DataCrédito Experian

What DataCrédito Experian does

DataCrédito Experian (legal entity: Experian Colombia S.A.) is the Colombian credit information operation of global credit bureau Experian plc, established in Colombia in 1974 and operating for 50 years. The company functions as a regulated 'Operador de Información' under Colombian Law 1266 of 2008, providing credit history reports, risk assessment, fraud prevention, and regulatory compliance solutions. Its core technology infrastructure includes the PowerCurve digital credit origination platform, behavioral biometrics-based fraud detection systems, and Datina, an AI-powered virtual assistant deployed on the consumer-facing MiDatacredito portal.

The company serves three primary customer segments: individuals (via the free MiDatacredito portal reaching 10M+ users), PyMEs (through direct and digital sales channels), and large financial institutions, telecommunications operators, insurance companies, and enterprises (through field sales and enterprise platforms). Revenue is generated primarily through subscription-based enterprise contracts for credit reporting, fraud prevention, SARLAFT compliance, and credit origination solutions, with a freemium model for individual consumers. Notable operational metrics include 90,000+ suspected fraud transactions detected monthly, PCI DSS V. 4.0.1 certification, and financial education programs reaching 14 cities and 11,000+ people in Colombia in 2024.

The business is a wholly-owned subsidiary of Experian plc (NYSE: EXPN), a global credit information group operating in 27+ countries with more than 20,000 employees worldwide. DataCrédito Experian leverages parent company technology, global best practices, and shared branding while operating as a distinct legal entity focused exclusively on the Colombian market. The company maintains offices in Bogotá (headquarters), Medellín, Cali, Barranquilla, and Bucaramanga, and holds strategic integrations including payment processing through Davivienda's PSE portal.

Name

DataCrédito Experian

Legal name

Experian Colombia S.A.

Website

https://datacredito.com.co

Company type

Private

Founded year

1974

Operating status

Operating

Headcount range

101–250 employees

Short description

DataCrédito Experian is the Colombian subsidiary of global credit bureau Experian plc, providing credit reporting, risk analytics, fraud prevention, and regulatory compliance solutions to individuals, PyMEs, and financial/telecom enterprises across Colombia, with 10M+ users and 50 years of market presence.

Ownership category

akta.pro rank

Headquarters

HQ city

Bogotá

HQ country

Colombia

HQ region

Latin America

Offices6 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Credit History Reports: Subscription-based credit history and scoring services for individuals and businesses, including free monthly credit history access and premium consulting services.
2. Enterprise Risk Solutions: Risk management, credit origination, portfolio management, and fraud prevention solutions for financial institutions, telecommunications, and large enterprises.
3. Fraud Prevention Services: Identity validation, behavioral biometrics, and fraud detection services for businesses.
4. Regulatory Compliance Solutions: SARLAFT and blacklist compliance solutions for regulated entities.

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels7 records

Core offering

DataCrédito Experian is Colombia's leading credit bureau and data analytics company, providing credit history reports, credit scoring, fraud prevention, identity validation, and regulatory compliance solutions (SARLAFT) to individuals, SMEs, and large enterprises such as financial institutions and telecom operators. The company distributes offerings through a self-service consumer portal (midatacredito.com), enterprise solutions (PowerCurve, portfolio management, collections, restrictive lists), and consulting/analytics services. It operates as a wholly-owned subsidiary of Experian plc, leveraging proprietary credit databases accumulated over 50 years in the Colombian market.

Product overview

DataCrédito Experian is a credit information operator and data analytics company serving Colombia with a comprehensive suite of products organized into three main segments: (1) Individuals/Consumers (Personas) — offering free monthly credit history reports through the MiDatacredito portal, along with supplementary services like Ponte al día for debt rehabilitation and Buscacrédito for credit product search; (2) SMEs (PyMEs) — providing risk assessment tools including credit history, fraud prevention, SARLAFT compliance, portfolio recovery, credit origination (PowerCurve platform), customer prospecting, and collection management (Cobraya); and (3) Financial, Telecom and Large Enterprises — delivering enterprise-grade solutions for credit origination, portfolio management, fraud and identity prevention, and consulting analytics. The portfolio also includes AI-powered virtual assistant Datina, credit alerts system, MiDecisor decision-support tool, and regulatory compliance solutions like Calificación de Cartera and Listas Restrictivas.

