Trust is foundational to everything we do at Experian. It’s how we build products people rely on, how we serve clients and consumers, and how we work together every day. That focus makes this year’s recognition from Fortune’s 100 Best Companies to Work For List even more meaningful.

For 2026, Experian soared to ranking No. 38—our highest placement ever and a more than 20‑spot jump from last year. This marks our seventh consecutive year on the list.

What makes this honor especially significant is how it’s earned. The ranking is based entirely on employee feedback from the Great Place to Work survey. Our people told us they feel welcomed, trusted to do their jobs, respected for who they are, and valued for the impact they make. They shared that Experian is a place where people can be themselves and count on one another.

That internal trust matters externally. When employees trust their workplace, they do their best work. That translates directly into the trust our consumers and clients place in us—to handle data responsibly, deliver insights with integrity, and help people and businesses move forward with confidence.

Our way of working has earned Experian the 2026 BIG Innovation Award for its AI-powered Experian-Assistant for Model Risk management, Top Score in the 2026 Equality 100, Best Place to Work for Disability Inclusion, and as one of the 25 World’s Best Workplaces 2025.

This recognition reflects the culture our teams continue to build across North America—one grounded in trust, accountability, and purpose. We’re proud of the progress we’ve made, and we know there’s always room to go further.

Thank you to everyone who places their trust in Experian. We don’t take it lightly.

Learn more in the Experian 2025 Power of YOU Reports: English  |  Portuguese  |  Spanish

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We are changing that.

Our Consumer-First AI strategy starts with a simple belief: technology should make life easier for people. We’re building AI-powered experiences that meet consumers where they are, cut through complexity, and provide guidance that feels intuitive, supportive, and genuinely helpful.

Reimagining Insurance Shopping Through Conversation

One example is the launch of our Experian Insurance Marketplace, a leading platform to find and compare auto insurance rates^[i], within ChatGPT.

Shopping for insurance has long been a frustrating process. Consumers jump from site to site, repeatedly entering information and trying to decode policy differences, often still unsure if they found the right coverage at the right price.

Now the experience can begin with a simple question inside ChatGPT.

Consumers now can start their journey with Experian and compare estimated rates from more than 35 leading insurance carriers in our network, receive clear coverage explanations, ask follow-up questions in real time, and seamlessly transition into the Experian experience to explore personalized savings and switch carriers. What once took hours across multiple websites can now begin in one guided interaction.

Powered by Experian’s Innovation Engine

This experience is powered by Experian’s Insurance Marketplace platform and built on years of data expertise, advanced analytics, and strong carrier relationships. It reflects our ability to combine trusted data with emerging AI to create entirely new consumer experiences.

For example, consumers can start with a ZIP code to explore price comparisons and, if they choose transition securely to Experian’s website for a personalized quote.

This is Consumer-First AI in action. It is not technology for its own sake, but innovation designed to make life easier, build confidence, and give people greater control over their financial journey.

Just the Beginning

Experian has long helped people build credit, protect their identity, and improve their financial health. Bringing other capabilities, we offer like insurance into conversational AI is a natural extension of that mission.

Insurance is only the start in seeing Experian via other platforms. As AI becomes a bigger part of our financial lives, we will continue expanding solutions both within our ecosystem and in other properties like ChatGPT that simplify complex moments and deliver smarter, more personalized guidance wherever consumers are or prefer to engage.

Because at Experian, we are committed to being your BFF, your Big Financial Friend, showing up with trusted guidance, practical tools, and support exactly when it matters most.

To explore the Experian Insurance Marketplace within ChatGPT or learn more, visit www.experian.com/insurance

Insurance products are offered through Gabi Personal Insurance Agency, Inc., d/b/a Experian Insurance Services, a licensed insurance agency. Availability and savings vary by state. Savings are not guaranteed. For license information, visit https://www.experian.com/help/insurance-licenses-disclosure/

^[i] Results will vary and some may not see savings.

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We are pleased that for the seventh consecutive year, our people-first approach has earned us a top score on the Human Rights Campaign Foundation’s Corporate Equality Index (CEI), securing our place on the Equality 100 list for LGBTQ+ workplace inclusion. This honor comes on the heels of winning Out & Equal’s 2025 Outie award for Workplace Excellence and Belonging, and reaffirms our efforts for a workplace that embraces inclusion.

