Procurement Market Intelligence Report
Business Credit Reporting Services
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Business Credit Reporting Services Global Overview
Definition
Summary
Business credit reporting companies provide objective reports that outline critical information buyers can use to determine their financial standing or evaluate the credit conditions of other businesses. Credit reports can include a firm’s corporate registration and contact information, purchase history, key personnel, past bankruptcy filings, and other relevant risk factors. Key buyers include manufacturing companies, financing and insurance companies, government agencies, and retail companies.
This Report Includes:
- Risk Management
- Fraud Prevention
Not in this Report:
- Consumer Credit Reporting Services
- Public Debt Credit Rating Services
Global Business Credit Reporting Services Procurement Trends
Discover the top international trends affecting procurement in the global Business Credit Reporting Services market.
Warning Trends
Fed lowers rates for the first time in 2025
- On September 17, the Federal Reserve’s Federal Open Market Committee (FOMC) voted to lower interest rates to a target range of 4.0% to 4.25%, down 0.25% from the rate it had been holding since November of last year.
- Despite indications at the start of the year that steady reductions to the relatively high 4.25% to 4.5% rate were on the horizon, the Fed held off on rate cuts for much of the year due to concerns that the combination of higher tariffs and a reduction in borrowing costs could cause rebounding inflation.
- The September cut to Fed interest rates signals a shift in this strategy, indicating that the Fed now considers weakening employment figures a greater threat than inflation. As a result, FOMC officials have also signaled that two additional rate cuts are likely before the end of the year in an effort to fight unemployment and stimulate the economy.
- Declining Fed funds rates will provide relief to borrowers by lowering the market interest rates for consumer and business loans. This reduction in the cost of borrowing will reduce the cost of many banking and financial services, and may spur increases in demand across the economy.
Neutral
The EU finalizes the Cyber Resilience Act
- On September 15, 2022, the EU proposed the Cyber Resilience Act (CRA), which aims to increase the focus on cybersecurity throughout the development lifecycle of digital products, protecting consumers and businesses from increasingly dangerous cyber threats.
- Other objectives include creating a coherent cybersecurity framework for producers to comply with, creating an obligation to secure products for the entire lifecycle of the products, as well as increasing the visibility of security properties in digital products.
- The goal of the Act is to ultimately create hardware and software products that are more secure against cyberattacks. Fines can reach up to a maximum of €15 million or 2.5% of global turnover, whichever is the higher of the two.
- On November 30, 2023, The European Commission, Council, and Parliament came to an agreement on the text of the Cyber Resilience Act and formally adopted the act on March 12, 2024.
- The CRA will be rolled out through a phased transition plan during the second half of 2024. The majority of the provisions will be enforceable in 2027, three years after publication.
Global Business Credit Reporting Services Market - Suppliers by Region
| Country/Region | Number of Suppliers |
|---|---|
| #1 China | 495 |
| #2 Europe | 465 |
| #3 Oceania & Southeast Asia | 400 |
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Geography Drilldown - US & Europe
Average Cost of Business Credit Reporting Services
United States
2026 Market Pricing$5.00 to $XXX.XX
per reportEurope
Average Price
Prices in the Business Credit Reporting Services market range from $5.00 to $XXX.XX, depending on Geographic Scope, Supplier Prominence, Level of Detail, Reporting Scope and Reports Volume. For example, lower prices are associated with Canadian reports ($35.00 to $140 per report) and Domestic reports ($8.00 to $100 per report), whereas higher prices are associated with International reports ($25.00 to $375 per report).
Need the scoop on international price trends?
Between our Europe and Canada collections, we provide price data for 350 markets so you can instantly compare prices across borders. Or, use our custom research services for intel on prices in any region across the globe.
Business Credit Reporting Services Category Price Trends
Pricing trends are indicated by the compound annual growth rate (CAGR) during a set period of time. For the Business Credit Reporting Services market, prices in the US have grown 1.8% from 2022 to 2025. Meanwhile, the recent three-year CAGR for Europe is +2.3%.
United States (2022-2025)
Europe (2022-2025)
Compound Annual Growth Rate
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Price trend forecasts are available to subscribers, along with price driver projections and forward-looking cost structure data.
Cost Analysis - Total Cost of Ownership for Business Credit Reporting Services
Total cost of ownership is Low in the Business Credit Reporting Services market. The average cost of ownership differs depending on the contract but generally includes costs negotiated before the contract begins, costs billed during the contract period and unforeseen costs. For example, unforeseen costs in the form of Emergencies may raise the total cost of ownership unexpectedly.
