Procurement Market Intelligence Report
Consumer Credit Reporting Services
Sourcing Guide & Market Intelligence
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Consumer Credit Reporting Services Global Overview
Definition
Summary
Vendors in this market provide objective reports on each consumer’s credit history, which buyers can use to make informed business decisions. Insurance companies, human resources departments, property managers, and institutional creditors all request consumer credit reports. Individual consumers also purchase reports to evaluate their own credit standing and address potential data errors. Consumer credit reports usually generate a score based on a consumer’s timeliness of payments, level of debt, credit history length, and other relevant information sourced from public records. Typical buyers of consumer credit reporting services include financial institutions, insurance companies, retailers, and property managers.
This Report Includes:
- Credit Reporting
- Debt Information
Not in this Report:
- Credit Counseling Services
- Credit Card Services
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Global Consumer Credit Reporting Services Procurement Trends
Discover the top international trends affecting procurement in the global Consumer Credit Reporting Services market.
Warning Trends
United States announces additional tariffs on China
- In February 2025, the United States announced 10.0% tariffs on imports from China. The tariffs took effect on February 4, 2025.
- The tariff plan applies to all merchandise imported for consumption and applies in addition to other duties and fees that are in place, with limited exceptions.
- In response, China announced a 15.0% tariff on products such as coal and natural gas, as well as a 10.0% tariff on crude oil, agricultural machinery, pickup trucks, and large cars. The tariff executive orders indicate retaliatory tariffs could lead to further escalation in rates.
- Providers in this market rely on inputs often sourced from China. As such, ProcurementIQ will continue to monitor developments in this space and update analysis accordingly.
United States postpones plans for sweeping tariffs on Canada and Mexico
- In February 2025, the United States announced 25.0% tariffs on imports from Canada and Mexico.
- Though initially set to take effect on February 4, 2025, the implementation of tariffs on Canada and Mexico has been postponed 30 days to allow for further negotiation.
- The tariff plan initially proposed by the US applies to all merchandise imported for consumption and applies in addition to other duties or fees that are in place, with limited exceptions.
- Providers in this market rely on input costs often sourced from an affected country. As such, ProcurementIQ will continue to monitor developments in this space and update analysis accordingly.
Global Consumer Credit Reporting Services Market - Suppliers by Region
| Country/Region | Number of Suppliers |
|---|---|
| #1 China | 285 |
| #2 Europe | 265 |
| #3 Oceania & Southeast Asia | 230 |
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Geography Drilldown - US
Average Cost of Consumer Credit Reporting Services
United States
2026 Market Pricing$0.98 to $XX.XX
per reportAverage Price
Prices in the Consumer Credit Reporting Services market range from $0.98 to $XX.XX, depending on Number of Annual Report Inquiries, Breadth of Information, Experience and Type of Access. For example, lower prices are associated with 10,000 to 100,000 credit report inquiries and 100,000 to 1,000,000 credit report inquiries, whereas higher prices are associated with 1 to 1,000 credit report inquiries and 1,000 to 10,000 credit report inquiries.
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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.
Consumer 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 Consumer Credit Reporting Services market, prices in the US have grown 2.0% from 2022 to 2025. Subscribers can access price trend forecasts, price driver projections and forward-looking cost structure data. Learn more
United States (2022-2025)
United States (2025-2028)
Compound Annual Growth Rate
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Cost Analysis - Total Cost of Ownership for Consumer Credit Reporting Services
Total cost of ownership is Low in the Consumer 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 Cancellations may raise the total cost of ownership unexpectedly.
Negotiated Before
Customization
Billed During
Upgrades
License fees
Unforeseen
Cancellations
Emergencies
Hidden Fees
Buyer Power in Procurement Negotiations
In 2026, buyer power amounts to -0.9 in the United States. Buyer power is most positively impacted by Market Share Concentration. It is most negatively impacted by Supply Chain Risk. Subscribers can access details on eight other factors that impact buyer power. Learn more
United States
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 Very 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
- Credit Card Issuers
- Commercial Real Estate Lessors
- Computer & Packaged Software Wholesalers
2nd
Tier Suppliers
- Data Processing & Hosting Service Providers
- Real Estate Sales & Brokerage Companies
- Computer Manufacturers
Biggest Consumer Credit Reporting Services Suppliers in the US by Revenue
The largest Consumer Credit Reporting Services vendors by revenue in the US are Cisive, Corelogic, 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 |
|---|---|---|---|---|---|---|---|---|
| Transunion | Global | CHICAGO, IL | >10,000 | 10-15 | ||||
| Equifax inc. | Global | ATLANTA, GA | >10,000 | 15-20 | ||||
| Experian Plc | Global | Dublin, IE | >10,001 | 20-25 | ||||
| Fair Isaac Corp | Global | Bozeman, MT | 1,001-10,000 | 5-10 | ||||
| Automatic Data Processing, Inc. | Global | ROSELAND, NJ | >10,000 | < 5 | ||||
| Fiserv, Inc. | Global | MILWAUKEE, WI | >10,000 | < 5 | ||||
| Fidelity National Information Services, Inc. | Global | JACKSONVILLE, FL | >10,000 | < 5 | ||||
| Global Payments Inc. | Global | ATLANTA | >10,000 | < 5 | ||||
| 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 Consumer Credit Reporting Services market is 35.5% 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 consumer credit reporting services market is low. The necessary inputs for acquiring, maintaining, and distributing credit data are accessible around the country and are not difficult to obtain, thereby reducing the likelihood of disruptions in the supply chain.
