The document provides 5 reasons for lenders to embrace data reporting to Experian: 1) It helps regulators by providing a more complete credit history for consumers. 2) It incentivizes consumers to pay on time by adding consequences to late payments. 3) It minimizes delinquencies and collections by giving other lenders visibility to existing obligations. 4) It rewards consumers for on-time payments by increasing their credit scores. 5) It provides deeper consumer insights through analytics to help lenders maximize profitability.