Ally is a verb, not just a noun, at Experian. Our Experian Pride Employee Resource Group created an allyship training for all employees and a Parents Group to provide resources to parents, caregivers and family members so they can better support LGBTQ+ youth and family. New this year is our updated bereavement leave policy that acknowledges chosen family, which honors the experiences of many individuals in the community.

As Experian Chief Sustainability Officer Abigail Lovell says, “The world works best when everyone gets to live as they truly are.”

At Experian, we remain dedicated to making that a reality.

Learn more about Experian ‘s commitment to inclusion and belonging in its 2025 Power of YOU Reports:  English  |  Portuguese  |  Spanish

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The study surveyed more than 200 senior decision makers across leading financial institutions. An overwhelming majority of respondents view AI as either critical or a high priority over the next two years. Even more telling, nearly nine in ten believe AI will play a vital role across the entire lending lifecycle, from application and underwriting to fraud prevention and portfolio management.

What is driving this momentum is clear. Respondents expect AI investments to deliver meaningful gains in operational efficiency, stronger credit accuracy, and more proactive risk mitigation. These benefits are no longer theoretical. Many institutions are already seeing measurable improvements as AI becomes embedded in everyday decisioning processes.

At the same time, adoption is not without its challenges. Regulatory uncertainty remains a top concern, with many leaders carefully navigating evolving compliance expectations. Data readiness is another critical hurdle. Nearly two-thirds of respondents identified having AI-ready data as one of their biggest obstacles. In fact, data quality emerged as the single most important factor influencing trust when selecting an AI partner.

Experian is uniquely positioned. With an industry leading data ecosystem and advanced analytics capabilities, Experian helps lenders move faster from model development to real-world impact. Recent AI powered enhancements to the Experian Ascend Platform empower more intelligent, proactive decisioning that anticipates customer needs, detects risk in real time, and uncovers new growth opportunities.

To learn more click here: Experian Perceptions of AI Report.

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As we head into 2026, the fraud landscape is evolving in ways we couldn’t have predicted 20 years ago. We’re entering an era where AI is making fraud more sophisticated, autonomous and scalable than it was even just 12 months ago. For example, agentic AI can help book a vacation with just a single prompt. Meanwhile, tried and true schemes that have been around for years are still happening and are being accelerated by AI. This isn’t science fiction, it’s happening now and requires modern fraud mitigation strategies to combat. If we fail to act, businesses and consumers will face risks that are harder to detect and easier to exploit, leaving millions vulnerable.

This year, our forecast highlights five fraud threats including:

1. Machine-to-machine mayhem: As organizations race to leverage agentic AI, the sheer volume of players entering the space will make fraud inevitable and impossible to ignore. Fraudsters will exploit agentic AI to commit new levels of digital fraud. With machine-to-machine interactions initiating transactions without clear ownership of liability, businesses will face growing uncertainty around agent ownership, intent and risk. Experian predicts fraud will reach a tipping point that will spark major conversations and decisions around liability, regulation and the role of agentic AI in shaping responsible digital commerce.
2. Deepfakes outsmart HR: Employment fraud is set to escalate in the remote workforce as generative AI (GenAI) tools generate hyper-tailored resumes and deepfake candidates capable of passing interviews in real time. Experian forecasts that employers will unknowingly onboard individuals on a much larger scale who aren’t who they say they are, giving bad actors access to sensitive systems. This emerging threat is expected to reshape how organizations verify identity and intent in the hiring process.
3. Smarter homes, scarier threats: Smart homes are introducing new entry points for fraud. Devices like virtual assistants, smart locks, security systems, smart appliances and the coming use of humanoid robots will be exploited by bad actors to access personal data, monitor household activity and even take control of physical access points. Experian predicts that as the adoption of smart home devices continues to grow, so will the risk, with new forms of ransomware and opportunities for account hijacking, turning convenience into vulnerability for consumers.
4. Website cloning will overwhelm fraud teams: Cloned websites, where fraudsters replicate legitimate sites to phish consumers, are becoming easier to create through AI tools and harder to eliminate. Notably, even after takedown requests, spoofed domains continue to resurface. As companies are forced to play whack-a-mole to address these threats, they risk being distracted from broader fraud strategies, allowing other threats to escalate. Experian forecasts that cloned sites will continue to cause significant losses for online retailers and businesses by tricking consumers into sharing their credentials, fueling credit card fraud, accelerating identity theft and synthetic identities, and facilitating other forms of financial fraud.
5. Bots will break hearts and bank accounts: Emotionally intelligent bots powered by GenAI will accelerate the scale of their complex scams, like romance fraud and relative-in-need scams, without a human behind the keyboard. These bots will respond convincingly, build trust over time, and manipulate victims with precision and emotion. As they become harder to distinguish from real people and good bots, Experian predicts fraud will scale faster and become more financially and psychologically damaging.