Negotiated Before
Financing
Set Up Fees
Billed During
Annual Fees
Unforeseen
Emergencies
Hidden Fees
Buyer Power in Procurement Negotiations
In 2026, buyer power amounts to -0.7 in the United States. Buyer power is most positively impacted by Recent Developments. It is most negatively impacted by Product Specialization. Subscribers can access details on eight other factors that impact buyer power. Learn more
United States
Europe
Buyer power forecasts: your glimpse into the future
Develop strategies for the upcoming year and identify unforeseen opportunities for buying now
- Actionable "Buy Now" and "Buy Later" insights
- Near-real-time updates to current and forecast Buyer Power Scores
- Methodology and weightings for Buyer Power Score Components
Supply Chain Risk
The average level of supply chain risk is assessed as Low, which has a positive impact on buyer power. The level of supply chain risk is affected by industry volatility, barriers to entry, competition, import penetration, regulation and industry financial risk. Buyers in this market can mitigate procurement and supply chain management risks by monitoring risk levels for individual first and second tier suppliers:
1st
Tier Suppliers
- Market Research Firms
- Office Stationery Wholesaling
- Commercial Lessors
- Commercial Banks
2nd
Tier Suppliers
- Data Processing & Hosting Service Providers
- Office Stationery Manufacturing
- Real Estate Brokerage Firms
- Debt Collection Agencies
Biggest Business Credit Reporting Services Suppliers in the US by Revenue
The largest Business Credit Reporting Services vendors by revenue in the US are Fitch Ratings Inc., S&P Global Inc. and Fair Isaac Corp. Subscribers can sort and filter by market share concentration, profit level and other factors. Learn more
| Supplier | Operational Size | Headquarters | Number of Employees | Market Share (%) | Market Share Performance (3yr trend) | Total Revenue ($ million) | Profit Level (%) | Risk Level |
|---|---|---|---|---|---|---|---|---|
| Experian Plc | Global | Dublin, IE | >10,001 | 10-15 | ||||
| Equifax inc. | Global | ATLANTA, GA | >10,000 | 10-15 | ||||
| Dun & Bradstreet Holdings, Inc. | Global | SHORT HILLS, NJ | 1,001-10,000 | 10-15 | ||||
| S&P Global Inc. | Global | NEW YORK, NY | >10,000 | 5-10 | ||||
| Moody’s Corporation | Global | NEW YORK | >10,000 | 5-10 | ||||
| Transunion | Global | CHICAGO, IL | >10,000 | 5-10 | ||||
| Morningstar, inc. | Global | CHICAGO | >10,000 | 5-10 | ||||
| Fitch Ratings Inc. | Global | New York, NY | 1,001-10,000 | 5-10 | ||||
| Relx Group Plc | Global | London, UK | >10,001 | < 5 | ||||
Looking for a list of suppliers by country?
Subscribers can access vendor information on Canadian and European suppliers, too. We also offer custom research services to help with vendor sourcing anywhere in the world.
Profit Analysis
The average profit margin across vendors in the Business Credit Reporting Services market is 35.6% and steady. Profit levels shift depending on suppliers' spend on wages, purchases and overhead. The highest cost component for vendors is Wages. The cost trend for this component is falling, when considering movement between 2025 and 2026. To understand cost forecasts for 2027 and uncover the implications on profit, start your subscription. Learn more
Vendor & Supply Chain Analysis
Supply chain risk in the business credit reporting services market is low because service providers require few critical inputs to operate efficiently. Also, providers of business credit reporting services have many upstream suppliers to choose from.
Vendors throughout the market have moderate risk on average due to there being primarily small to midsize companies that are privately held, making it difficult for buyers to assess the financial stability of suppliers.
The business credit reporting service market has a high level of market share concentration, which has grown slightly because of merger and acquisition growth across the industry, contributing to a slight decrease in the number of enterprises operating in the business credit reporting services industry. Buyers are harmed by this upward trend in market share concentration as less competition between suppliers reduced buyers’ ability to leverage alternative suppliers.
The United States is a net importer of computers, meaning it imports more computers than it exports. While lower manufacturing costs abroad drive down prices for imported computers, relying on imports can lead to potential shortages or price increases if there are supply chain disruptions due to geopolitical tensions, trade disputes, or global crises.
Supplier Information
Dun & Bradstreet Holdings, Inc.
Dun & Bradstreet Holdings, Inc. is a public company operating globally in the professional, scientific and technical services and administration, business support and waste management services sectors. The company's offerings include vendor qualification services, sales & marketing contact lists and business... Subscribe to learn more
Equifax inc.
