Improving financial health
We’re helping people thrive on their financial journey and addressing global financial health challenges.
Why financial health matters
Improving financial health transforms lives by enabling people to get fairer access to credit. This can open the door to life-changing opportunities – from having a home or building a business to paying for education or healthcare.
In doing so, we are helping to tackle financial health challenges that are preventing billions of people around the world from accessing opportunities to improve their lives.
Exclusion
Only 36% of adults in Colombia have access to any credit product, and 22% of UK adults applying for credit in the twoyes to May 2024 were declined.
Indebtedness
80 million people - 49% of adults - in Brazil have defaulted on their debts
Security
68% of consumers in the USA are concerned about identity theft and 51% in Brazil have been victims of fraud
Starting a business
46% of new businessess in the UK - and 67% in Brazil - fail within three years of opening
Our ambition
Every consumer or small business is on their own financial journey – from establishing a financial identity and credit profile to building confidence, fulfilling goals and having the ability to make positive financial decisions to be able to thrive in the long term.
Our ambition is to help people thrive on their financial journey.
We do this through products that create positive social impact – by driving financial inclusion, enabling our clients to deliver positive outcomes, and building financial health and confidence.
Limpa Nome
[XX million] people in Brazil used our Limpa Nome recovery portal to renegotiate [US$XX.Xbn] of debt in FY26 alone
Experian Boost
360,000 Experian Boosts have resulted in unscorable US consumers receiving a credit score by choosing to add positive non-traditional data to their credit file
Experian Go
US consumers previously invisible to lenders have established a credit profile using Experian Go since 2022
Experian Patient Estimates
XXX,XXX estimates generated using Experian Patient Estimates in FY26 helped US healthcare providers offer patients a more accurate prediction of costs
Limpa Nome
[XX million] people in Brazil used our Limpa Nome recovery portal to renegotiate [US$XX.Xbn] of debt in FY26 alone
Experian Boost
360,000 Experian Boosts have resulted in unscorable US consumers receiving a credit score by choosing to add positive non-traditional data to their credit file
Experian Go
US consumers previously invisible to lenders have established a credit profile using Experian Go since 2022
Experian Patient Estimates
XXX,XXX estimates generated using Experian Patient Estimates in FY26 helped US healthcare providers offer patients a more accurate prediction of costs
Driving financial inclusion
What we do: We help people establish a financial identity and build a credit profile to enable them to gain access to financial services.
How it helps: A financial identity is essential to access financial services like banking, and to build up a profile to get loans and credit from mainstream providers.
Enabling clients to deliver positive outcomes
What we do: We help clients like lenders better understand customers so they can offer fair and affordable credit.
How it helps: Access to credit at affordable rates helps people get what they need in life – from having a home or building a business, to paying for education and healthcare.
Building financial health and confidence
What we do: We help people and small businesses build confidence to manage their finances, protect their financial identities and improve their financial health.
How it helps: Improved confidence helps people plan for the future, manage rising costs of living and major life events, and protect themselves from fraud.
Investing in communities
We contribute funding, products and expertise to benefit the communities where we operate.
Our main focus is on empowering communities through financial education, including through our United for Financial Health programme.
Experian colleagues get involved by volunteering their time and skills.
Sustainability strategy
Find out how Improving Financial Health fits into our sustainability strategy.
Treating data with respect
See how we make financial inclusion a core pillar of our Global Data Principles.
Power of YOU Report
Learn more about the social impact we’re delivering, and our approach to inclusion and belonging.
Annual Report
View our progress in improving financial health in our latest Annual Report.