A credit reporting agency you can actually buy from.

CRS provides consumer and business credit data to companies that lend, screen tenants, and extend terms. One account covers all three bureaus.

Ask our Team About Getting Access

CRS sells to businesses, not to individuals. If you are checking your own credit, there is a faster and free option at the bottom of this page.

3Bureaus, one accountExperian, Equifax, TransUnion
2wkTypical time to go liveIncluding bureau vetting
25+Years of credit industry experienceAcross the CRS team
SOC 2Type II certifiedIndependently audited

WHAT YOU CAN GET

What credit reporting services actually cover.

Consumer credit reports

Soft pulls that do not affect a person’s score, and hard pulls for final lending decisions.

Consumer lending

Business credit reports

Trade payment history, public records, and commercial risk scores on the businesses you deal with.

Commercial lending

Credit scores

FICO and VantageScore models. Our team helps you match the model to the decision you are making.

Score models

Identity and public records

Identity verification, background check data, and public records alongside the credit file.

Identity verification

Tenant screening

Credit, criminal, and eviction data bundled for leasing decisions at volume.

Tenant screening

Ongoing monitoring

Track credit changes across accounts you already have, so risk surfaces before a payment is missed.

Batch monitoring

HONEST QUALIFICATION

Who CRS is built for, and who it is not.

We would rather tell you now than after a sales call.

A good fit

  1. 01You check credit on other people or businesses as part of how you operate
  2. 02You have a permissible purpose, such as lending, tenant screening, or account review
  3. 03You pull credit consistently rather than once or twice a year
  4. 04You operate in the United States
  5. 05You want more than one bureau, or more than credit data alone
  6. 06You want a portal today and an API later, or the other way around

Not a fit

  1. 01You want to check your own credit or a family member’s
  2. 02You are curious about someone and have no business reason to look
  3. 03You need a handful of reports a year
  4. 04You are outside the United States
  5. 05You want a consumer credit monitoring subscription for yourself
  6. 06You want a portal today and an API later, or the other way around

Regulated data takes a process. We run it for you.

Credit data is not something you sign up for with a credit card. Here is what actually happens.

01

Selection

Tell us what you are deciding and who you are deciding it about. We recommend the products that fit, and rule out the ones that do not.

02

Compliance

Our compliance team confirms your permissible purpose and guides you through bureau vetting. This is usually the longest step.

03

Activation

Start pulling reports through the web portal, the Chrome extension, or the API. Most customers go live in roughly two weeks.

You do not need to become a credit reporting agency yourself. CRS holds that role and credentials you as an end user underneath it.

WHY CRS

One provider instead of a stack of them.

You can contract each bureau directly, or use a provider built around one narrow use case. Here is how those compare.

Category
CRS
Direct with the bureaus
Single-use-case providers
Experian, Equifax, and TransUnion
One account
Contract each separately
Often one or two
Consumer and business credit together
One account
Separate products
Usually one or the other
Identity, fraud, and public records
Available as add-ons
Sourced separately
Rarely included
Credentialing and permissible purpose
CRS is the licensed CRA and guides the process
You complete vetting yourself
Varies
Use it without developers
Portal, Chrome extension, or API
Integration expected
Varies
Support
US-based support team
Enterprise account management
Transactional

See what all-in-one credit solutions can do for you.

Get Started

FAQ

What is a credit reporting agency?

An organization that collects credit information and provides it to businesses with a permissible purpose. [More on what a CRA is](https://crscreditapi.com/what-is-a-cra/).

Do we need to be a credit reporting agency ourselves?

No. CRS holds that role. You are credentialed as an end user, and our compliance team runs that process for you.

Can we pull credit on anyone we want?

No. Every pull requires a permissible purpose under federal law. We confirm yours before enabling any product.

Do we need developers?

No. Start in the web portal and pull reports one at a time. Add the API whenever you are ready to automate.

How long before we can pull our first report?

Most customers go live in roughly two weeks. Bureau vetting is usually the longest step, and we manage it.

What does vetting require?

Requirements vary by product and use case. Our [vetting documents page](https://crscreditapi.com/vetting-documents/) lists what to prepare.

What does it cost?

Pricing depends on the products you need and your expected volume. Tell us both and we will give you real numbers.

Is there a minimum volume?

CRS is built for businesses pulling credit consistently. If your volume is very low, we will tell you honestly.

Looking for your own credit report?

CRS provides credit data to businesses only. We do not sell credit reports to individuals. For your own report at no cost, visit [annualcreditreport.com](https://www.annualcreditreport.com), the federally authorized source. For your own business credit file, go to [experian.com/small-business](https://www.experian.com/small-business/).