Credit Reporting Services Report Summary

SIC Codes: 7323
NAICS Codes: 561450

Credit Reporting Services Industry Overview

Excerpt from Credit Reporting Services Report

Companies in this industry compile, manage, and report credit information on businesses and consumers. Major companies include Dun & Bradstreet, Equifax, Moody's, S&P Global, and TransUnion (all based in the US), as well as Experian (Ireland) and Creditreform (Germany).

Competitive Landscape

Demand is driven by the volume of financial transactions and by the health of the economy. The profitability of individual companies depends largely on efficiency of operations. Large credit reporting companies have significant economies of scale in operations. Small companies can compete effectively by operating in niche markets, such as business credit, tenant screening, or employment screening. The US industry is highly concentrated: the 50 largest firms account for more than 95% of revenue, and the four largest firms account for about 60% of revenue.

Products, Operations & Technology

Consumer credit rating services account for about 60% of US industry revenue; commercial credit rating services account for the remainder.

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