Credit Bureaus Market Report 2026

The credit bureaus market size has grown rapidly in recent years. It will grow from $123.34 billion in 2025 to $137.31 billion in 2026 at a compound annual growth rate (CAGR) of 11.3%. The growth in the historic period can be attributed to increasing banking industry digitization, rising global credit access demand, expansion of consumer loan activities, growing need for risk management insights, strengthening financial system governance.

The credit bureaus market size is expected to see rapid growth in the next few years. It will grow to $210.43 billion in 2030 at a compound annual growth rate (CAGR) of 11.3%. The growth in the forecast period can be attributed to increasing adoption of digital lending platforms, rising demand for real time credit evaluation, growth in financial inclusion initiatives, expansion of business credit assessment needs, strengthening regulatory compliance expectations. Major trends in the forecast period include growing adoption of advanced credit scoring analytics, rising demand for consumer credit monitoring services, increasing use of digital identity verification solutions, expansion of real time credit assessment systems, strengthening emphasis on financial transparency and risk control.

A rising national unemployment rate is expected to propel the growth of the credit bureau market going forward. The rising unemployment rate indicates an increasing percentage of the labor force that is actively seeking employment but unable to secure jobs, reflecting economic challenges and potential social impacts. Rising unemployment rates can impact credit bureaus, as unemployed individuals may struggle to pay their bills on time, leading to missed payments and increased credit utilization. For instance, in November 2023, according to the U.S. Bureau of Labor Statistics (BLS), the national unemployment rate in the U.S. was 3.7%. The BLS also offers historical data, such as state-specific unemployment rates, which can be found in their State Employment and Unemployment Summary reports. These data sources are valuable for understanding labor market dynamics and can be used by credit bureaus to assess credit risk and provide credit reports to businesses and lenders.

Major companies operating in the credit bureau market are focusing on enhancing credit assessment solutions, such as household-level credit reports, to streamline loan underwriting processes and provide lenders with a comprehensive view of applicants' financial situations. Household-level credit reports help lenders assess the overall creditworthiness and financial capacity of an entire household, streamlining the loan underwriting process and improving risk assessment. For instance, in February 2023, Equifax Credit Information Services Private Limited (ECIS), US-based a credit bureau and consumer credit company (CIC), launched, Household Combined Credit Report specifically designed for the microfinance segment. This innovative product streamlines the loan underwriting process by enabling lenders to assess the credit capacity of applicants at the household level, rather than solely relying on individual credit profiles. This providing a comprehensive view of a household’s total income, equated monthly installment (EMI) obligations, and credit exposure in a single inquiry.

In August 2023, Equifax, a US-based global provider of credit reporting, data analytics, and risk management services, acquired Boa Vista Serviços S.A. for an undisclosed amount. Through this acquisition, Equifax seeks to substantially expand its presence in Brazil, one of Latin America’s largest and fastest-growing credit markets, while strengthening its international reach and enhancing its consumer and commercial credit bureau capabilities in emerging economies. Boa Vista Serviços S.A. is a Brazil-based credit bureau and the country’s second largest, offering consumer and commercial credit information and credit-reporting services across the Brazilian market.

Major companies operating in the credit bureaus market report are Experian, Equifax, TransUnion, Innovis, CRIF, CIBIL, CreditSafe, Microbilt, Dun & Bradstreet, Coface, Creditsafe Group, Bureau van Dijk, Illion, Baycorp, Sinotrust, China Chengxin Credit Rating, Lianhe Credit Information, Japan Credit Information Reference Center (JICC), Kredi Kayıt Bürosu (KKB), Creditinfo Group, Datamyx, Compuscan.

North America was the largest region in the credit bureau market in 2025. The regions covered in the credit bureaus market report are Asia-Pacific, South East Asia, Western Europe, Eastern Europe, North America, South America, Middle East, Africa. The countries covered in the credit bureaus market report are Australia, Brazil, China, France, Germany, India, Indonesia, Japan, Taiwan, Russia, South Korea, UK, USA, Canada, Italy, Spain.

The credit bureau market includes revenues earned by entities providing credit services such as credit account information, including payment history, the balance of an account, the date of the last financial activity, risk score, and the credit limit on the account. The market value includes the value of related goods sold by the service provider or included within the service offering. Only goods and services traded between entities or sold to end consumers are included.

The market value is defined as the revenues that enterprises gain from the sale of goods and/or services within the specified market and geography through sales, grants, or donations in terms of the currency (in USD unless otherwise specified).

The revenues for a specified geography are consumption values that are revenues generated by organizations in the specified geography within the market, irrespective of where they are produced. It does not include revenues from resales along the supply chain, either further along the supply chain or as part of other products.

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