Looking for an illion alternative?
illion is now part of Experian, which leaves TaleFin as the independent, Australian-owned credit reporting body, combining bank-statement and open-banking data with the credit file in one modern API. Here is how TaleFin compares.
illion is now part of Experian.
In October 2024 Experian completed its acquisition of illion in Australia and New Zealand, a deal the ACCC did not oppose, and illion is being integrated into Experian. For teams that valued an alternative to the largest global bureau, TaleFin is now the independent, Australian-owned choice, with both bank data and the credit file in one place.
TaleFin vs illion at a glance
| TaleFin | illion | |
|---|---|---|
| Ownership | Independent, Australian-owned | Now part of Experian (global, London-listed) |
| Credit reporting body (Privacy Act Part IIIA) | Yes | Yes, being integrated into Experian |
| Open-banking (CDR) & bank-statement data combined with the credit file | Yes, in one call | Available (now via Experian) |
| Combined bank + bureau score | Smart Score Pro™ | Bureau Score with some basic bank statment variables |
| Self-serve developer API | Yes | Enterprise integration |
| Real-time report, delivered in minutes | Yes | Varies by product |
| Scoring that excludes blunt proxies like postcode | Yes, by design | Not disclosed |
| Indicative pricing published | Yes | On application |
Comparison is indicative and based on publicly available information as at October 2026. Product details change, so confirm current specifics with each provider. illion and Experian are trademarks of their respective owners.
The independent option, with a fuller picture.
Independent and Australian-owned
As the market consolidates around two global bureaus, TaleFin remains independent and governed here in Australia.
Bank data and bureau data together
Open-banking and bank-statement behaviour combined with the comprehensive credit file in a single call, and a combined score, Smart Score Pro™.
Fair by design
No penalty for shopping around and no blunt proxies like postcode, so capable applicants are judged on their real finances.
Built for developers
One well-documented API, real-time responses, and support from onboarding through production.
Who moves to TaleFin
- Lenders who want to avoid damaging their clients score for making a credit application.
- Teams reassessing their provider as illion integrates into Experian.
- Lenders who want to approve more good customers with real income and cashflow, not just a thin bureau file.
- Developers who want one modern API for bank data, bureau data and a combined score.
Related: Experian alternative · Equifax alternative
illion alternative: common questions
Is illion still independent?
No. Experian completed its acquisition of illion in Australia and New Zealand in October 2024, and illion is being integrated into Experian. TaleFin is the remaining independent, Australian-owned credit reporting body.
Is TaleFin an alternative to illion?
Yes. With illion now part of Experian, TaleFin is the independent Australian-owned alternative, combining comprehensive credit reporting with open-banking and bank-statement data in one API.
Does TaleFin provide bank-statement data like illion did?
Yes. TaleFin retrieves bank-statement data and is an accredited Consumer Data Right recipient, and combines that with the credit file into a single real-time view and a combined score, Smart Score Pro™.
How do I switch from illion to TaleFin?
Talk to the TaleFin team. Most lenders integrate a single API and can run TaleFin alongside their current provider to compare coverage and outcomes before switching.