CRS

What CRS does

CRS (Credit Reporting Services Inc.) is a licensed Credit Reporting Agency headquartered in San Francisco that operates an API-first credit data platform providing unified access to Equifax, Experian, and TransUnion through a single endpoint. Its core product, CRS One, returns tri-bureau credit reports, scores, and income/fraud add-ons in a normalized payload built on the MISMO 3.4 standard via the proprietary CRS Standard Format, eliminating the need for separate bureau-specific integrations. The platform is SOC 2 Type II and EI3PA certified, FCRA-compliant, and includes pre-built native integrations into Salesforce and Zoho CRM, a Chrome extension (Credit Burst), and a self-serve web portal (Credit OrderPro) for SMBs.

The company monetizes primarily through subscription-based API access to consumer and business credit reports (soft and hard pulls), with additional revenue from add-on modules such as OFAC screening, Identity Verification (KYC/KYB), Fraud Finder, Income Insight, Trended Data, and the forthcoming Data Furnishing service. Top-of-funnel products OffersIQ (pre-qualification at 85%+ hit rate) and LeadIQ (250M+ consumer audience) extend the platform into lead generation for debt consolidation, consumer lending, fintech/BNPL, tenant screening, automotive, and commercial lending verticals. GTM combines direct enterprise sales with inside sales for mid-market, a $500-per-referral partner/reseller program, and white-label embeddable widgets. The company has raised $9M from Anthem Venture Partners, Fresh Ventures, IA Capital Group, and MS&AD Ventures (2022 Series A) and operates with 51-100 employees.

Name

CRS

Legal name

Credit Reporting Services Inc.

Website

https://crscreditapi.com

Company type

Private

Founded year

2019

Operating status

Operating

Headcount range

11–50 employees

Short description

CRS is a San Francisco-based licensed Credit Reporting Agency operating an API-first credit data platform that unifies Equifax, Experian, and TransUnion access through a single normalized endpoint (CRS One), serving fintechs, lenders, tenant screeners, and debt resolution firms with credit reports, fraud detection, identity verification, and lead generation add-ons.

Ownership category

akta.pro rank

Product category

Credit Data API Platform

NAICS

Credit Bureaus (561450), Credit Bureaus (56145)

SIC

Services-Consumer Credit Reporting, Collection Agencies (7320)

akta.pro primary industry

Credit Bureaus & Consumer Credit Reporting Agencies (FSAKAKAA)

Keywords

• Credit data API
• Tri-bureau credit reporting
• Credit decisioning platform
• Fraud detection API
• Identity verification services

Headquarters

HQ city

San Francisco

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

Technology or R&D, Personnel, Infrastructure, Operations, Marketing or Sales

Revenue model

1. Credit Data API Access: Revenue generated from API access to credit bureau data and reports. Companies pay for credit report pulls, with pricing varying by bureau access (single-bureau vs tri-bureau) and inquiry type (soft vs hard pull). Subscription-based pricing with monthly or annual billing.
2. Add-on Data Products: Additional revenue from supplementary products including OFAC screening, Income Insight, Fraud Shield, Trended Data, Bankruptcy Plus Score, and Identity Verification. These are add-ons to base credit API subscriptions.
3. Partner/Referral Program: Revenue from channel partnerships where referrers earn $500 per successful referral. CRS provides credit data products and services to referred customers.
4. Web Access / Self-Serve Portal: Revenue from small businesses accessing credit reporting tools through a secure web portal. Pay-per-report or subscription model for businesses without dedicated IT teams.
5. CRM Integration Services: Revenue from pre-built CRM integrations with Salesforce and Zoho, including loan calculators and comparison tools. Technical implementation and ongoing support services.

Pricing tiers

Go-to-market motion1 record

Distribution channels6 records

Marketing channels5 records

Core offering

CRS provides a unified Credit Data as a Service API platform that delivers tri-bureau (Equifax, Experian, TransUnion) consumer and business credit reports, soft and hard pulls, fraud detection, identity verification, OFAC/sanctions screening, income verification, pre-qualification, and tradeline data furnishing through a single normalized endpoint. The platform is sold on subscription-based pricing with monthly or annual billing, complemented by professional services for CRM integrations.

