent months have been significantly above the...

Whitepaper - Oct 2020
Commercial resilience in an uncertain world
Delphi scores amidst a volatile economy

The Covid 19 containment phase has led to the deepest recession in UK history with the worst impacts yet to be seen due to the furlough scheme and emergency payment holidays (EPH). As these...

Podcast - Sep 2020
Scenario modelling, stress testing and IFRS 9 – updating in…

Relevant scenario modelling In today’s world, we need to be more forward thinking than ever and the current climate, which none of us could have predicted, has meant scenarios led purely by macro...

Blog - Jul 2020
How can you quickly understand what the pandemic means for…

Nearly every business has felt the impact of the market or economic reaction to Covid-19. Some businesses are seeing these impacts as a short to mid-term challenge whereas others see their entire...

Blog - Jul 2020
How do I determine, or identify, who to lend what…

Balancing lending terms can be a complex calculation. Get the mix right and it can be rewarding for both you as an organisation, and your customer. As time changes, so does business appetite and...

Blog - Jun 2020
The impact of income shock on consumers

As the effects of the COVID-19 pandemic ripple through the UK economy, income shock is felt by a significant proportion of the population. Business closures, job losses and massive income uncertainty...

Blog - Jun 2020
What could you do to tackle the debt collections challenge…

For collections teams, the coronavirus outbreak has created a paradox. How to deal simultaneously with escalating volumes, changing regulatory guidelines and high customer expectations – all while...

Blog - Jun 2020
How has the economy changed, and how will it change?…

At Experian we are in the unique, and unrivalled position of being able to look back, and forward across the credit economy. This unique view is driven by access to our in-house experts within our...

Blog - Jun 2020
BusinessIQ – Making and managing the right credit decisions

Managing commercial credit is no walk in the park. You’re trying to help your business grow and mitigate risk whilst keeping bad debt to a minimum and run an efficient team. The decisions you...

Video - Aug 2019
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Experian Real Time Connections – Fast simple integrations

  Quickly stream and integrate our comprehensive data into your own systems, workflows, websites and products with our Business Information APIs (Application Programming Interfaces). Whether...

Video - Aug 2019
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International Credit Risk Reports

  Trading globally can present a number of business challenges like: lack of transparency, making it hard to evaluate risk. It can create difficulty gaining access to information you trust, ...

Video - Aug 2019
Trended Data: Build a fuller picture of your customer’s credit…

A customer’s credit profile can improve or deteriorate over time…can you confidently say you know enough about your customer’s personal spending and payment history to accurately identify...

Blog - Jun 2019