illion is now part of Experian. You may have been redirected here from the illion website.
Credit Bureau
Helping you lend more responsibly, fairly and quickly
Experian collects and analyses the credit histories of over one billion people and businesses globally to produce credit reports. These are used by businesses to help make decisions about lending and lending terms. By providing an unbiased assessment of a customer, the reports widen access to credit so that individuals are closer to getting the credit they need, at a rate they can afford.
For individuals requesting an Experian Credit Report please visit Consumer Services.
Expertise
Local, regional and global reach
We have expertise in operating credit bureaus across the globe – 23 consumer bureaus with over 1 billion records. You can get access to a range of local, regional and global experts to help achieve your business goals.
Consultancy services
Our consulting teams have many years of experience in transforming information and insights into outcome-focused strategies and solutions. Services cover credit risk across the customer lifecycle, Comprehensive Credit Reporting (CCR), open data, decisioning infrastructure, data integration and pricing.
High customer satisfaction
With a Net Promoter Score (NPS) of +53, we are consistently regarded as the best bureau team in the country to work with. We work with you in a consultative partnership approach.
Innovation
Continuous innovation
We are one of the Top 100 World’s Most Innovative Companies by Forbes for the 5th consecutive year and invest $1 billion annually to develop cutting edge solutions.
Innovation ecosystem
We employ over 530 data modellers, engineers and scientists with multiple data and innovation labs across the globe. Get access to Experian global innovations such as Ascend Analytical Sandbox (Named 'Best Overall Analytics Platform' Fintech Breakthrough Awards 2020).
Local innovations
We have a deep understanding of the Australian market and have developed custom local innovations such as the Experian Horizon benchmarking tool to help unlock the power of data.
Data
Compelling pool of CCR analytics data
We hold 94% of the credit active Australian population.
High quality data in market
We have the lowest correction requests comparative to competitors.
Highly predictive
Benefit from consistently high predictive (GINI) CCR score to make better credit assessments and uncover new opportunities.
Fast growing and unique data sets
Secured from critical sectors of the Australian credit industry as well as from niche areas such as Specialty Finance data, short-term loans (including Buy Now Pay Later) and consumer leasing, enabling a more complete view of your customers.
Efficient
We have a low CCR reject rate, reducing the need for rework. 85% of the files we receive are included in the bureau on the day of receipt, with all files loaded and response files delivered within 24 hours.
Technology
Highly responsive
We have a fast response time of less than 0.5 seconds for enquiries.
Stable
Peace of mind with stable, agile and high performing technology with zero outage deployments. Experian’s bureau has a Service Availability Time of 99.9%.
Secure
Local data servers have Encryption at REST and IMPERVA Distributed Denial of Service (DDoS) safeguarding your consumer data with global best solutions.
Certified
Data centres are ISO 27001 ISO 9001 certified to ensure industry best practice in areas such as security incident management and quality management systems.