Product overview

CRS (Credit Reporting Services) offers a unified Credit Data as a Service platform providing API-first access to consumer and business credit data. The core offering centers on CRS One, a unified credit underwriting API that provides tri-bureau access (Equifax, Experian, TransUnion) through a single endpoint. The platform operates on a platform-plus-modules architecture where CRS Standard Format normalizes data across bureaus, and additional capabilities are added through configurable add-ons. Core products include Consumer Credit (soft/hard reports), Business Credit, Score Models (FICO/VantageScore), and Identity Verification. Key add-on modules include Fraud Finder (pre-pull fraud screening), Fraud Shield and Income Insight (Experian add-ons), OffersIQ (soft-pull pre-qualification), LeadIQ (audience building), eCredit Monitoring (consumer-facing widget), Batch Monitoring (portfolio tracking), Data Furnishing (tradeline reporting), OFAC Screening, and Public Record Data. CRM integrations with Salesforce and Zoho enable native credit data access within existing workflows. The platform is SOC 2 Type II certified and supports FCRA-compliant credit data access for consumer lending, tenant screening, automotive, bankruptcy services, commercial lending, credit unions, fintech, and investor qualification use cases.

Differentiator

Problem solved

Functional benefit

Brands

• CRS One: Unified credit underwriting API supporting tri-bureau access through a single endpoint
• CRS Fraud Finder
• OffersIQ
• LeadIQ
• Credit Data Direct
• eCredit Monitoring
• CRS Standard Format
• CRS KYC
• CRS KYB
• Data Furnishing
• Income Insight
• Fraud Shield

Products and services

• CRS One Unified Credit Underwriting API Unified credit underwriting API providing tri-bureau access (Equifax, Experian, TransUnion) through a single endpoint. Supports soft and hard inquiries with income-related add-ons including Income Insight from Experian in the same request. Returns a normalized payload built on the MISMO 3.4 standard with typical response time under 2 seconds. Designed for enterprise and mid-market lenders and fintechs.
• Consumer Credit Reports Soft and hard credit reports from Equifax, Experian, and TransUnion. Soft pulls enable pre-qualification without impacting consumer scores; hard pulls provide detailed credit history for informed lending decisions and final approvals. Targeted at lenders, fintechs, and consumer credit decisioning.
• Business Credit Reports Business credit reports providing debt information and state filings for commercial lending and business risk assessment. Used by commercial lenders for underwriting business credit facilities and enterprise loans.
• Score Models Standalone offering providing FICO and VantageScore credit score options with expert guidance for selecting the most suitable scores for specific business requirements. Available through CRS Credit API across all three bureaus.
• Identity Verification (KYC) Know Your Customer identity verification confirming consumer and business entity details across multiple data sources as part of an FCRA-aligned onboarding workflow. Used by lenders, fintechs, and platforms for compliance-driven onboarding.
• FinStack (CRS Platform) Holistic software platform providing user management, billing reports, compliance safeguards, and customized report formats for credit data access. Includes the Credit Order Pro web portal for SMB and individual users to obtain detailed credit reports with one-click PDF generation.
• CRS Fraud Finder Standalone fraud detection layer that flags risk before a credit pull using real-time email behavioral signals to detect fake accounts, repeated abuse, and suspicious credential changes. SOC 2 Type II certified and offered as a separate product beyond the base credit API.
• OffersIQ Pre-Qualification Engine Pre-qualification product that qualifies leads before formal application using minimal inputs (first name, last name, address). Operates at 85%+ credit hit rate without exposing regulated credit data and is FCRA compliant by design. Targeted at debt consolidation lenders, marketplaces, and lead generators.
• LeadIQ Consumer Audience Platform Top-of-funnel consumer audience building tool accessing a dataset of 250M+ consumers with weekly refresh, including credit score ranges and income context. Designed for high-intent consumer targeting and lead generation for debt consolidation, lending, and fintech marketers.
• eCredit Monitoring Consumer credit monitoring solution available via iframe embed or API providing VantageScore credit score with top four score factors, score history trend, and real-time credit reports with monthly refreshes. Co-brandable for fintechs to offer inside their own applications.
• CRS Credit Burst Chrome Extension Browser extension providing instant access to credit reports from all major bureaus directly from the browser. Integrates with Salesforce and Zoho CRM for one-click submission. Designed for SMB and individual users without dedicated IT teams.
• Batch Monitoring Portfolio tracking tool that monitors loan portfolio health through one-bureau or tri-bureau credit file monitoring with daily file alerts. Tracks key changes on credit files for lenders managing ongoing portfolios.
• Data Furnishing Tradeline data reporting service allowing lenders, property managers, and providers to report payment data in Metro 2 format to Equifax, Experian, and TransUnion. Includes FCRA-aligned onboarding, testing, and ongoing support via API and file upload.
• Marketing Lists Lead generation tool providing consumer lists with demographic and credit filters, including prospect triggers for purchasing lists of active leads meeting qualification criteria. Targeted at marketers and lead generation companies.
• OFAC and Watchlist Screening Compliance-grade sanctions screening as a standalone product that screens against OFAC Specially Designated Nationals list, UN Consolidated Sanctions List, EU sanctions, PEP databases, and adverse media with fuzzy name matching available.
• Public Record Data Standalone search capability for public and private data including bankruptcy, liens, judgments, UCC secured debt, arrests, warrants, sex offender records, professional licenses, and MERS lien searches. Used for background checks and legal services documentation.
• Income Verification Standalone income verification service verifying income to protect integrity of consumer underwriting decisions, with Income Insight from Experian available as a directional income read within CRS One.
• Background Check Standalone background check service providing confidence with verified histories across public records, criminal data, and identity sources. Used by employers, tenant screeners, and platforms requiring background verification.