Fraud is becoming more adaptive, autonomous, and intelligent. But the good news is we can fight back. At Experian, we’re committed to helping businesses outpace these threats by combining differentiated data, advanced analytics, and AI-powered technology. Together, we can protect consumers without sacrificing experience and make a real difference in people’s lives.

Learn more about Experian’s fraud prevention solutions here.

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At Experian, we believe that financial education and opportunities should be accessible to everyone, and sometimes the best way to share that message is through something that unites us all, like sports.

As part of our latest installment of the “BFF” – Big Financial Friend – ad campaign, we celebrate smarter money moves with two professional athletes and real-life best buddies San Francisco linebacker Fred Warner and Los Angeles wide receiver Puka Nacua. These pro football stars bring authenticity and energy to the campaign by showing how Experian can be the ultimate teammate, helping consumers save money and make better financial decisions.

In the new commercials developed by Experian’s in-house creative agency The Cooler, Fred and Puka talk life, football, and finances. Their chemistry illustrates what Experian stands for: being by consumer’s side like a trusted friend who’s always looking out for them.

Sports as a bridge to financial empowerment

Sports have a unique ability to bring people together across backgrounds, circumstances, and financial situations. Whether fans are watching from home or in the stadium, sports create shared experiences that transcend differences. That’s why we continue to leverage this powerful platform to reach as many people as possible with our message of financial empowerment and to share our products and services.

We’re thrilled to work with athletes like Fred and Puka, whose energy and authenticity help us connect with millions of fans during some of the biggest sporting events of the year. These moments aren’t just games, they’re cultural touchpoints, and we’re harnessing them to reach more people with knowledge and tools that make a real difference.

This campaign is a great example of how we’re combining creativity, culture, and technology to make financial wellness accessible to everyone.

Watch the new ad here and keep an eye out for it during the College Football and pro football playoff season.

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We outline six key predictions, with AI emerging as the central theme. From synthetic identities and autonomous AI agents to shape-shifting malware and even vulnerabilities in brain-computer interfaces, the forecast paints a picture of a threat environment that’s evolving faster than many organizations can keep up with.

The stakes are high. In the first half of 2025 alone, more than 8,000 global data breaches exposed approximately 345 million records [1]. Experian’s clients in the United States, United Kingdom, and Canada were among the hardest hit.

Consumers Are Feeling the Impact

To check the pulse of how consumers are feeling about the impact of AI on security, we recently conducted a national survey in the U.S. and UK. The findings reveal growing anxiety around AI-driven threats. In both the U.S. and U.K., more than 80% of respondents expressed concern about AI being used to create fake identities indistinguishable from real people. Millennials appear especially vulnerable, with 1 in 4 reporting identity theft in the past year and nearly a quarter falling victim to phishing attacks.

The findings also show a lack of confidence in corporate defenses:

• 69% of U.S. adults don’t believe their bank or retailer is prepared for AI-driven attacks.
• 76% believe cybercrime will continue to escalate and become impossible to slow down due to AI.
• 35% worry about being held personally liable for cybersecurity mistakes at work.

Preparing for the AI-Driven Future

While the threats are daunting, organizations can turn the tide by adopting AI defensively. Proactive investments in AI-powered threat detection, employee training, and incident response planning will be critical in 2026 and beyond. Experian Data Breach Resolution has more than 20 years of experience helping companies manage a security incident and it’s no different today than it was two decades ago – the same technologies that are being used against us can also be used to protect us. AI can help detect anomalies faster, automate responses, and reduce human error. But it requires investment, training, and preparation.

To review all six predictions, download the paper here. Understanding what’s coming is the first step toward building a stronger, more resilient cybersecurity strategy.

[1] Data Breach Statistics 2025: Key Trends, Costs & Risks Revealed, SQ Magazine, October 6, 2025

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That’s why, as of today, Experian will provide free access to VantageScore 4.0 indefinitely.

We’ve championed the Federal Housing Finance Agency and Director Pulte’s decision to approve modern scores and support their call to uncover creative ways to make the credit scoring industry more competitive and mortgages more affordable for Americans.

Today, we’re responding to Director Pulte’s call with this exciting step forward.

