Applying for credit, a mortgage or applying for a new role can be confusing, frustrating and slow. Applications often ask for lots of information you don’t have to hand and without this your application doesn’t go anywhere fast. We understand that your time is precious, and you want to complete an application quickly to access the solutions you need.
This is why Experian has created Work Report™, a quick and simple way to share details securely with the organisations you choose, so you can spend less time searching for information and more time on the things you enjoy.See Benefits for Employees
Your data is collected directly from your employer, payroll or benefits platform confirming your employment status, employer, tenure and Gross and Net income digitally. Don’t worry we will never share your data with anyone you don’t tell us too, and rest assured your data is always safe, protected using bank-grade encryption. Work Report™ makes applications simpler and quicker so you can spend your time doing the things you enjoy. Take the hassle out of online applications, say goodbye to paper or PDF payslips and access the services or solutions you want, quicker.
Your employer must be opted into the Work Report™ service. This will typically be managed by your employer’s HR or payroll department. By opting into the service, your employer will be enabling you to access your payroll data via Work Report™.
Each time you initiate a credit application (e.g. credit card, mortgage etc.) you will need to consent to Work Report™ accessing your payroll data. Once you have consented, Work Report™ then accesses your record from within your employer’s payroll/HR database. Work Report™ then passes the data to the Consumer Service Provider (e.g. a bank, that you have chosen).
Some of your application information such as your name and date of birth, along with a unique identifier, likely your National Insurance (NI) number, is captured to help Work Report™ locate your information in the payroll/HR database. Work Report™ then accesses your income and/or employment data and then shares it with your chosen Consumer Service Provider (e.g. a bank). The data shared is specified by your Consumer Service Provider and is only ever the minimum amount required to process your application.
No, Work Report™ is completely independent of your credit score. The data gathered by Work Report™ may however, be used to understand your affordability for a credit product (e.g. a loan). Assessing affordability is a regulatory requirement as stipulated by the Financial Conduct Authority (FCA).
Yes. Data is shared using secure Application Programming Interfaces (APIs) that connect directly to your employer’s payroll/HR database. Experian is regulated by the Financial Conduct Authority (FCA) and is required to manage your data under the governance of the UK General Data Protection Regulation (UK GDPR) and the Information Commissioner's Office (ICO) guidelines and best practice.
You can find your National Insurance number:
For more information, refer to: https://www.gov.uk/national-insurance/your-national-insurance-number
No, your employer is already aware that Work Report™ is available for its employees. Your employer will not be notified and will not be able to see the application you are making.
Work Report™ is a free service for both employees and employers. Consumer Service Providers, such as banks and other lenders, pay Experian to use the service.
Lighten your HR team's load and empower your employees to access and share their verified employment information in seconds with Work Report™, enabling them to access the services they want quicker.
Say goodbye to time-consuming, manual sourcing and verification of PDF or paper payslips. Access verified employment and income information in seconds and make better, faster decisions that benefit your customers – and you.
Help employees collect and share their payroll data instantly, driving huge time and cost efficiencies for your customers and a better user journey for theirs.