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Consumer Credit Reporting Services in the US Procurement Price, Data and Insights
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.
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What’s included in this market coverage
IBISWorld's research coverage on the Consumer Credit Reporting Services procurement and pricing environment in the United States includes market dynamics, buyer power scores, supply chain vendors with pricing trends and forecasts.
About this Market
What’s this procurement report about?
This procurement coverage of the Consumer Credit Reporting Services market in the United States includes Tenant Screening, Eviction Report, Applicant Fraud Detection, State Criminal Report, National Criminal Report, Sex Offender Search, Terrorist Search or Office of Foreign Assets Control (OFAC) Name Screen, Prior Address History, Traditional Credit Score and Tri-Bureau Credit Report. Standard coding in this coverage includes ISIC-8291-Activities of collection agencies and credit bureaus, NACE-82.91-Activities Of Collection Agencies And Credit Bureaus, NAICS-561450-Credit Bureaus and UNSPSC-84141601-Consumer credit gathering or reporting services.
What common market terminology is included?
Common market terminology included in the Consumer Credit Reporting Services procurement coverage includes Cooperatives (A group or organization that is owned and operated jointly by its members.), Data Encryption (The process of converting data into an alternative format that prevents other people from reading or accessing the data, unless explicitly granted access for the purposes of viewing, storing, or transporting the data in a secure manner.), Blockchain (A decentralized digital ledger system that immutably records and verifies data through a cluster of computers.), Financial-Technology (Fintech) (The application of technology to support and enable financial services.), FICO (A type of credit score created by Fair Isaac Corporation used to evaluate consumer credit risk.) and Payday Lending (Short-term borrowing typically lent at a high rate of interest and repaid when the borrower receives income.).
What companies are included as top suppliers?
The top companies covered in the Consumer Credit Reporting Services procurement report as suppliers are Global Payments Inc., Fidelity National Financial, Inc., Fiserv, Inc., Automatic Data Processing, Inc. and First Advantage Corporation.
Opportunity Assessment
What’s included in the Opportunity Assessment chapter?
The Opportunity Assessment chapter provides a comprehensive market analysis of the Consumer Credit Reporting Services market in the United States category, including buyer power scoring, market pricing trends, vendor landscape, cost structure, and strategic negotiation levers.
The market pricing trends include the Market Price (2026) per report, a five year price forecast and a supply chain risk score. Vendor coverage includes a market share and cost structure breakdown.
Analysis includes a comprehensive SWOT analysis of and recent developments impacting the Consumer Credit Reporting Services market environment.
Buyer Power Score
What’s included in the Buyer Power Score chapter?
The Buyer Power Score chapter assesses key components impacting Consumer Credit Reporting Services procurement including the recent price trend, forecast price trend, availability of substitutes, switching costs, product specialization, average vendor risk, market share concentration, supply chain risk, price driver volatility and recent price volatility.
These components generate a Buyer Power Score that ranges from -5 (strongly favoring sellers) to +5 (strongly favoring buyers) plus a recommended strategy for procurement specialists.
Price Environment
What’s included in the Price Environment chapter?
The Price Environment chapter covers detailed pricing analysis and datasets on Consumer Credit Reporting Services market environment. This includes insights into market pricing Market Price (2026), price forecasts, volatility, specialization, substitutes and switching costs.
Datasets in the Price Environment chapter include vendor cost structure, breakdowns of wage rates by geography and specialty, key external economic and labor drivers impacting the market and market pricing models.
Supply Chain & Vendors
What’s included in the Supply Chain & Vendors chapter?
The Supply Chain & Vendors chapter covers the concentration, risk and diversity of the Consumer Credit Reporting Services market. This includes datasets on the market’s top suppliers, detailed analysis on the key sourcing risks and supply chain dynamics, with environmental, social and governance (ESG) considerations and scores.
Business Requirements
What’s included in the Business Requirements chapter?
The Business Requirements chapter covers vendor relationships, qualifications, service level agreements and key performance indicators. These inputs provide insight into the planning process through the buying lead time, vendor relationship and vendor qualifications. The sourcing process include key RFP elements like an organizational overview, project budget, selection criteria, project schedule, proposal format, inventory control, cost containment, regulation, quality control, distribution and key contract clauses.
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Frequently Asked Questions
What is the current market price for Consumer Credit Reporting Services?
The 2026 benchmark market price for Consumer Credit Reporting Services is $19.66 per report. Prices have increased at a CAGR of 2.79 from 2023-26.
Who are the top vendors in the Consumer Credit Reporting Services market?
The top vendors in the Consumer Credit Reporting Services market include Global Payments Inc., Fidelity National Financial, Inc., Fiserv, Inc., Automatic Data Processing, Inc. and First Advantage Corporation.
What industries supply the Consumer Credit Reporting Services market?
The top industries supplying the Consumer Credit Reporting Services market are Commercial Real Estate in the US, Real Estate Sales & Brokerage in the US, Computer & Packaged Software Wholesaling in the US, Computer Manufacturing in the US, Credit Card Issuing in the US and Data Processing & Hosting Services in the US.
What is the supply chain risk for Consumer Credit Reporting Services?
High market share concentration limits negotiation leverage and pricing flexibility for buyers. 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. Procurement teams should mitigate risk by strategically managing vendor relationships, exploring value-added bundling options, and conducting thorough contract reviews to maximize commercial and service concessions.
What factors affect the price of Consumer Credit Reporting Services?
Breadth of information refers to the range and depth of data available in consumer credit reports, which directly affects pricing in the consumer credit reporting services market. For example, comprehensive reports that include detailed credit histories, payment behaviors, and demographic insights allow vendors to charge higher prices, as these reports provide more value to buyers, such as financial institutions and property managers, who rely on accurate assessments for risk management and decision-making.
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