Experian Streamlines Credit Report Access for Small Lenders

Experian has launched a self-service digital onboarding platform designed to provide small-volume U.S. lenders with streamlined access to consumer credit reports.

The new Experian Express enables small lenders such as community banks and credit unions to digitally credential, onboard and access these credit reports through a fully online process, the global data and technology company said in a Tuesday (April 7) press release.

The platform allows quicker and more efficient access to Experian credit data for lenders that have lower-volume credit report access needs, according to the release.

“Small lenders play a vital role in expanding consumer access to credit,” Molly Poppie, chief product and analytics officer for Experian, said in the release. “Driven by our commitment to financial inclusion, Experian Express brings digital onboarding to a traditionally manual process, giving lenders a faster, more efficient way to obtain the credit insights they need confidently extend credit and support consumers across the communities they serve.”

Experian Express is the latest of several new offerings the company has announced in recent months.

The company said in February that it expanded its data and identity assets by adding over 10 billion email addresses worldwide with the acquisition of AtData, a data and intelligence company employing “email insights technology.”

“AtData’s real-time data signals, combined with Experian’s extensive consumer data, analytics and decisioning platforms, mean clients can more confidently identify, authenticate and engage consumers across digital channels,” Experian said at the time.

In November 2025, Experian introduced a new model called “Credit + Cashflow Score” that combines its credit, alternative and trended data, and consumer-permissioned banking information into a single score.

Combining Experian’s data with information “about how a consumer is managing their finances through open banking is the future of underwriting,” Scott Brown, group president for financial and marketing services for Experian North America, said in a Nov. 10 press release.

During the same month, Experian launched a collaboration with embedded lending platform Lendflow, saying the partnership is designed to offer small businesses access to “carefully selected and vetted” lenders around the country. It offers business owners a lending marketplace embedded directly within Experian’s app.