Experian’s recent analysis of Credit Builders Alliance (CBA) tradelines shows that 70% of previously unscored consumers reached prime or near-prime status within one year of CBA reporting, compared with 48% of their unscored U.S. peers. Deep subprime borrowers with CBA tradelines saw average credit score improvements of 48 points over the same period. These results highlight a scalable pathway for Experian to expand credit reporting services with mission-driven nonprofits and community lenders, potentially driving increased data volume and recurring revenue from expanded partnerships.

Experian’s Perceptions of AI Report surveyed over 200 financial-institution decision-makers and found that 84% consider AI critical or a high priority for their business strategy over the next two years, and 89% expect AI to be vital across the lending lifecycle. Key drivers for investment include operational efficiency gains, improved credit-decision accuracy and enhanced risk mitigation. However, 73% of respondents cite regulatory concerns and 65% point to data readiness challenges, underscoring Experian’s opportunity to leverage its data-quality services and explainable AI capabilities—particularly within its Ascend Platform—to capture a growing share of the bank and credit-union AI market.