Experian (AU) Credit Enquiry
Overview
finPOWER Connect v6.00.03 introduces a new Experian (Australia) Credit Bureau service. Experian has acquired illion's Australian business and is decommissioning the existing illion (AU) Credit Bureau integration; the new Experian (AU) service is the migration target for every illion (AU) customer.
The initial release supports the Consumer Enquiry product. Unlike the New Zealand bureau, Experian Australia varies the data returned by an enquiry through a Product Code rather than separate Enquiry Type / Negative / Comprehensive switches. Four Product Codes are supported out of the box, covering Negative and Comprehensive enquiries with various scoring and Alt Fi / Geographic Risk Index combinations. Custom Product Codes can also be configured by Experian on a per-customer basis.
Both finPOWER Connect Desktop and finPOWER Connect Cloud are supported, and a new pair of HTML Widgets and a new Summary Page deliver an end-to-end Cloud experience.
Prerequisites
HtmlWidget_ExperianAU_Individual registered as the Individual Credit Enquiry widget for the Experian (AU) service in Cloud ConfigurationSetup & Configuration
Setup follows the same pattern as the NZ bureau: configure Experian credentials and default Enquiry options on the Cost Centre, then (for Cloud) wire up the new HTML Widgets through Cloud Configuration.
Cost Centre — Credentials and Options
Desktop: Administration, Cost Centres, then open or create the Cost Centre that will be used for Experian (AU) enquiries. Cloud: Administrator, Cost Centres.
On the Cost Centre's Services list, tick Experian (AU). A new Experian AU page will appear in the form's left-hand navigation.
On the Credentials page, enter the Request URL (leave blank to accept the Experian default), Subscriber Id, User Id and Password supplied by Experian. Optionally populate a parallel set of Test credentials below.
Where individual operators have their own Experian User Id / Password, add a User Override row per finPOWER Connect User and supply the per-user credentials for both Production and Test.
On the Options page, choose the default Product Code (one of XAAAB2, XAAAC3, XAAAC5, XAAAE2, or a custom Product Code agreed with Experian) and the default Enquiry Type. These act as defaults for new enquiries; operators can override either at the point of enquiry.
Save and close. The service is now ready to be invoked from the Credit Enquiry workflow.
Supported Product Codes
| Product Code | Description |
|---|---|
XAAAB2 | Comprehensive bureau enquiry with iCRS plus summary elements. |
XAAAC3 | Comprehensive bureau enquiry with Alt Fi plus summary elements, Geographic Risk Index and Extreme Credit Risk. |
XAAAC5 | Negative enquiry with iCRS plus summary elements. |
XAAAE2 | Negative enquiry with iCRS, summary elements, Alt Fi score and Geographic Risk Index. |
Cost Centre Options reference
| Field | Description | Applies to |
|---|---|---|
| Request URL | Experian (AU) endpoint. Leave blank to use the built-in default. | Production / Test |
| Subscriber Id | Experian-issued subscriber identifier. | Production / Test |
| User Id | Experian-issued user name. Can be overridden per finPOWER Connect User. | Production / Test |
| Password | Experian-issued password matching the User Id. | Production / Test |
| Product Code | Default Experian Product Code (drives whether Negative or Comprehensive data is returned and which scoring elements are included). Populated from the ExperianAUCnsmrProdCodes Information List. | Consumer Enquiry |
| Enquiry Type | Default Experian Enquiry Type, populated from the service's ConsumerEnquiryType code table. | Consumer Enquiry |
Cloud Configuration — Wire up the HTML Widgets
Launch the Cloud Configuration form from the Desktop Administration menu.
Forms & Actions, Service: locate the Credit Enquiry — Individual entry for the Experian (AU) service and set its HTML Widget to HtmlWidget_ExperianAU_Individual (Version 1.00, 25/02/2026).
Forms & Actions, Administration: register HtmlWidget_CostCentreEdit_ExperianAU (Version 1.00, 09/03/2026) so that the Experian (AU) page of the Cost Centre form is editable in the Cloud. Note that the Cost Centre form uses one widget per service page.
Save the configuration. Cloud users will now see the Experian-specific UI in both the Cost Centre form and the Credit Enquiry workflow.
How to Use
Once the Cost Centre is configured, an Experian (AU) Credit Enquiry can be run against any individual Client or Account Application that has sufficient identification data on file.
