The social benefits of our core products

Facilitating credit

Authentification services
These services enable the instant verification of customer identity thus providing security for those conducting transactions online and at call centres. It gives customers instant answers and enables credit-granters to check security in real time.

VantageScore
Developed as a direct result of market demand for a new approach to credit scoring, VantageScore combines the collective experience of the three major credit reporting companies in the US: Experian, Equifax and TransUnion. Any resultant consumer score is now directly comparable with any other, with any variations caused simply by data differences, not by the structure of the scoring model or data interpretation. Consumers vouch for it being an easier to understand score. It is independently marketed and sold through each of the three companies and has created a new standard across the US.

Consumer Credit Bureaus
Experian’s Consumer Credit Bureaus help lenders manage their risk and lend responsibly. They protect consumer rights, and by enabling consumer and business borrowing thus contribute to the creation of good conditions for sustained economic growth.

Direct to consumer credit profile management products
CreditExpert, Triple Alert, Triple Advantage and Credit Manager are all products offered by Experia, direct to the consumer, to allow them to monitor and protect their credit histories, which can help guard against identity fraud. Consumers can track changes to their credit score through daily alerts which indicate credit activity. These changes could be signs of identity theft. There are various levels of service, which offer everything from online educational articles and advice to identity theft insurance and a dedicated fraud resolution service.

Small Business Intelliscore
A tool that helps financial institutions evaluate the creditworthiness and potential risk of a small business through a single score making the process of doing business with smaller organisations as quick and efficient as engaging with their larger competitors and so ultimately creating more opportunity for small businesses to expand.

Back to top

‘I really cannot praise UAR highly enough. When I initially sought help from various organisations, ombudsmen etc., I got nowhere. Only when I contacted you did I find an organisation whose support enabled me to persist and reach a successful conclusion. My heartfelt thanks therefore to all at the UAR.'

Mr W—Bexhill on Sea