Quantifiable outcome

• 10x faster data access compared to industry standard
• +6 more outcomes

Named customers11 records

Segments12 records

Ideal customer profiles6 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

AI capability7 records

Feature10 records

Partnerships

Five partnerships are on record, tiered core.

• EquifaxcoreTechnology or IntegrationDirect API integration with Equifax credit bureau providing access to consumer and business credit data, scores, and reports through CRS Standard Format.
• ExperiancoreTechnology or IntegrationDirect API integration with Experian credit bureau providing access to consumer credit data, scores, and Experian-specific add-ons including Income Insight and Fraud Shield.
• TransUnioncoreTechnology or IntegrationDirect API integration with TransUnion credit bureau providing access to consumer and business credit reports and scores through unified CRS platform.
• SalesforcecoreTechnology or IntegrationPre-built CRM integration allowing CRS Credit API access within Salesforce. Includes loan calculators, comparison tools, and consumer credit record management capabilities.
• Zoho CRMcoreTechnology or IntegrationPre-built Zoho CRM integration branded as Credit Data Direct for Zoho CRM. Allows real-time credit data access and loan comparison analysis within Zoho platform.

Scale indicators8 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• MicroBilt: MicroBilt is a credit data aggregator offering API-based access to consumer and business credit reports from the major bureaus plus alternative data. It is a direct competitor to CRS in the SMB/mid-market credit API space with overlapping tri-bureau normalization and fintech/lending customer segments.
• Plaid: Plaid is an API-first platform connecting applications to financial data including bank account, income, and asset information. While not bureau-data focused, Plaid competes for the same fintech developer budget and embedded-decisioning workflow that CRS targets, making it a closely comparable API-first financial data peer.
• Middesk: Middesk provides business credit reports, KYB verification, and entity resolution through APIs targeting fintechs and lenders. It overlaps directly with CRS's Business Credit and KYB offerings and competes for the same underwriting and onboarding use cases in fintech/lender workflows.

Broad incumbents

• Finicity (Mastercard Open Finance): Finicity, acquired by Mastercard, offers financial data aggregation and credit decisioning APIs across consumer-permissioned data. As a much larger incumbent under Mastercard, it competes with CRS in adjacent API-first credit and cash-flow underwriting, particularly in bank statement and cash-flow data.
• Yodlee: Yodlee, owned by Envestnet, provides financial data aggregation, account verification, and risk analytics APIs. It is a broader incumbent competing for the same fintech/lender decisioning stack that CRS targets, especially around alternative data and cash-flow underwriting.
• LexisNexis Risk Solutions: LexisNexis Risk Solutions offers consumer and business credit reports, identity verification, fraud detection, and compliance data via APIs. It competes with CRS across nearly the full product suite (consumer credit, fraud, identity, public records) but as a much larger, established incumbent with broader portfolio.

Emerging players

• Socure: Socure provides AI-driven identity verification and fraud detection for onboarding and account opening. It overlaps with CRS's KYC, KYB, and Fraud Finder offerings and competes for the same fintech/lender compliance and fraud budget, though Socure is more specialized in identity rather than credit data.
• SentiLink: SentiLink focuses on synthetic identity fraud and application fraud detection in lending and fintech workflows. It overlaps with CRS Fraud Finder and pre-pull fraud screening use cases, competing for the same fraud-mitigation budget inside lending and fintech customers.
• Persona: Persona offers a configurable identity verification and KYC platform used by fintechs and lenders. It overlaps with CRS's Identity Verification and KYC/KYB add-ons, especially for onboarding workflows at digital-first lenders and platforms.

Others

• Equifax (Developer / Data Fabric): Equifax is one of the three upstream credit bureaus that supplies data to CRS and also offers its own developer APIs and decisioning products. It is included as an OTHERS peer because it is simultaneously a key supplier and an indirect competitor that could disintermediate resellers like CRS.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/crscreditapi
• Facebookfacebook.com/creditreportingservices
• LinkedInlinkedin.com/company/crs-group-inc

Compliance5 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

Funding overview

Funding rounds4 records

Investors4 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about CRS