The Credit Reporting Agency Advantage

CRA stands for Credit Reporting Agency. Equifax, Experian, and TransUnion are the major nationwide consumer reporting companies. CRAs act on behalf of the bureaus – managing vetting, compliance, and making regulated data more accessible for responsible businesses.

There are fewer than 100 CRAs, with the majority specializing in mortgage lending. Others specialize in areas like tenant and employment screening. With the purposeful exception of mortgage lending, CRS uniquely serves all other industries.

CRS is a Credit Reporting Agency for all three credit bureaus and approved partner for many more financial data providers. We bring disparate data sources together in one place to power comprehensive data solutions from a single, streamlined API integration.

All-in-one credit and compliance means handling every step of vetting, compliance, and data access in-house. We onboard customers 10x faster than the industry standard. A US-based, real credit data expert will always be available to support your success.

2021 – CRS launches the first guided compliance platform to deliver compliant credit data access in weeks, not months
2019 – The CRS Group parent company emerges to support a growing, dispersed team of credit and technology industry leaders and innovators
2016 – Credit Reporting Services, Inc. is established to support CRS’s continued growth as a credit data technology leader
2006 – An early innovator in credit data API technology, Stephen Hawkins establishes Credit Reporting Services, LLC to empower companies with better credit data access and push the boundaries of credit reporting with data-driven automation
2001 – CRS CEO & co-founder, Stephen Hawkins, co-founds his first national Credit Reporting Agency with Experian, Equifax, and TransUnion