Consumer Services
We help people to understand and take control of their credit so they can save money and achieve their financial goals and improve their financial lives.
We help people thrive financially
27% of Group revenue is accounted for by Consumer Services
Our ambition for Consumer Services is to be recognised as the No.1 platform globally for people to improve their financial lives and save money. We aim to create the world’s largest, most inclusive financial services platform which brings financial power to all our members.
What we do
- We help millions of people take control of their finances.
- We provide credit education, identity monitoring and fraud prevention services directly to consumers in the USA, Brazil, the UK, South Africa, Peru, Colombia and India. This includes free access to their Experian credit report and score, and useful online educational tools.
- In the USA and the UK, we enable people to contribute their own data to their file by adding, for example, rental, utility, mobile and streaming service payments, to help them improve their credit score.
- We help people save money though marketplaces where they can access credit, personal loans, mortgages, automotive insurance and other deals that are highly personalised to them.
- In Brazil, we help consumers to meet their payment obligations and manage their spending.
Our key customers
- Individuals
- Lenders
- Insurance providers
How do we generate revenue?
- Monthly subscription and one-off transaction fees
- Referral fees for credit products
- Digital agency fees for insurance products
- White-label partnerships
27%
of revenue accounted for by Consumer Services
180m+
people globally on our free membership platform
US$14.bn
consumer debt renegotiated in Brazil FY24
| Regional revenue split US$m ₁ | ||||
| North America | Latin America | UK and Ireland | Total | |
| 1,539 | 225 | 173 | 1,937 | |
| ₁ Revenue from ongoing activities. | ||||
Experian’s business-to-business services
We help businesses understand their customers, helping them make faster, smarter decisions.
Improving credit and lending
We make credit and lending simpler, faster and safer for consumers and businesses.
Empowering consumers to improve their financial lives
We help consumers access credit at affordable rates.
Helping businesses verify identity and combat fraud
We provide services to help organisations ensure transactions are legitimate.