Experian Launches Comprehensive Portfolio Solution to Track,

Analyze and Benchmark Credit Marketplace Activity and Trends 
New Online Tool Provides Continually Updated View of Market Trends and 
Competitor Benchmarking, Enabling Strategic Credit Management and Acquisition 
COSTA MESA, Calif., Oct. 19 /PRNewswire/ -- Experian(R), a global
information solutions company, today announced the launch of Portfolio
Benchmarking and Trend Analysis(SM), the first total portfolio management and
acquisition solution on the market today.  This sophisticated new tool, built
on Experian's File One(SM) consumer credit database, tracks changes in credit
activity so financial services companies can quickly assess current
conditions, analyze trends and benchmark against competitors to make strategic
portfolio decisions. 
"Successfully growing market share with new products or making changes to
existing strategies requires companies to research the marketplace," said
Kerry Williams, group president, Experian's Credit Services.  "The consumer
credit market changes constantly and competitors make new moves every day.
Portfolio Benchmarking and Trend Analysis offers a continually updated view of
market trends and competitor analysis that financial institutions need to stay
ahead of competitors." 
The solution is an easy-to-use online desktop application, which will help
financial services companies that are exploring new markets make the right
decisions by assessing market potential and viability before resources are
committed.  A marketer, for example, could use Portfolio Benchmarking and
Trend Analysis to profile consumers in a specific metropolitan statistical
area (MSA), state or region based on delinquency, loan amount, utilization and
inquiry behaviors. 
Risk managers also will benefit greatly from this new tool by helping them
understand where to target account management activities and where differences
exist from industry peers in specific footprint markets.  By looking at
changes in 30-, 60- and 90-day delinquency trends, portfolio managers can
quickly make changes to risk-management protocols. 
Each month's Portfolio Benchmarking and Trend Analysis snapshot of
activity is generated from a statistically valid 20 percent random sample of
Experian's File One consumer credit database.  Each month's snapshot is added
to data from previous months, allowing for a detailed analysis of changes in
credit activity.  The database currently includes records dating back to 2003.
Experian will continue building data that will eventually provide a 10-year
trending analysis. 
The key, according to Linda Haran, senior product marketing manager for
Portfolio Benchmarking and Trend Analysis, is that it offers a more complete
view of a given market than a single point in time ever could. 
"Because of its unique design, our clients can create a very comprehensive
and customized view of the credit marketplace to gain the type of intelligence
critical to successful strategies," added Haran.  "Access to this information
from desktops makes this new solution an integral part of the planning
The new database tool uses patent-pending technology to aggregate data at
the time of query based on a client's unique criteria and generates reports
for targeted populations.  A company could, for example, analyze trends across
multiple time periods for a comprehensive view of marketplace activities.  Or
the company might look at various account types to determine correlations
between product lines to see where cross-sell opportunities exist.  It's even
possible to view industry peer portfolio metrics in key geographic footprints. 
Experian will market Portfolio Benchmarking and Trend Analysis with three
different service levels to accommodate the individual needs of its clients. 
 For more information about Experian's portfolio management solutions,
please call 888 414 1120 or visit www.experian.com/portfoliobenchmarking. 
About Experian 
Experian is the global leader in providing value-added information
solutions to organizations and consumers.  It has an unrivaled understanding
of individuals, markets and economies around the world.  Experian provides
information, analytics, decision-making solutions and processing services.  It
assists organizations in understanding their markets and customers and helps
them find, develop and manage profitable customer relationships to make their
businesses more profitable.  Experian promotes greater financial health among
consumers by enabling them to understand, manage and protect their personal
information and helping them control financial aspects of key life events.
Experian works with more than 50,000 clients across diverse industries,
including financial services, telecommunications, health care, insurance,
retail and catalog, automotive, manufacturing, leisure, utilities, e-commerce,
property and government.  A subsidiary of GUS plc with headquarters in
Nottingham, UK, and Costa Mesa, Calif., Experian's 12,000 people in 28
countries support clients in more than 60 countries.  Annual sales exceed $2.5
For more information, visit the company's Web site at www.experian.com. 
The word "Experian" is a registered trademark in the EU and other
countries and is owned by Experian Ltd. and/or its associated companies. 

     Contact:  Susan Henson
               Public Relations Manager
               714 830 5129

SOURCE  Experian 
Susan Henson, Public Relations Manager of Experian, +1-714-830-5129, 
-0- Oct/19/2005 10:00 GMT
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