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.
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.
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).
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.
Market analysis report provides 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.
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.
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.
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.