Experian Cashflow Score

Cashflow Score leverages consumer-permissioned banking transaction data to generate a risk score (300–850) that predicts the likelihood of a consumer going 60 days past due in the next 12 months.

Designed to complement traditional credit scores or used as a standalone score, it provides deeper visibility into a consumer’s financial health. With real-time insights into income, expenses and spending patterns, lenders can enhance cash flow underwriting, expand market reach and improve risk assessment with greater confidence.