Differentiator

Problem solved

Functional benefit

Products and services

• Historia de Crédito (Personas) Free monthly credit history report for individuals, showing positive and negative payment behaviors, outstanding obligations, and inquiry records. Available through the MiDatacredito.com portal.
• Historia de Crédito (Empresas) Credit history report for businesses and legal entities, providing creditworthiness assessment of companies. Available to PyMEs through the datacredito.com.co enterprise portal.
• PowerCurve Digital credit origination platform enabling financial institutions to digitize and automate end-to-end credit granting processes and lending decisions.
• Prevención de Fraude Digital fraud prevention and identity validation solutions using AI-powered behavioral biometrics to protect businesses from identity theft and fraudulent transactions.
• Recuperación de Cartera Collection and portfolio recovery solutions for businesses to manage and recover outstanding debts.
• Originación de Crédito Credit origination solutions enabling businesses to digitally process loan applications and credit decisions for SMEs.
• Gestión de Portafolio Portfolio management solutions for financial institutions, telecom companies, and large enterprises.
• SARLAFT Anti-money laundering compliance solution aligned with Colombian regulations for risk management and fraud prevention.
• Listas Restrictivas Restrictive lists screening service for anti-money laundering and compliance purposes.
• Calificación de Cartera Portfolio rating solutions to help businesses meet regulatory requirements of the Circular Básica Contable y Financiera.
• Consultoría y Analytics Analytics and consulting services providing data-driven insights for business decision-making.
• MiDatacredito Consumer-facing web portal for individuals to access free monthly credit history, generate alerts, and manage credit profile. Includes sub-services like Ponte al día, Buscacrédito, and Verifica.
• Prospección de Clientes Customer prospecting and business directory service for lead generation and market expansion.
• Cobraya Collection management solution for businesses to optimize debt recovery processes.
• MiDecisor Business decision support tool providing practical guides for credit evaluation and risk assessment for SMEs.
• Ponte al día Debt recovery and financial rehabilitation service helping individuals normalize their credit situation.
• Buscacrédito Credit search and comparison tool to help individuals find suitable credit products.
• Verifica Identity verification service for individuals to validate their credentials.
• Crecimiento Empresarial Business growth solutions including customer prospecting and business intelligence to help SMEs expand.

Quantifiable outcome

• 32% of credit originations achieved through digital channels for financial institution customers
• +4 more outcomes

Named customers4 records

Segments3 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability2 records

Feature5 records

Scale indicators10 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• CIFIN: Colombia's other major consumer credit bureau, operated under TransUnion. Directly competes with DataCrédito Experian for both consumer reports and enterprise data feeds within the Colombian market, with overlapping regulatory standing under Law 1266.
• Círculo de Crédito: Major Mexican credit bureau serving banks and fintechs with consumer and business credit data. Comparable to DataCrédito in core information-operator role and product set (reports, scoring, fraud).
• Bureau de Crédito (TransUnion Mexico): Mexico's principal consumer credit bureau under TransUnion. Highly comparable in operating model and regulatory role, providing a regional benchmark for credit bureau economics in another large Latin American market.
• Serasa Experian: Brazilian Experian subsidiary and the largest credit bureau in Latin America. Closest comparable in operating model, product suite (PowerCurve, fraud, analytics), and regulatory positioning to DataCrédito's Colombian operation.
• Equifax Colombia: Local subsidiary of global bureau Equifax providing credit reporting, risk, and analytics to Colombian banks and enterprises. Comparable in offering mix (consumer reports, business credit, fraud) and target customer base.
• CRIF: Italy-based global credit information and decisioning provider active in Latin America. Directly competes with bureau-style credit information services and offers similar scoring, fraud, and origination software.

Broad incumbents

• Dun & Bradstreet: Global provider of business credit reports and commercial data. Overlaps with DataCrédito's business credit history and Crecimiento Empresarial / Prospección de Clientes offerings for SME and enterprise customers.
• Equifax: Global credit bureau parent of Equifax Colombia. Overlaps with DataCrédito's enterprise risk, consumer credit, and analytics offerings worldwide but operates as a broad incumbent across many verticals rather than a Colombia-focused specialist.
• TransUnion: Global credit bureau parent of CIFIN (Colombia) and Bureau de Crédito (Mexico). Competes with Experian/DataCrédito across multiple geographies and product lines including fraud, marketing, and analytics.

Emerging players

• Creditsafe: International business credit reporting group expanding across Latin America. Comparable to DataCrédito's enterprise and SME credit information products, particularly Prospección de Clientes and business credit reports.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/DataCreditoExperianColombia

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Subsidiaries2 records

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 DataCrédito Experian