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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 and Rating Agencies  (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

Consumer Financial Protection Bureau
Key Dimensions and Processes in the U.S. Credit Reporting System
CFPB publication describes the credit reporting infrastructure at the three largest service providers (Equifax, TransUnion, and Experian), with a special focus on consumer data collection, compilation, and reporting processes. Topics covered include credit bureaus, files, reports, and scores; data furnishers and users; furnisher and data screening; compiling files; inaccuracies in files and published data; disputing errors; and monitoring accuracy. Complete study can be viewed free online.

First Research

Credit Reporting Services
First Research profiles cover key aspects of an industry's size, scope, and operations, and include a five-year revenue growth forecast. Profiles are updated quarterly and include:
  • Industry overview
  • Recent developments
  • Critical issues and challenges
  • Business trends and opportunities
  • Executive insights
  • Financial benchmarking data
  • Five-year growth forecast

International Finance Corporation
Credit Reporting Knowledge Guide
Chapter 2 of this guide provides an overview of the different types of service providers (e.g., bureaus, registries, and commercial service providers) and the functions they serve, and includes graphical presentations of sources of information, individual-level information collected, and firm-level information collected. Complete knowledge guide can be downloaded and viewed online.

Information resources available from this trade association include:

Industry News / Press Releases / Positions
Various sections listed above provide news and information for credit reporting agencies and their personnel, with commentary and recommendations from the NCRA with regard to its position on specific industry issues included in the "Positions" section. All information is accessible free online.

Consumer Information
Consumer information resources section covers a variety of topics pertaining to consumer data collection and reporting, with content sections including facts for consumers, consumer alerts, online tools, promotional items, and selected article reprints. All information is available free online.

Consumer Data Industry Association
CDIA Fact Center
Consumer information fact center covers a variety of topics pertaining to consumer data collection and reporting, with content section topics including credits reports, employment and mortgage reporting, public records, collections, and identity theft. All information is accessible free online.

Financial Benchmarking Data

Industry Financial Ratios
Credit Bureaus  Search for "561450"
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

First Research

Credit Reporting Services

Financial information section of these profiles includes common-size income statement and balance sheet data and key financial ratios for the most recent annual reporting period, with average financial measures reported for all companies and by sales size range for small (under $5 million), medium ($5 million to $50 million), and large companies (over $50 million). Sample report can be downloaded and viewed online.

Compensation Surveys

Compensation Calculator
Online calculator provides compensation data for business-to-business credit and accounts receivable personnel, with data for each job position searchable by type of business, business sector/industry, annual company sales, total number of customers, area of responsibility, geographic region, and other selected criteria. A short video demonstrating the use of the calculator can be viewed online.

U.S. Bureau of Labor Statistics
Occupational Employment and Wages - Credit Analysts
Annual wage survey provides hourly and annual wage data for credit analysts on a national, state, and metro area basis, with statistical measures for national wage data including mean, median, upper/lower quartiles, and upper/lower deciles. All information is available free online.

Business Valuation Resources