Credit Bureaus and Reporting Agencies
SIC 7323 | NAICS 561450
The following guide to market research and industry analysis provides sources for industry trends and statistics, financial ratios, salary surveys, and more.
Select from the following sections to view available resources:
For guides to other industries, see our index.
Industry Analysis, Trends, Statistics, and Forecasts
Comprehensive market research reports provide in-depth industry analysis and five-year forecasts, with special focus on the underlying structure and external forces and relationships that affect industries and their performance. Report contents include:
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
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
Key Dimensions and Processes in the U.S. Credit Reporting System
Understanding the Three Major Business Credit Bureaus
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
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
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.
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.
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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.
Compensation resources available from this organization include:
Credit Reporting Services
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Business Valuation Resources