What Consumerinfo.com does

Consumerinfo.com is operated as the consumer-direct internet property of Experian plc, a global data and analytics company listed on the London Stock Exchange (ticker: EXPN). The Irvine, USA–based consumer portal surfaces free credit reports, FICO Score 8 readings, and identity-theft protection, and acquired the Consumerinfo.com domain in 1993 to serve as a primary consumer-facing front door. The destination experience has been consolidated under Experian.com, with Consumerinfo.com redirected to leverage Experian's unified sign-on ecosystem.

The product portfolio extends well beyond credit reporting. Experian Boost ingests positive utility, telecom, and streaming payment data to improve a consumer's FICO score; Experian Go addresses thin-file and no-file consumers building initial credit; Experian Smart Money delivers a digital checking account, bill management, and (historically) paycheck-advance functionality via a partnership with Community Federal Savings Bank and Mastercard; and the Gabi-powered insurance marketplace adds personal-lines insurance comparison. Underlying scoring leverages the consumer credit bureau's tradeline, public-record, and alternative-data assets — one of only three nationwide U.S. credit bureaus, making the dataset structurally difficult to replicate.

Revenue is generated through three primary streams: (1) consumer subscription services — paid tiers such as identity-theft protection and Premium membership; (2) Financial Products Referral — affiliate commissions from matched credit-card, loan, and banking offers presented through the platform; and (3) Insurance Marketplace — affiliate referrals routed to Gabi's insurance carrier panel. Combined with the free-credit-report acquisition funnel, this mix converts high-volume consumer traffic into a mix of subscription revenue and performance-based affiliate economics.

Name

Consumerinfo.com

Legal name

Experian

Website

https://consumerinfo.com

Company type

Public

Founded year

1993

Operating status

Operating

Headcount range

1–10 employees

Short description

Consumerinfo.com is the legacy consumer-facing domain of Experian, redirected to Experian.com, where U.S. consumers access free credit reports, FICO scores, identity protection, and increasingly adjacent banking and insurance products. The platform monetizes via subscriptions and affiliate referrals.

Ownership category

akta.pro rank

Product category

Consumer Credit Reporting & Financial Wellness

NAICS

Credit Bureaus (56145), Consumer Lending (522291), Credit Bureaus (561450)

SIC

Services-Consumer Credit Reporting, Collection Agencies (7320), Personal Credit Institutions (6141), Finance Services (6199)

akta.pro primary industry

Credit Education, Monitoring & Consumer Credit Management Tools (FSAKAKAJ)

akta.pro secondary industries

Alternative / Non-Traditional Credit Data Providers (FSAKAKAB), Account Aggregation & Connectivity (Multi-bank linking) (FSAGACAA), Retail Credit (Closed-End) & Promotional Financing (0%/Deferred Interest) (FSAKAFAF)

Keywords

• Credit reporting
• Credit monitoring
• Identity theft protection
• Credit score tracking
• Consumer credit services

Headquarters

HQ city

Irvine

HQ country

United States

HQ region

North America

Markets served

GTM type

B2C

Offering type

Software

Cost components

Technology or R&D, Operations, Marketing or Sales, Personnel, Infrastructure, Others

Revenue model

1. Subscription Services: Premium membership services offering subscription cancellation and bill negotiation, credit monitoring, and identity theft protection. Free tier provides basic credit report and FICO Score access.
2. Financial Products Referral: Referral and lead generation for credit cards, loans, and insurance products through the platform
3. Insurance Marketplace: Commission-based revenue from insurance comparison and switching services through Gabi Personal Insurance Agency

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels4 records

Core offering

Consumerinfo.com operates as the consumer-facing portal of Experian plc, providing individual U.S. consumers with free access to credit reports and FICO® Score 8, credit monitoring and alerts, identity theft and fraud protection (dark web scans, privacy scans, fraud alerts, security freezes, CreditLock), credit-building tools (Experian Boost®, Experian Go™), credit card and loan matching services, subscription/bill management and negotiation, paycheck advances, digital savings, and a digital checking account (Experian Smart Money™) issued in partnership with Community Federal Savings Bank. Revenue is generated from premium subscriptions, financial product referrals, and insurance commissions via the Gabi Personal Insurance Agency subsidiary.

Product overview

Consumerinfo.com (Experian) offers a unified consumer credit management platform with a core suite of credit monitoring products (free credit reports, FICO® Scores, credit monitoring) and multiple integrated add-on modules and sub-brands. The platform includes Experian Boost® for bill-based credit building, Experian Go™ for establishing new credit, and Experian Smart Money™ for digital banking with credit-building features. Additional services span identity theft protection (dark web scans, privacy scans, fraud alerts, CreditLock), financial management tools (subscription cancellation, insurance comparison via Gabi, paycheck advances, savings accounts), and credit card/loan matching services. The architecture combines the core credit infrastructure with specialized add-on modules and partner-powered services (insurance, ATM networks) to provide an integrated consumer financial wellness ecosystem.

