Jurisdiction(s):
United Kingdom

Key definition

Experian definition

What does Experian mean? In UK pensions practice, Experian is a credit reference and data analytics agency whose failure-score modelling was used by the pension protection fund (PPF) to assess the insolvency risk of sponsoring employers and produce the PPF score, which determined the risk-based levy payable by defined benefit schemes. Experian performed this role from April 2014 until 2020. Since 2020, Dun & Bradstreet has been the PPF’s insolvency risk service provider; current PPF employer scores are therefore provided by Dun & Bradstreet and references to Experian scores are historic. This usage is descriptive rather than statutory. The Pensions Act 2004 and...

Experian/ClearScore: CMA Phase 2 merger inquiry finds provisional SLC in UK credit comparison and checking; prohibition only remedy; deal abandoned (2018–2019) [Archived]

Published by a LexisNexis Competition expert

Practice notes

CASE HUB ARCHIVED

This archived case hub records the position as at the Abandonment date of 27 February 2019; it is no longer being updated. For more detail, see the timeline and commentary.

Case facts

Outline of the UK merger inquiry into the proposed purchase by Experian Limited of Credit Laser Holdings Limited (ClearScore). The deal featured horizontal overlaps in UK markets for credit-score checking and related services.

Latest developments

On 27 February 2019, the parties withdrew from the deal. On that same day, the CMA revoked the merger reference.

Parties

Experian is a group headquartered in Ireland (listed on the London Stock Exchange) and is the world’s foremost information services company. Experian operates across 37 countries. Credit Laser Holdings (ClearScore) is a UK-based business that offers free credit score checks to UK consumers.

Market(s)

The CMA assessed the markets for the supply of: (a) CCPs for loans and credit cards in the UK; (b) CCTs in the UK; and (c) pre-qualification services in the UK. For (a) and (b), these services help consumers check their credit scores, manage their finances, and select loans and credit cards online.

Credit score checking services...

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Web page updated on 21/05/2026

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