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COSTA MESA, Calif. , May 17, 2012 /PRNewswire/ -- Experian , the leading global information servicescompany, today announced that it has joined forces with Moody'sAnalytics to create a business index and detailed report thatprovides insight into the health of U.S. businesses. The new Experian/Moody's Analytics Small Business Credit Index will be reported quarterly to show fluctuations in the market anddiscuss factors that are impacting the business economy. (Photo: photos.prnewswire.com/prnh/20120517/LA09035 ) "Experian's data, analytics and tools provide organizations withthe services they need to be successful and enable them to makemore profitable financial decisions," said Allen Anderson , president of Experian's Business Information Services. "Over thepast two years, we have published a Business Benchmark Report thatprovided insight into the credit health of U.S. businesses . Now, working with Moody's Analytics we are able to take the nextstep in researching and reporting the impact of current economictrends on the business community, to provide another layer ofvaluable insight into what is affecting the business marketplace." The Experian/Moody's Analytics Small Business Credit Index trackshow businesses are faring over a period of time compared with abase point, with the first quarter of 2011 being equal to 100. Thekey factors that comprise the index are commercial credit data(including growth of credit balances and delinquency rates measuredon a dollar basis) combined with a variety of macroeconomic data(including growth rates for employment, income, retail sales,investment, output and industrial production). The Q1 2012 report shows that although access to credit remainstight, U.S. commercial credit conditions are improving, with fewersmall businesses falling behind on bill payments. The Experian/Moody's Analytics Small Business Credit Index improvedin Q1 2012 to 103.2, up from 101.9 in Q4 2011. This is the index'ssecond consecutive quarterly improvement after it fell during muchof last year. The index is riding on a wave of increased consumerspending, which is boosting small businesses' balance sheets. "The Q1 analysis has shown that small businesses are finallygetting some relief from the credit crunch that has plagued many ofthem since the Great Recession," said Mark Zandi , chief economist at Moody's Analytics. "The recent improvement insmall-business credit growth and quality bodes well for the broadereconomy and job market." Other trends seen in the Q1 Experian/Moody's Analytics SmallBusiness Credit Index report include: The overall health of U.S. small businesses has improved, thanks torising consumer confidence and spending, but balance sheets arestrengthening unevenly. Most metrics of small-business credit quality were essentiallyunchanged from last quarter, but the average commercial risk scoreimproved on a year-ago basis due to a drop in the percentage ofdollars delinquent. Not surprisingly, states where the labor market is healing morevigorously typically are home to small businesses with strongercredit standings. Similarly, small firms in states with highunemployment and lackluster housing markets are struggling. To receive a copy of the full Experian/Moody's Analytics SmallBusiness Credit Index report, please visit business-information/me-smallbusinesscreditindex.html . About Moody's Analytics Moody's Analytics helps capital markets and risk managementprofessionals worldwide respond to an evolving marketplace withconfidence. The company offers unique tools and best practices formeasuring and managing risk through expertise and experience incredit analysis, economic research and financial risk management.By providing leading-edge software, advisory services and research,including the proprietary analysis of Moody's Investors Service,Moody's Analytics integrates and customizes its offerings toaddress specific business challenges. Moody's Analytics is asubsidiary of Moody's Corporation (NYSE: MCO), which reportedrevenue of $2.3 billion in 2011, employs approximately 6,100 people worldwide andmaintains a presence in 28 countries. Further information isavailable at . About Experian's Business Information Services Experian's Business Information Services is a leader in providingdata and predictive insights to organizations, helping themmitigate risk and improve profitability. The company's businessdatabase provides comprehensive, third-party-verified informationon 99.9 percent of all U.S. companies, with the industry's mostextensive data on the broad spectrum of small and midsizebusinesses. By leveraging state-of-the-art technology and superiordata compilation techniques, Experian is able to providemarket-leading tools, such as BusinessIQ(SM ), that assist clients in making real-time decisions, processing new applications , managing customer relationships and collecting on delinquent accounts . For more information about Experian's advancedbusiness-to-business products and services, visit/b2b . About Experian Experian is the leading global information services company,providing data and analytical tools to clients around the world.The Group helps businesses to manage credit risk , prevent fraud , target marketing offers and automate decision making. Experianalso helps individuals to check their credit report and credit score , and protect against identity theft . Experian plc is listed on the London Stock Exchange (EXPN) and is aconstituent of the FTSE 100 index. Total revenue for the year ended 31 March 2012 was US$4.5 billion . Experian employs approximately 17,000 people in 44 countries andhas its corporate headquarters in Dublin, Ireland , with operational headquarters in Nottingham, UK ; California , US; and Sao Paulo, Brazil . For more information, visit. Experian and the Experian marks used herein are service marks orregistered trademarks of Experian Information Solutions, Inc. Otherproduct and company names mentioned herein are the property oftheir respective owners. Contact: Roslyn Whitehurst Experian Public Relations 1 714 830 5578 roslyn.whitehurst@experian.com SOURCE Experian Copyright 2010 PR Newswire. All Rights Reserved. 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