Experian Peru
Experian Peru is the Lima-based subsidiary of Experian plc, providing credit bureau data, decisioning software, fraud prevention, and analytics to Peruvian financial institutions, SMEs, and consumers via subscription-based products.
- Company typePublic
- Founded2010
- HeadquartersLima, Peru
- Headcount101–250
- GTM typeB2B and B2C
- OfferingServices
What Experian Peru does
Experian Peru S.A.C. is the Lima-based Peruvian subsidiary of Experian plc, a global information services group listed on the New York Stock Exchange under ticker EXPN. The company operates as the local Central de Riesgo (credit bureau) and information services provider, delivering credit history reports, credit scores, and risk assessment data to financial institutions and businesses to support credit decisioning across the consumer and commercial lifecycle. It complements bureau data with a suite of analytics software, decisioning platforms, fraud and identity solutions, and anti-money laundering tools, while also serving individual consumers through the MiSentinel portal.
Its core technology stack is cloud-based and built around three platform families: CrossCore (a modular identity and fraud prevention platform with sub-products covering digital onboarding, account takeover monitoring, identity verification, and batch processing); the PowerCurve Suite (Strategy Management, Originations, Customer Management, and Collections for end-to-end credit lifecycle decisioning); and the Ascend analytics layer (Ascend Attributes, Ascend Analytical Sandbox) supported by Advance Score and Experian Customiza for proprietary and configurable credit scoring. Supporting modules cover data quality (Aperture Data Studio), customer monitoring (eProfile, Huella de Consulta, Sabio Financiero), portfolio risk evaluation (Alineamiento de Cartera, Análisis de Cosechas, Matriz de Transición), collections optimization (Cobranza Blanca, Segmentación de Cobranzas), AML/FT compliance (Listas PLAFT), and SME-focused tools (Sabio Empresarial, ReportaFácil).
The business operates a subscription/recurring revenue model across three revenue streams: Credit Information Services (bureau data and reports), Software and Decisioning Platforms (PowerCurve, CrossCore, Ascend licensing to enterprise clients), and Consumer Services (MiSentinel credit monitoring). Distribution is primarily through enterprise field sales with consultative selling to large Peruvian corporations and financial institutions, supplemented by a secure client portal for existing accounts and a self-service consumer portal. Pricing is not publicly disclosed and is customized per enterprise, while compliance with Peruvian regulators (SBS, SMV, UIF) is both a regulatory requirement and a distinct product line.
Experian Peru firmographics
Firmographics- Name
- Experian Peru
- Legal name
- Experian Perú S.A.C.
- Website
- https://experian.com.pe
- Company type
- Public
- Founded year
- 2010
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- Experian Peru is the Lima-based subsidiary of Experian plc, providing credit bureau data, decisioning software, fraud prevention, and analytics to Peruvian financial institutions, SMEs, and consumers via subscription-based products.
- Ownership category
- akta.pro rank
Experian Peru industry classification
Industry- Product category
- Credit Information Services
- NAICS
- Credit Bureaus (561450), Collection Agencies (56144)
- SIC
- Services-Consumer Credit Reporting, Collection Agencies (7320)
- akta.pro primary industry
- Credit Bureaus & Consumer Credit Reporting Agencies (FSAKAKAA)
- akta.pro secondary industries
- Credit Education, Monitoring & Consumer Credit Management Tools (FSAKAKAJ), Specialty Consumer Loan Servicing & Collections (Subprime) (FSAKAOAJ), Third-Party Collection Agencies (Consumer) (FSAKAJAB)
Keywords
Where Experian Peru is headquartered
LocationHeadquarters
- HQ city
- Lima
- HQ country
- Peru
- HQ region
- Latin America
Offices1 record
Markets served
Experian Peru business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Technology or R&D, Personnel, Operations, Marketing or Sales, Infrastructure
Revenue model
- Credit Information Services: Experian Peru operates as a credit bureau (Central de Riesgo) providing credit history reports, credit scores, and risk assessment data to financial institutions and businesses for credit decisioning
- Software and Decisioning Platforms: Sale and licensing of analytics software platforms including PowerCurve, CrossCore, and other decisioning tools to enterprise clients for credit origination, customer management, and collections
- Consumer Services: Services helping individuals understand and control their financial health through access to credit history, credit scores, and finding credit offers
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Annual | Enterprise/Corporativo solutions - customized pricing for large organizations |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels5 records
Experian Peru product offering
Product offeringCore offering
Experian Peru (Experian Perú S.A.C.) operates as a credit bureau (Central de Riesgo) supplying credit history reports, credit scores, and risk assessment data on consumers and businesses in Peru. The company builds and sells decisioning software platforms (PowerCurve Suite, CrossCore), an analytical sandbox (Ascend), and an AML/FT screening service (Listas PLAFT), while offering consumers direct access to their credit data and monitoring through the Misentinel portal.
Product overview
Experian Peru operates as a platform-plus-modules architecture offering comprehensive credit information, risk assessment, and fraud prevention services. The core product ecosystem includes CrossCore (modular identity and fraud prevention platform with sub-products CrossCore 4 Digital, CrossCore IDefender, CrossCore ID, and CrossCore Offline) and Misentinel (personal credit monitoring portal). The PowerCurve family provides decisioning and collections capabilities including PowerCurve Collections, Decisioning Originations, Strategy Management, and Customer Management. The Ascend suite offers analytical tools (Ascend Attributes, Ascend Analytical Sandbox) alongside scoring solutions (Advance Score, Experian Customiza). Additional modules cover data quality (Aperture Data Studio), customer monitoring (eProfile, Huella de Consulta, Sabio Financiero, Sabio Empresarial), credit history services, collections optimization (Cobranza Blanca, Segmentación de Cobranzas), portfolio risk evaluation (Alineamiento de Cartera, Análisis de Cosechas, Matriz de Transición), anti-money laundering (Listas PLAFT), and SME-focused tools (ReportaFácil). All offerings are delivered through Experian's cloud-based technology infrastructure.
Differentiator
Problem solved
Functional benefit
Products and services
- CrossCore
Quantifiable outcome
- Reduce debt levels and delinquency rates for collections clients
- +2 more outcomes
Companies that use Experian Peru
Customer profileSegments3 records
Ideal customer profiles3 records
Experian Peru technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature5 records
Experian Peru partnerships and signals
Strategic signalScale indicators2 records
Recent moves6 records
Expansion highlights5 records
Experian Peru competitors and assessment
Company assessmentBroad incumbents
- TransUnion: Major global credit bureau competing for the same Peruvian enterprise clients in credit reporting, identity, and analytics. While TransUnion's direct LatAm footprint is smaller than Equifax's, it competes for the same bank and corporate contracts Experian Peru serves.
- FICO: Global leader in credit scoring and decisioning software whose FICO Score and decisioning platforms compete with Experian's Advance Score, PowerCurve, and Ascend suites. Overlaps with Experian Peru particularly on enterprise decisioning software deals in Peruvian banks.
- LexisNexis Risk Solutions: Part of RELX, providing identity verification, fraud detection, and data analytics that compete directly with Experian Peru's CrossCore and customer monitoring products. Operates globally and serves enterprise and financial institution clients similar to Experian Peru's Corporativo segment.
- Moody's Analytics (Bureau van Dijk): Business information, corporate credit data, and analytics provider competing for enterprise clients needing company-level credit and financial intelligence. Comparable to Experian Peru's data quality (Aperture Data Studio), portfolio risk, and business information offerings for Corporativo clients.
- Dun & Bradstreet: Global business credit information and analytics provider that overlaps with Experian Peru's Pymes (SME) monitoring products such as Sabio Empresarial and ReportaFácil, and competes for the same corporate credit intelligence use cases.
Others
- SAS Institute: Enterprise analytics and decisioning platform vendor whose credit risk and fraud analytics tools are used by some of the same Peruvian financial institutions that buy from Experian Peru. Competes indirectly for enterprise analytics and decisioning budgets rather than for credit bureau data itself.
Emerging players
- Veriff: Digital identity verification vendor serving global fintechs and banks with KYC/AML checks. Competitor to Experian Peru's CrossCore ID and CrossCore 4 Digital identity verification modules, particularly for digital onboarding flows in Peruvian financial services.
- GBG: Identity verification and fraud prevention platform with growing Latin American presence, competing with Experian Peru's CrossCore identity, authentication, and fraud offerings. Targets the same digital onboarding and account takeover use cases in Peruvian banking and fintech.
Direct peers
- CRIF: Italian-headquartered global credit bureau with a meaningful Latin American presence, offering credit information, scoring, and decisioning solutions targeting banks and SMEs. Directly comparable in business model (credit data plus analytics) and target segment to Experian Peru.
- Equifax: Global credit bureau and analytics competitor with a direct Peruvian subsidiary (Equifax Perú) operating in the same credit reporting, scoring, and decisioning space. Equifax is the closest head-to-head rival across both bureau subscriptions and enterprise analytics products offered by Experian Peru.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat5 records
Key risks5 records
Key highlights5 records
Customer concentration
Experian Peru social profiles
Digital presenceExperian Peru financial estimates
Financial estimateRevenue estimate
Valuation estimate
Experian Peru leadership team
Management profileNumber of profiles
Profiles1 record
Experian Peru funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Experian Peru M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Experian Peru
What does Experian Peru do?
Experian Peru (Experian Perú S.A.C.) operates as a credit bureau (Central de Riesgo) supplying credit history reports, credit scores, and risk assessment data on consumers and businesses in Peru. The company builds and sells decisioning software platforms (PowerCurve Suite, CrossCore), an analytical sandbox (Ascend), and an AML/FT screening service (Listas PLAFT), while offering consumers direct access to their credit data and monitoring through the Misentinel portal.
Is Experian Peru a public or private company?
Experian Peru is a public company. It is classified as corporate owned and is currently operating.
When was Experian Peru founded?
Experian Peru was founded in 2010. It employs 101 to 250 people.
Where is Experian Peru based?
Experian Peru is headquartered in Lima, Peru, in the Latin America region.
How does Experian Peru make money?
Three revenue lines are on record. Credit Information Services are the primary driver. The others are software and Decisioning Platforms and consumer Services.
Who are Experian Peru's main competitors?
Broad incumbents on record are TransUnion, FICO, LexisNexis Risk Solutions, Moody's Analytics (Bureau van Dijk) and Dun & Bradstreet. SAS Institute is listed as an others. Emerging players are Veriff and GBG. Direct peers are CRIF and Equifax.
Does Experian Peru have an API?
No public API is recorded for Experian Peru.
What industry is Experian Peru in?
Experian Peru's product category is Credit Information Services. Its primary akta.pro industry code is FSAKAKAA, Credit Bureaus & Consumer Credit Reporting Agencies, with a secondary code of FSAKAKAJ, Credit Education, Monitoring & Consumer Credit Management Tools. Its NAICS code is 561450 and its SIC code is 7320.