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Credit Bureaus and Reporting Agencies

SIC 7323 | NAICS 561450

The following guide to industry information, research, and analysis provides sources for industry trends and statistics, financial ratios, salary surveys, and more.


Select from the following sections or scroll below to view available resources:

Industry Analysis, Statistics, Trends, and Forecasts

Financial Information and Financial Ratios

Compensation and Salary Surveys

Business Valuation Resources


For guides to other industries, see our index of over 400 industries.




Industry Analysis, Statistics, Trends, and Forecasts


Credit Bureaus & Rating Agencies  (view report)
Credit Repair Services  (view report)

Comprehensive research reports provide in-depth industry analysis and five-year growth forecasts, with special focus on the underlying structure and external forces and relationships that affect industries and their performance. Report contents include:

  • Key statistics
  • Market size and characteristics
  • Current performance
  • Competitive landscape
  • Major companies
  • Key risk and success factors
  • Five-year growth forecast


NCRA
Industry News / Press Releases / Legislative News and Actions
http://www.ncrainc.org/  Select titles from "Industry News" and "Resources" drop-down menus

Various sections listed above provide industry news and information for consumer reporting agencies and their associated personnel, with commentary and recommendations from the NCRA with regard to its official position on specific consumer issues included under "Current NRCA Position Papers" in the "Legislative News and Actions" section. All articles and other information are available free online.


Federal Reserve Bank of St. Louis
Credit Bureaus: The Record Keepers
https://research.stlouisfed.org/
Research paper provides an overview of the consumer reporting agencies, with topics covered in this publication including the "Big Three", other types of service providers, gathering information, reporting information, reports and scoring models, and government regulations, and also includes an extensive bibliography of additional references for more in-depth information with links to the reference sources.

Consumer Financial Protection Bureau
Information resources available from this organization include:

Consumer Reporting Companies
http://files.consumerfinance.gov/
CFPB publication provides information on the three nationwide reporting agencies (e.g., TransUnion, Equifax, and Experian) and other specialty consumer reporting companies that may collect personal information in addition to credit information for employment screening, tenant screening, bank/check screening, health insurance, personal property insurance, and low-income/subprime loan purposes.

Key Dimensions and Processes in the U.S. Credit Reporting System
http://www.consumerfinance.gov/
Whitepaper describes the reporting infrastructure at the three largest nationwide reporting agencies, with a focus on consumer data collection, compilation, and reporting processes. Topics addressed in this publication include credit bureaus, files, reports, and scores, data furnishers and users, data screening, compiling files, inaccuracies in files and data, disputing errors, and monitoring accuracy.


SCORE Association
Understanding the Three Major Business Credit Bureaus
https://www.score.org/

Small business guide provides a summary overview of the three major business reporting bureaus and describes the reporting formats and financial scores used by D&B (e.g., delinquency predictor score, financial stress score, supplier evaluation risk rating, 100-point Paydex score), Equifax (e.g., Small Business Financial Exchange (SBFE) report), and Experian (e.g., 100-point business score).


International Finance Corporation
Credit Reporting Knowledge Guide
http://www.ifc.org/

Chapter 1 of this guide provides an overview of the different types of service providers (e.g., bureaus, registries, commercial service providers), ownership structures (e.g., for-profit independent, for-profit creditor-owned, and not-for-profit creditor association), the role they play in the marketplace, and the types and scope of consumer and business information they collect from public and private sources.




Financial Benchmarking Data


Industry Financial Ratios
Credit Bureaus / Credit Restoration / Rating Correction Service
https://www.bizminer.com  Search for "561450" and "541990"
Five-year financial statement analysis includes income statements, balance sheets, and key financial ratios, with data available by sales size range on a national, state, and metro area level.
  • Income and expense detail in dollars and percentages
  • Balance sheets in dollars and percentages
  • Cash flow analysis
  • Liquidity and working capital ratios
  • Profitability and return on investment ratios
  • Asset turnover and efficiency ratios
  • Capital structure and debt service ratios


IBISWorld
Credit Rating Agencies / Repair Services
(see links for individual reports)

Financial information section of these reports provides an analysis of industry expenses and profit as a percentage of revenue for companies that provide information used by lenders and other parties to assess the financial status and creditworthiness of consumers, businesses, and other organizations, or help individuals by identifying reporting errors and disputing and correcting inaccurate information.




Compensation Surveys


CRF
Compensation Calculator
http://www.crfonline.org/

Online calculator provides compensation data for management and staff personnel involved in credit management and analysis, with data for each job position filterable by type of business, business or industry sector, annual revenue, number of customers, geographic region, tasks performed, area of responsibility, required years of experience, required education, and number of persons supervised.


PayScale
Compensation resources available from this organization include:

Credit Bureau
https://www.payscale.com/
Free online service provides salary, bonus, and hourly wage rate data for selected job positions such as marketing coordinator, senior business analyst, business analyst, data analyst, security engineer, information security specialist, and senior customer service representative, with employers for which  wage data is provided including Equifax, Inc., Experian Consumer Direct, Inc., and TransUnion LLC.

Credit Reporting Services
https://www.payscale.com/
Free online service provides salary, bonus, and hourly wage rate data for selected job positions such as marketing manager, call center supervisor, data analyst, software engineer, application developer, and technical support representative, with employers for which wage data is provided including CBC Companies, Inc., Equifax, Inc., Experian Group, Ltd., Progrexion Holdings Inc., and TransUnion LLC.




Business Valuation Resources


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