Running a Consumer Enquiry from a Client
Locate the individual Client. On Desktop, open the Client form. On Cloud, open the Client and locate the Credit Enquiry action.
From the Form Actions bar (Desktop) or the Actions menu (Cloud), choose Credit Enquiry. Select Experian (AU) as the service and Consumer Enquiry as the product.
The Product Code and Enquiry Type default from the Cost Centre. Override per-enquiry if a particular case calls for (for example) a comprehensive Alt Fi enquiry rather than the configured default negative enquiry.
finPOWER Connect calls Experian and stores the response. The Client Summary then shows the consolidated result — consumer summary, addresses, accounts, payment history, defaults, court records, scores and any derivations returned for the Product Code in use.
The new SummaryPage2_CreditEnquiryReport_ExperianAU built-in Summary Page (Version 1.00, 25/02/2026) is used to render the report. Any Product Warnings or Notifications returned by Experian are displayed at the top of the Client Summary.
Platform Differences
| Aspect | Desktop | Cloud |
|---|---|---|
| Cost Centre setup | Native Cost Centres form, Experian AU page. | HtmlWidget_CostCentreEdit_ExperianAU (Version 1.00, 09/03/2026) renders the same page. |
| Running an enquiry | Native Credit Enquiry form, with Experian (AU) selected as the service. | HtmlWidget_ExperianAU_Individual (Version 1.00, 25/02/2026) provides the Cloud equivalent. |
| Summary report | SummaryPage2_CreditEnquiryReport_ExperianAU rendered into the Client Summary view. | Same Summary Page script — identical content rendered through the Cloud's HTML host. |
| Per-user credentials | User Override grid populated against finPOWER Connect Users. | Configured via the Cost Centre Edit widget; values flow to Web Services at run time. |
Permission Keys
Experian (AU) Credit Enquiries are gated by the standard finPOWER Connect Credit Enquiry permission keys — no new permission keys were introduced for this provider. Ensure operators who will run enquiries are members of a User Group that grants the Credit Enquiry permissions for the relevant Client and Account Application contexts.
Settings
All Experian (AU) configuration is stored on the Cost Centre — there are no Global Settings specific to this provider. The following Cost Centre settings drive the integration:
| Setting | Location | Description |
|---|---|---|
| Request URL | Cost Centres, Experian AU, Credentials | Production / Test endpoint URL. Leave blank for default. |
| Subscriber Id | Cost Centres, Experian AU, Credentials | Experian-issued subscriber identifier. |
| User Id | Cost Centres, Experian AU, Credentials | Experian operator user name. |
| Password | Cost Centres, Experian AU, Credentials | Experian operator password. |
| User Overrides | Cost Centres, Experian AU, Credentials | Per-user override of User Id / Password against finPOWER Connect Users. |
| Product Code | Cost Centres, Experian AU, Options | Default Experian Product Code (e.g. XAAAB2, XAAAC3, XAAAC5, XAAAE2). |
| Enquiry Type | Cost Centres, Experian AU, Options | Default Experian Enquiry Type code. |
Tips & Best Practices
Experian has acquired illion's Australian business and is decommissioning the existing illion (AU) Credit Bureau service. Contact your Intersoft dealer to obtain Experian (AU) credentials BEFORE the illion service is decommissioned. Once illion is switched off, any Cost Centre still pointing at the illion service will be unable to run new enquiries. The illion (AU) products in v6.00.03 already display a banner indicating they are scheduled to be replaced by the equivalent Experian product, and the HtmlWidget_illionAU_Individual widget (Version 1.07) now surfaces this Product Warning at the top of the Client Summary.
Experian Australia can create custom Product Codes for an individual customer's data requirements. Any new Product Code — whether one of the built-in four or a bespoke code — must be tested in your environment before being used in production. Different Product Codes return different combinations of summary elements, scores and derivations, and downstream Summary Page content depends on those elements being present.
The Sign Up button on the illion (AU) Cost Centre page now navigates to https://www.experian.com.au/. New customers should sign up with Experian directly rather than illion.
Set the Cost Centre default to whichever Product Code matches your day-to-day credit policy. Use XAAAC5 or XAAAE2 for negative-only enquiries and XAAAB2 or XAAAC3 when comprehensive data is required. Operators can still override per enquiry where a richer (or cheaper) data set is appropriate for a specific case.
Knowledge Base References
Browse the live KB listings for v6.00.03 on the Intersoft support site:
The Knowledge Base articles consolidated into this release notes page: