Experian announces availability of VantageScore® 3.0

             Experian announces availability of VantageScore® 3.0

Newly constructed model provides clients with advanced predictive performance
and consumers with new resources to help manage and understand their credit

PR Newswire

PHOENIX, March 11, 2013

PHOENIX, March 11, 2013 /PRNewswire/ --Experian^®, the leading global
information services company, today announcedthe VantageScore^® 3.0 scoring
model is now available from Experian. This advanced model produces a highly
predictive score and scores up to 27 million to 30 million more consumers who
were previously deemed unscoreable. It has a scale range of 300 to 850 for
easier lender implementation and consumer familiarity.

"We have been eagerly awaiting VantageScore 3.0," said Steven Wagner,
president of Experian's U.S. credit bureau. "We are very excited to offer this
latest evolution of the score to our clients and consumers. We see this model
expanding prudent lending in the marketplace because it specifically uses a
wide range of credit data to increase predictiveness and has the ability to
effectivelyscore more people, which is crucial in today's economic

VantageScore 3.0 was developed to reflect the ever-changing borrowing
behaviors, debt levels and mix of credit accounts in the lending environment.
Testing of this new version shows that it provides up to 25 percent predictive
improvement over earlier models, primarily in the prime and near-prime
consumer population. Such an increase is due to the granular data pulled from
the two blended time frames of 2009–2011 and 2010–2012.

"Today's credit environment is constantly changing, and having access to fresh
data on a large population is a vital component to lenders making confident
risk decisions," said Charles Chung, president of Experian's Decision
Analytics business. "VantageScore 3.0 captures consumer behavior in its purest
form and is now easier to implement,providing lenders a competitive edge in
the underwriting and lending process."

Experian has over 1300 clients in a variety of industries utilizing

Please visit Experian at CBA Live in Phoenix, Ariz., March 11 -13, 2013 to
learn more, or visit http://www.experian.com/VantageScoreforlenders.

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 São 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.

VantageScore^® is a registered trademark of VantageScore Solutions, LLC.


Susan Henson
Experian Public Relations
1 714 830 5129

SOURCE Experian

Website: http://www.experian.com
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