The top four players account for just more than an estimated 60.0% of total market revenue, thus signaling a high level of concentration. The number of suppliers operating in the market has been falling as operators have consolidated, fueling growth in the level of market share concentration, thus hurting buyers.
Several high-profile cybersecurity breaches over the past few years have placed a spotlight on credit reporting companies’ ability to protect consumer data. The increasing investment that credit reporting companies are making into data encryption and digital ledger (blockchain) services will hurt supplier profitability and limit a provider’s ability to negotiate lower prices.
The average vendor risk in the market is low, which buyers typically benefit from because it contributes it reduces the likelihood that services will be disrupted due to a vendor experiencing financial default.
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
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
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
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
Automatic Data Processing, Inc.
Automatic Data Processing, Inc. is a public company operating globally in the information, professional, scientific and technical services and administration, business support and waste management services sectors. The company's offerings include recruitment software, human resources software, aca compliance... Subscribe to learn more
Cisive
Cisive is a private company operating nationally in the administration, business support and waste management services and other services (except public administration) sectors. The company's offerings include vehicle inspection services, reference & background checking services and consumer credit reporting... Subscribe to learn more
Corelogic, Inc.
Corelogic, Inc. 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. Founded in 2010, the company is currently headquartered in IRVINE, California, United States of America with... Subscribe to learn more
Fidelity National Information Services, Inc.
Fidelity National Information Services, Inc. is a global financial technology company. It organizes its business into three reportable segments: the Banking segment, which offers core processing and transaction processing software and complementary applications and services; the Merchant segment, which serves... Subscribe to learn more
Fiserv, Inc.
Fiserv, Inc. is a global provider of financial services technology to banks, credit unions, other financial institutions, and merchants. Its business consists of three segments: First Data segment, which provides merchant acquiring, e-commerce, mobile commerce, and other business solutions at the point-of-sale;... Subscribe to learn more
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Procurement Management KPIs for the Consumer 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 Lifetime Value and Employee Turnover Rate. Buyers may experience better performance throughout their contracts if they establish service level agreements (SLAs) based on Compliance and other factors.
| KPI | Level of Importance (1-5) | Measurements | Key Considerations |
|---|---|---|---|
| Customer Lifetime Value |
|
Average number of purchases per year Average retention time |
The customer lifetime value can be used to prioritize customer relationships. It costs less to retain existing customers than to acquire new customers. Aside from credit reports, market vendors offer several related services which contributes to higher customer values. |
| Employee Turnover Rate |
|
Annual turnover rate Number of employees at start of period Number of employees at end of period |
The employee retention rate can be used to determine a company’s likelihood of retaining quality employees and performing quality work. Market services require advanced analytics, know-how, and security, which rely on consistent staffing. |
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Questions to Ask During Procurement Negotiations
How can I gain leverage during negotiations?
Value-Added Services
What are your more popular service models? Do buyers typically prefer subscriptions over single reports?
Do you offer value-added services? Can these additional services be bundled for additional savings?
Reputation
Do you have any testimonials from previous clients attesting to your qualifications?
How long has your firm been offering consumer credit reporting services?
Recent Developments
Have you seen any correlation between the demand for business credit reports and consumer credit reports?
How have you managed profit margins during periods of fluctuating household debt in the past? How do you plan on doing so over the next three years?
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Consumer Credit Reporting Services RFP Guidelines
What should my RFP include?
Organizational Overview
Buyers should provide the background of the company and outline core business operations.
Buyers should explain in what capacity they would be utilizing the consumer credit reports.
Statement Of Need
Buyers should state preferences for the structure of reports and what needs to be included in the scope of the services.
Buyers should explain the timeline for service and whether reporting is required for a limited time or on an ongoing subscription basis.
Project Budget
Buyers should state the budget they have allocated for the services being rendered.
Buyers should state the terms of payment, specifying if it is a one-time payment or a recurring subscription.
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- Supply chain and vendors
- Global supplier breakdown
- Market share concentration
- Regulation and business requirements
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