By giving our clients the resources and flexibility to evaluate the benefits of modern scoring in real workflows, we can make homeownership more accessible to more people, in more places, more of the time.

This is about accelerating score choice in a responsible, transparent way so lenders can test and learn, and more consumers can be seen for the full picture of their financial behavior.

Total transparency. Total utility. Flexible. Secure. Reliable.

 To deliver this, we’re proud to introduce the Experian Score Choice Bundle, a first-of-its-kind credit scoring solution for the mortgage market. The bundle provides lenders with both VantageScore 4.0 and FICO 2 on every transaction, offering the freedom to choose the score that best fits their needs. The result: reduced costs for lenders, expanded access to credit, and a clearer path to homeownership for millions of consumers.

When you buy from Experian, here’s exactly what you’ll pay:

• Credit Profile: One fee for the credit profile with trended data
• Data for Score Processing: One fee for data used to process both scores: VantageScore 4.0 and FICO 2
• 3rd Party Support: A fee to account for additional risk and operational complexity associated with third-party processing (if applicable)
• Score Algorithm Licensing: Any royalty charged by the score algorithm providers (if applicable)

This is what lenders pay for today, but with added transparency. We’ve separated our Data for Score Processing fee from Score Algorithm Licensing fee, so lenders know exactly who they’re paying and for what.

Lenders will now receive both scores on every transaction, allowing them to:

1. Evaluate VantageScore 4.0 against new GSE LLPA guidelines
2. Fund loans that qualify with VantageScore 4.0 that may not have qualified otherwise
3. Pass both scores to the secondary market for evaluation against real lending decisions and evolving GSE standards

The Experian Score Choice Bundle builds on what has always set Experian apart – the quality, accuracy, and depth of our data, supported by the technology and infrastructure that make it all possible.

Our trusted data powers the mortgage ecosystem, giving lenders the confidence to make informed, responsible decisions while helping consumers build stronger financial futures. For decades, we’ve invested in the integrity, predictiveness, and security of our data and in the systems, compliance frameworks, and technology that deliver millions of credit reports and scores securely, consistently, and in real-time. This same infrastructure also supports consumers directly – helping them understand their credit, resolve questions, and take control of their financial health. Together, these investments ensure the mortgage market remains stable, transparent, and trusted.

To accelerate score choice adoption, VantageScore 4.0 is available within Experian’s award-winning Ascend Analytical Sandbox, enabling lenders, resellers, and other market participants to model, test, and analyze score performance. Lenders can also enhance decisioning with Experian’s Cashflow Score and Cashflow Attributes, which provide deeper insights into borrower financial behavior (such as income, expenses, and cash reserves) to better serve consumers with limited or emerging credit histories.

Experian’s commitment to innovation that fuels competition and expands access to credit is unwavering. From VantageScore to our award-winning Experian Verify and Power Profile Plus solutions, we’re transforming how lenders evaluate consumers and make confident, informed credit decisions. At the same time, we’re empowering millions of consumers directly through Experian Boost, which helps expand credit histories by adding positive cell phone, utility, insurance, and rent payments, and Experian RentBureau, the nation’s largest database of rental payment history. Together, these innovations give lenders a more complete view of financial behavior and open the door to affordable credit and sustainable homeownership for more consumers.

Ultimately, this is about greater choice, lower costs, and broader access – helping lenders serve more borrowers and creating a mortgage market that works better for everyone.

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FICO is now proposing an aggressive strategy to restructure distribution in order to push through an unprecedented price increase for its own benefit. The new direct licensing model introduces unnecessary technological, operational, and regulatory complexity for lenders and other market participants – complexity that ultimately increases costs and risks for the housing ecosystem. On pricing, the math speaks for itself. FICO has now more than doubled its fee from $4.95 to $10, and it’s an even worse increase under the proposal for a $33 closing fee. Make no mistake, this will place an even greater financial burden on the industry, that will inevitably be passed to consumers.

Experian has long supported the industry’s evolution toward more modern, inclusive, and efficient credit solutions. We have a track record of partnering with lenders, agencies, and regulators to ensure innovation strengthens – not hinders – the system. FICO’s actions only underscore the need for alternatives that deliver value, not additional burden. As a result, we are committed to accelerating the adoption of VantageScore – an innovative, proven, and cost-effective solution that better serves both lenders and consumers.

We remain confident in our position, our client partnerships, and our ability to deliver solutions that balance affordability, fairness, and accuracy. Experian will continue to work with the industry to drive innovation, empower consumers, and strengthen the housing finance system for the future.

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