Experian and Moody's Analytics team up to launch the Experian/Moody's Analytics Small Business Credit Index

    Experian and Moody's Analytics team up to launch the Experian/Moody's
                    Analytics Small Business Credit Index

First report shows small-business credit conditions improve as economy slowly

PR Newswire

COSTA MESA, Calif., May 17, 2012

COSTA MESA, Calif., May 17, 2012 /PRNewswire/ --Experian®, the leading global
information services company, today announced that it has joined forces with
Moody's Analytics to create a business index and detailed report that provides
insight into the health of U.S. businesses. The new Experian/Moody's Analytics
Small Business Credit Index will be reported quarterly to show fluctuations in
the market and discuss factors that are impacting the business economy.

(Photo: http://photos.prnewswire.com/prnh/20120517/LA09035)

"Experian's data, analytics and tools provide organizations with the services
they need to be successful and enable them to make more profitable financial
decisions," said Allen Anderson, president of Experian's Business Information
Services. "Over the past two years, we have published a Business Benchmark
Report that provided insight into the credit health of U.S. businesses. Now,
working with Moody's Analytics we are able to take the next step in
researching and reporting the impact of current economic trends on the
business community, to provide another layer of valuable insight into what is
affecting the business marketplace."

The Experian/Moody's Analytics Small Business Credit Index tracks how
businesses are faring over a period of time compared with a base point, with
the first quarter of 2011 being equal to 100. The key factors that comprise
the index are commercial credit data (including growth of credit balances and
delinquency rates measured on a dollar basis) combined with a variety of
macroeconomic data (including growth rates for employment, income, retail
sales, investment, output and industrial production).

The Q1 2012 report shows that although access to credit remains tight, U.S.
commercial credit conditions are improving, with fewer small businesses
falling behind on bill payments.

The Experian/Moody's Analytics Small Business Credit Index improved in Q1 2012
to 103.2, up from 101.9 in Q4 2011. This is the index's second consecutive
quarterly improvement after it fell during much of last year. The index is
riding on a wave of increased consumer spending, which is boosting small
businesses' balance sheets.

"The Q1 analysis has shown that small businesses are finally getting some
relief from the credit crunch that has plagued many of them since the Great
Recession," said Mark Zandi, chief economist at Moody's Analytics. "The recent
improvement in small-business credit growth and quality bodes well for the
broader economy and job market."

Other trends seen in the Q1 Experian/Moody's Analytics Small Business Credit
Index report include:

  oThe overall health of U.S. small businesses has improved, thanks to rising
    consumer confidence and spending, but balance sheets are strengthening
  oMost metrics of small-business credit quality were essentially unchanged
    from last quarter, but the average commercial risk score improved on a
    year-ago basis due to a drop in the percentage of dollars delinquent.
  oNot surprisingly, states where the labor market is healing more vigorously
    typically are home to small businesses with stronger credit standings.
    Similarly, small firms in states with high unemployment and lackluster
    housing markets are struggling.

To receive a copy of the full Experian/Moody's Analytics Small Business Credit
Index report, please visit

About Moody's Analytics
Moody's Analytics helps capital markets and risk management professionals
worldwide respond to an evolving marketplace with confidence. The company
offers unique tools and best practices for measuring and managing risk through
expertise and experience in credit analysis, economic research and financial
risk management. By providing leading-edge software, advisory services and
research, including the proprietary analysis of Moody's Investors Service,
Moody's Analytics integrates and customizes its offerings to address specific
business challenges. Moody's Analytics is a subsidiary of Moody's Corporation
(NYSE: MCO), which reported revenue of $2.3 billion in 2011, employs
approximately 6,100 people worldwide and maintains a presence in 28 countries.
Further information is available at http://www.moodysanalytics.com.

About Experian's Business Information Services
Experian's Business Information Services is a leader in providing data and
predictive insights to organizations, helping them mitigate risk and improve
profitability. The company's business database provides comprehensive,
third-party-verified information on 99.9 percent of all U.S. companies, with
the industry's most extensive data on the broad spectrum of small and midsize
businesses. By leveraging state-of-the-art technology and superior data
compilation techniques, Experian is able to provide market-leading tools, such
asBusinessIQ(SM), that assist clients in making real-time decisions,
processing new applications, managing customer relationships and collecting on
delinquent accounts. For more information about Experian's advanced
business-to-business products and services, visit http://www.experian.com/b2b.

About Experian
Experian is the leading global information services company, providing data
and analytical tools to clients around the world. The Group helps businesses
to manage credit risk, prevent fraud, target marketing offers and automate
decision making. Experian also helps individuals to check their credit report
and credit score, and protect against identity theft.

Experian plc is listed on the London Stock Exchange (EXPN) and is a
constituent of the FTSE 100 index. Total revenue for the year ended 31 March
2012 was US$4.5 billion. Experian employs approximately 17,000 people in 44
countries and has its corporate headquarters in Dublin, Ireland, with
operational headquarters in Nottingham, UK; California, US; and Sao Paulo,

For more information, visit http://www.experianplc.com.

Experian and the Experian marks used herein are service marks or registered
trademarks of Experian Information Solutions, Inc. Other product and company
names mentioned herein are the property of their respective owners.

Roslyn Whitehurst
Experian Public Relations
1 714 830 5578

SOURCE Experian
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