Experian
Credit reporting agency
Experian is one of the three major credit reporting agencies in the United States, alongside Equifax and TransUnion.
These companies collect financial data on consumers—credit card payments, loans, bankruptcies—and compile credit reports that lenders use to assess creditworthiness: I pulled my Experian report before applying for a mortgage.
Numerical measure of borrower reliability
- credit reportRecord of borrowing behavior
- credit ratingAssigned measure of borrower reliability
- FICOCreditworthiness rating system
- credit historyRecord of past borrowing
creditworthiness · credit monitoring · credit check · credit freeze · credit dispute · credit utilization · credit inquiry · hard pull
Stealing personal data criminally
- fraud protectionDefenses against deceptive schemes
- identity verificationConfirming someone's claimed self
- social security numberState-assigned citizen identifier
- personal informationIdentifying details about someone
data breach · fraud alert · credit lock · authentication · phishing · account takeover
Tracks borrowing history
- corporationLegally separate business entity
- multinationalOperating across multiple countries
- brandCompany's product line name
- enterpriseCommercial undertaking or initiative
business · firm · headquarters · Dublin · Ireland · CEO · subsidiary · consumer services
Systematic examination of datasets
- big dataEnormous datasets analyzed computationally
- databaseOrganized digital information collection
- data aggregationCombining separate information together
- demographic dataInformation about population characteristics
data privacy · segmentation · decisioning · fraud detection · machine learning · algorithms
Paid recurring access
- freemiumHybrid monetization approach
- premiumAdded cost for better
- dispute resolutionSettling conflicts formally
- score trackerRecords game points
credit score
Numerical measure of borrower reliability
- credit reportRecord of borrowing behavior
- credit ratingAssigned measure of borrower reliability
- FICOCreditworthiness rating system
credit history · creditworthiness · credit monitoring · credit check · credit freeze · credit dispute · credit utilization · credit inquiry · hard pull · credit limit
identity theft
Stealing personal data criminally
- fraud protectionDefenses against deceptive schemes
- identity verificationConfirming someone's claimed self
- social security numberState-assigned citizen identifier
personal information · data breach · fraud alert · credit lock · authentication · phishing · account takeover
credit bureau
Tracks borrowing history
- corporationLegally separate business entity
- multinationalOperating across multiple countries
- brandCompany's product line name
enterprise · business · firm · headquarters · Dublin · Ireland · CEO · subsidiary · consumer services · financial services
analytics
Systematic examination of datasets
- big dataEnormous datasets analyzed computationally
- databaseOrganized digital information collection
- data aggregationCombining separate information together
demographic data · data privacy · segmentation · decisioning · fraud detection · machine learning · algorithms
subscription
Paid recurring access
- freemiumHybrid monetization approach
- premiumAdded cost for better
- dispute resolutionSettling conflicts formally
- Credit Reportscredit report, credit reports, credit score, credit scores, credit bureau
- credit scorescredit score, credit report, credit history, credit bureau, FICO score
- data companiesPalantir, Snowflake, Tableau, SAS, Looker
- Research FirmsGallup, Nielsen, Pew Research, Monmouth, YouGov
- British BrandsMarks & Spencer, Harrods, Selfridges, Tesco, Sainsbury
Experianconsumer
One who acquires goods
borrower · debtor · lender · bank · loan applicant
Experianprivacy advocate
Person championing personal data protection
cash economy · anonymity · financial privacy · off-the-grid · cryptocurrency
- lived experienceKnowledge from personal participation
- science experimentMethodical investigation testing hypotheses
- work experienceRecord of past jobs
- life experienceAccumulated personal history
- learning experienceEvent yielding new understanding
- immersive experiencesActivities that fully engage
experience, experiment, experienced, experimental, experiences, experimenting, experiencing, experiential, experimentation