Differentiator

Problem solved

Functional benefit

Products and services

• Free Credit Report Provides U.S. consumers with free access to their latest Experian credit report and credit file information.
• Free FICO® Score Provides U.S. consumers free access to their FICO® Score based on the FICO® Score 8 model, with the caveat that lenders/insurers may use a different FICO® Score version.
• Experian Boost® Allows users to instantly raise their FICO credit scores by connecting eligible recurring bill payments (cell phone, utilities, streaming services, and eligible rent) to their Experian credit file.
• Experian Go™ Enables consumers to establish and build credit history from scratch, targeted at new-to-credit or thin-file consumers.
• Experian Smart Money™ Digital Checking Account Digital checking account designed by credit experts that helps consumers build credit by tracking bill payments like rent, internet, and utilities; features no monthly fees and offers a $50 bonus for direct deposit setup. Issued by Community Federal Savings Bank with Experian acting as Program Manager.
• Experian Cash (Paycheck Advance) Provides consumers access to earned wages before payday with no interest charges and no late fees.
• Experian Digital Savings Digital savings account offering consumers an online way to grow their savings.
• Identity Theft and Fraud Protection ID monitoring, alerts and protection services for identity theft prevention offered to U.S. consumers.
• Subscription and Bill Management Service to cancel or lower over 200 eligible subscriptions and recurring bills; users completing at least one negotiation and canceling at least one subscription averaged $631/year in savings.
• Auto Insurance Comparison Monitors, shops and compares car insurance quotes through Gabi Personal Insurance Agency; average savings of $1,007 per year for customers who switched.
• Free Credit Monitoring Real-time monitoring of credit file changes with alerts delivered to consumers.
• 3-Bureau Credit Reports & FICO® Scores Provides consumers with credit reports and FICO® Scores aggregated from all three major U.S. credit bureaus (Experian, Equifax, and TransUnion).
• Credit Card Matching Services Matches consumers to credit card offers across categories such as balance transfer, cash back, bad credit, low interest, rewards, and secured cards.
• Loan Matching Services Offers loan matching services including debt consolidation, personal loans, quick loans, emergency loans, bad credit loans, unsecured loans, small loans, $5,000 loans, and car purchase loans.
• Experian Mobile App Mobile application for managing credit basics, receiving real-time credit alerts, and accessing Experian financial tools on iOS and Android.

Quantifiable outcome

• Users who completed at least one negotiation and canceled at least one subscription averaged $631/year of anticipated savings
• +1 more outcomes

Segments1 record

Ideal customer profiles1 record

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

Feature4 records

Partnerships

Three partnerships are on record, tiered core and supporting.

• Community Federal Savings Bank (CFSB)coreTechnology or IntegrationCFSB issues the Experian Smart Money Debit Card and provides banking services for Experian's digital checking account product. Experian serves as Program Manager. Banking services are FDIC insured up to $250,000.
• Mastercard InternationalsupportingTechnology or IntegrationMastercard provides the payment network license for the Experian Smart Money Debit Card issued by Community Federal Savings Bank.
• Gabi Personal Insurance Agency, Inc.coreChannel Partner/ Reseller/ DistributorLicensed insurance subsidiary of Experian that provides the insurance comparison and switching marketplace. Offers auto and home insurance from a network of top-rated insurance companies. Experian receives referral/commission revenue for successful policy switches.

Recent moves5 records

Expansion highlights4 records

Broad incumbents

• Bankrate: Long-standing consumer financial comparison and affiliate marketplace for credit cards, loans, and banking — adjacent competitor in the credit-card/loan matching flows that Experian monetizes.
• FICO: Provider of the FICO Score 8 model that Experian distributes; a broader credit-scoring industry incumbent whose scoring technology underpins much of Experian's consumer credit offering.

Emerging players

• SmartAsset: Financial product comparison marketplace (credit cards, loans, banking, insurance) with content-led SEO acquisition — comparable funnel logic to Experian's affiliate referral business.
• SoFi: Digital banking plus lending platform offering credit score visibility, credit monitoring, loans, credit cards, and deposit products — overlapping with Experian Smart Money, credit-card matching, and loan marketplace.

Direct peers

• NerdWallet: Consumer financial product comparison and affiliate-driven marketplace for credit cards, loans, banking, and insurance — competing with Experian's credit card, loan, and insurance referral funnels.
• Equifax (U.S. Consumer Services): One of the three major U.S. credit bureaus and direct competitor offering free credit reports, scores, identity protection, and monitoring to U.S. consumers through its Personal Solutions business.
• Credit Karma (Intuit): Direct competitor offering free credit scores/reports, credit monitoring, and affiliate-driven referrals to credit cards, loans, and financial products. Most head-to-head rival to Experian's consumer portal in free credit monitoring and financial product marketplace.
• Aura (Identity Guard / IdentityForce): Identity theft protection and credit monitoring service with overlapping consumer credit security, dark web scanning, and monitoring capabilities that compete directly with Experian's Protection products.
• LifeLock (Gen Digital / Norton): Leading consumer identity theft protection service with identity monitoring, alerts, and restoration — directly competing with Experian's identity theft and fraud protection suite.
• TransUnion (Consumer Interactive): Third major U.S. credit bureau and direct competitor in consumer credit reporting, score delivery, and identity protection through its Consumer Interactive division.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Subsidiaries1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Consumerinfo.com