In today’s economic climate, financial vulnerability is often hidden until it’s too late
Traditional credit data is reactive, signalling risk only after payment issues start to surface. You might not identify your customers’ difficulty, and as a financial institution, you might face rising arrears, higher costs, and growing pressure to intervene earlier. Financial Health Risk Flags change that.
By combining household, macroeconomic and behavioural indicators, our Risk Flags reveal where financial stress is building up to 12 months before arrears appear – even when credit scores remain strong. This gives you the foresight you need to intervene earlier, protect your portfolio, and deliver better customer outcomes.
Earlier visibility of risk
See vulnerability building before behaviour changes, including among prime customers, and identify potential arrears up to 12 months earlier.
Actionable simplicity
Deliver clear red, amber, and green flags that provide account-level insight teams can operationalise immediately.
Proactive compliance
Support Consumer Duty and PS24-2 expectations by evidencing proactive monitoring, timely intervention, and fair customer outcomes
In back-testing conducted by Experian in October 2025, we unveiled:
Cards
Up-to-date card accounts flagged as red for unemployment are 1.7x more likely to be 1+ in arrears* after 12 months.
Of those accounts with high Delphi scores (1,356 or above), those flagged red for unemployment were 2x more likely to be 3+ in arrears after 12 months.
*in arrears refers to payments down.
Loans
Up-to-date card accounts flagged as red for unemployment are 1.4x more likely to be 1+ in arrears* after 12 months.
Of those accounts with high Delphi scores (1,356 or above), those flagged red for unemployment were 2x more likely to be 3+ in arrears after 12 months.
*in arrears refers to payments down.
Mortgages
Up-to-date card accounts flagged as red for unemployment are 1.6x more likely to be 1+ in arrears* after 12 months.
Of those accounts with high Delphi scores (1,356 or above), those flagged red for unemployment were 1.6x more likely to be 1+ in arrears after 12 months.
*in arrears refers to payments down.
Auto
Up-to-date card accounts flagged as red for unemployment are 1.6x more likely to be 1+ in arrears* after 12 months.
Of those accounts with high Delphi scores (1,356 or above), those flagged red for unemployment were 2x more likely to be 3+ in arrears after 12 months.
*in arrears refers to payments down.
Early warning indicators can help you act sooner, support customers earlier, and protect portfolio performance
Talk to our experts today to understand how our wealth of data and insight can support both you and your customers.
Let's connectThe benefits for you and your customers
See emerging risk up to 12 months earlier
Identify where stress is building long before it becomes visible through behaviour or credit scores
Intervene earlier to support customers sooner
Spot vulnerability early and offer tailored, timely support – improving outcomes and strengthening customer trust
Protect and improve portfolio performance
Take action before arrears materialise, reducing losses and building more resilient lending portfolios
Simple Red-Amber-Green insight
Your teams gain clear, easy‑to‑use flags that require no complex interpretation, enabling immediate decision-making
Evidence proactive compliance with Consumer Duty
Demonstrate fair treatment, timely intervention and proactive monitoring with audit‑ready insight that aligns to regulatory expectations
Detect hidden vulnerability traditional data may miss
Reveal risk even among prime customers whose credit scores remain high