# Experian credit underwriting technology expansion

> Live situation record from CLSTR: https://clstr.news/situations/experian-credit-underwriting-technology-expansion
> Updated: 2026-10-06T14:55:50.000Z. Sources: 9. Developments: 3.

Experian has introduced new technological tools aimed at enhancing credit underwriting and evaluation processes across different sectors.

In the United Kingdom and United States, the company launched ‘Fast Track’ within the Experian Marketplace. This feature utilizes open banking and affordability data to perform verification checks earlier in the pre-approval stage for loans and credit cards. The tool is intended to reduce manual reviews for lenders and provide consumers with a clearer understanding of their likelihood of approval.

In the United States, Experian expanded its commercial offerings with ‘Cashflow Attributes for commercial lenders’. This tool converts bank transaction data into over 500 analytics-ready indicators, such as liquidity and revenue trends, to assist in evaluating small business creditworthiness. By integrating these insights with traditional commercial credit data, Experian claims the tool can improve predictive power by up to 24% for companies with short credit histories.

Furthering its expansion into cash flow data, Experian announced the launch of Experian Cashflow Data Bureau, Inc. Operating under the Fair Credit Reporting Act (FCRA), this new consumer reporting agency provides financial institutions with consumer-permissioned cash flow insights. Experian states that integrating these insights with traditional credit data can increase predictive performance by up to 40% and potentially increase credit approvals by up to 25% without increasing risk tolerance. The service specifically targets the approximately 20% of consumers who lack access to or have damaged credit.

## Timeline

### 2026-10-06: Experian launches new Cashflow Data Bureau

Experian has launched Experian Cashflow Data Bureau, Inc., a new agency providing consumer-permissioned cash flow insights to help lenders improve underwriting and expand credit access.

4 sources. https://clstr.news/cluster/experian-launches-new-cashflow-data-bureau

### 2026-09-29: Experian launches cashflow analytics tool for US small business lending

Experian launched a new tool in the US that uses business bank transaction data to provide over 500 indicators, helping lenders better assess the creditworthiness of small businesses with limited histories.

3 sources. https://clstr.news/cluster/experian-launches-cashflow-analytics-tool-for-us-small-business-lending

### 2026-09-17: Experian launches Fast Track to improve credit underwriting

Experian launched ‘Fast Track’ on its Marketplace platform, using open banking and advanced data to perform earlier affordability and identity checks for lenders and consumers.

2 sources. https://clstr.news/cluster/experian-launches-fast-track-to-improve-credit-underwriting

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Cite as: Experian credit underwriting technology expansion. CLSTR, https://clstr.news/situations/experian-credit-underwriting-technology-expansion