Experian Announces First Combined Credit, Cash Flow and Alternative Data Score

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COSTA MESA, Calif.--(BUSINESS WIRE)--Nov 10, 2025--

Experian ®, a global leader in data and technology, today announced the Experian Credit + Cashflow Score. The first-of-its-kind model combines Experian’s industry-trusted credit, alternative and trended data, and consumer-permissioned banking information into a singular score.

“Leveraging Experian’s world-class data with information about how a consumer is managing their finances through open banking is the future of underwriting,” said Scott Brown, Group President, Financial and Marketing Services for Experian North America. “Our unmatched expertise and commitment to constant innovation make Experian uniquely capable of helping our clients rethink what’s possible — driving better consumer outcomes, expanding access to credit and ultimately bringing financial power to all.”

Inclusion with Experian’s differentiated data

The Experian Credit + Cashflow Score is the most advanced credit decisioning model ever released by the company and a positive milestone in Experian’s mission to help increase fair access to credit.

The model integrates Experian’s most comprehensive and differentiated data assets, including:

• Consumer-permissioned bank account data, including income, balances, card payments, bank fees and loan transactions.
• Credit data, detailed credit account information on more than 220 million U.S. consumers.
• Clarity Services data, the nation’s largest alternative credit bureau, expanding visibility into tens of millions of consumers who use nontraditional financial services and may otherwise lack traditional credit histories.
• Trended data, providing a 24-month view of how consumers manage credit over time.

Proven performance across all credit products

Early analysis shows the Experian Credit + Cashflow Score outperforms conventional credit scores and cashflow-only scores across all major lending products, including personal loans, lines of credit, bankcards and mortgages — improving predictive accuracy by over 40% when compared to conventional credit models.

The Experian Credit + Cashflow Score builds on Experian’s leading suite of expanded credit solutions, including Experian’s Cashflow Score, Cashflow Attributes and the company’s interactive cash flow insights dashboards.

The score ranges from 300 to 850 and will be available to make decisions across the entire financial lifecycle. Lenders can gain early access to Experian’s new score for testing through custom analytics, archives or through the award-winning Experian Ascend Platform™.

About Experian

Experian is a global data and technology company, powering opportunities for people and businesses around the world. We help to redefine lending practices, uncover and prevent fraud, simplify healthcare, deliver digital marketing solutions, and gain deeper insights into the automotive market, all using our unique combination of data, analytics and software. We also assist millions of people to realise their financial goals and help them to save time and money.

We operate across a range of markets, from financial services to healthcare, automotive, agrifinance, insurance, and many more industry segments.

We invest in talented people and new advanced technologies to unlock the power of data and innovate. As a FTSE 100 Index company listed on the London Stock Exchange (EXPN), we have a team of 25,200 people across 32 countries. Our corporate headquarters are in Dublin, Ireland. Learn more at experianplc.com.

View source version on businesswire.com:https://www.businesswire.com/news/home/20251110271809/en/

CONTACT: Amanda Garofalo

Experian Public Relations

[email protected] 

KEYWORD: UNITED STATES NORTH AMERICA CALIFORNIA

INDUSTRY KEYWORD: FINANCE DATA ANALYTICS DATA MANAGEMENT PROFESSIONAL SERVICES TECHNOLOGY

SOURCE: Experian

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PUB: 11/10/2025 06:02 AM/DISC: 11/10/2025 06:02 AM

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