Equifax inc. is a public company operating globally in the administration, business support and waste management services sector. The company's offerings include aca compliance software, consumer credit reporting services and business credit reporting services. Founded in 1899, the company is currently headquartered... Subscribe to learn more
Experian Plc
Experian Plc is a public company operating globally in the administration, business support and waste management services sector. The company's offerings include sales & marketing contact lists, consumer credit reporting services and business credit reporting services. Founded in 1996, the company is currently... Subscribe to learn more
Fitch Ratings Inc.
Fitch Ratings Inc. is a private company operating globally in the administration, business support and waste management services sector. The company's offerings include business credit reporting services. Founded in 1913, the company is currently headquartered in New York, New York, United States of America... Subscribe to learn more
Moody’s Corporation
Moody's Corp. /DE/ is a global integrated risk assessment company that provides data, analytical solutions, and insights. It organizes its business into two segments: the Moody's Analytics segment, which provides curated data, intelligence, and analytical tools to financial services, corporate, and public... Subscribe to learn more
Morningstar, inc.
Morningstar, Inc. is a global provider of independent investment research services. It organizes its business into five reportable segments: the Morningstar Data and Analytics segment, which offers comprehensive data, research, insights, and investment analysis; the PitchBook segment, which provides a collection... Subscribe to learn more
S&P Global Inc.
S&P Global Inc. is a public company operating globally in the professional, scientific and technical services and administration, business support and waste management services sectors. The company's offerings include chemical management services, commodity price forecasting services, investor relations services... Subscribe to learn more
Transunion
Transunion is a public company operating globally in the administration, business support and waste management services sector. The company's offerings include consumer credit reporting services and business credit reporting services. Founded in 1968, the company is currently headquartered in CHICAGO, Illinois,... Subscribe to learn more
Fair Isaac Corp
Fair Isaac Corp is a public company operating globally in the administration, business support and waste management services sector. The company's offerings include consumer credit reporting services and business credit reporting services. Founded in 1956, the company is currently headquartered in Bozeman,... Subscribe to learn more
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Procurement Management KPIs for the Business Credit Reporting Services Market
Managing vendor performance throughout the contract period is easier when tracking specific key performance indicators (KPIs). For example, buyers should monitor Customer Complaints and Customer Retention Rate. Buyers may experience better performance throughout their contracts if they establish service level agreements (SLAs) based on User Access and other factors.
| KPI | Level of Importance (1-5) | Measurements | Key Considerations |
|---|---|---|---|
| Customer Complaints |
|
Average resolution time Customer satisfaction score (CSAT) Net promoter score (NPS) |
Customer complaints can be used to determine whether customer improvements are required. Buyers should track customer complaint metrics to ensure a high quality of service is being offered by the provider. |
| Customer Retention Rate |
|
Customer churn rate Existing customer growth rate Repeat purchase ratio |
The customer retention rate represents the number of customers a company is able to retain over a set timeframe. Credit agencies with higher customer retention rates indicate existing customers are satisfied with the level of service and performance of the supplier. |
|
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Questions to Ask During Procurement Negotiations
How can I gain leverage during negotiations?
Experience and Expertise
How long has your firm been conducting business credit reporting services?
Does your firm also provide information on consumers? What percentage of your credit information is focused on consumers compared with businesses?
Quality Control
How have you developed your scoring models to ensure your data meets quality standards?
What steps do you take to prevent business identity theft? Do you use any authentication technology?
Competition
What does your firm offer that other business credit reporting suppliers do not?
Do you offer services that are scalable for companies of all sizes? How do you ensure service flexibility?
The ultimate prep for procurement negotations
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Business Credit Reporting Services RFP Guidelines
What should my RFP include?
Organizational Overview
Buyers should provide a description of their company, detailing their primary operations and organizational structure.
Buyers should state the purpose of the RFP and the goals they wish to achieve in procuring these services.
Statement Of Need
Buyers should state the information that is required in each report delivered by the supplier.
Buyers should provide an estimate as to the average number of credit reports required per month.
Project Budget
Buyers should state their annual or monthly budget.
If more than one service is being requested, buyers should provide a breakdown of their budget by service.
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We display average pricing information, trends and market data.
Our Reports include:
- Opportunity assessment
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- Positive and warning trends
- Buyer power levers
- Price environment and market pricing
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- Total cost of ownership
- Cost structure benchmarks and analysis
- Supply chain and vendors
- Global supplier breakdown
- Market share concentration
- Regulation and business requirements
- Vendor management and KPIs
- Sourcing strategy guidance
