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Credit Bureaus & Reporting Agencies – Industry Research, Analysis, Statistics, and Forecasts

SIC 7323  |  NAICS 561450

This free online guide to industry research and analysis provides sources for industry statistics, trends, and forecasts, financial ratios, salary surveys, and more.

See the following sections listed below to view available resources by category:

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

Industry Analysis, Statistics, Trends, and Forecasts

Industry Research Reports
Credit Bureaus & Rating Agencies  (view report)
Credit Repair Services  (view report)
Comprehensive industry 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. Topics addressed in the reports include:
Sample report and selected industry statistics including market size, five-year average growth rate, number of businesses, and total employment are available free online.

Industry News / Press Releases / Legislative News and Actions  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
Resources available from this organization include:

Consumer Reporting Companies
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
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

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.

BizMiner Market Analysis Reports
Credit Bureaus / Credit Restoration / Rating Correction Services  Search for "561450" and "541990" to see available reports

Market analysis reports provide industry statistics for a user-defined area on a national, state, county, metro area, or zip code level, with data provided including number of companies, market volume and sales trends, average company sales, sales per employee, staffing and employment trends, average employee wage, and business start up activity and failure rates. Sample report can be viewed online.

More industry research reports »

Financial Statements and Financial Ratios

BizMiner Industry Financial Ratios
Credit Bureaus / Credit Restoration / Rating Correction Services  Search for "561450" and "541990" to see available reports
Five-year financial statement analysis reports provide income statements, balance sheets, and key industry financial ratios for companies of all sizes, with financial data available by sales size range on a national, state, and metropolitan area level including:
Sample financial statement and ratio analysis report is available free online.

Industry Research Reports
Credit Bureaus & Rating Agencies
(see links for individual reports)  (sample spreadsheet)

Key statistics section of these reports provides detailed income statements and balance sheets on a common-size basis and over twenty-five industry financial ratios, with financial ratios provided for the each of the four most recent calendar years and on a historical average basis for 3-year, 5-year, and 10-year time periods. Sample spreadsheet with breakdowns by asset size can be viewed free online.

More financial benchmarking data »

Compensation and Salary Surveys

PayScale, Inc.
Compensation resources available from this organization include:

Credit Bureau
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
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.

More compensation surveys »

BV Guides and Databases

Private Company Sales Transaction Databases
Free "Visitor Search" allows users to search the DealStats, BIZCOMPS, and FactSet/BVR databases for public and private company sales transactions by SIC or NAICS Code. These databases provide detailed information for sales transactions including sales price and terms, purchase price allocation, target financial data, and deal-derived valuation multiples. Sample reports can be viewed free online.

More valuation data »

Related Industries:
Collection Agencies and Services
Commercial Banks
Consumer Finance Companies
Mortgage Bankers


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