Ansonia Credit Data
Ansonia Credit Data is a US business credit reporting agency and Equifax subsidiary that aggregates trade payment data from a network of contributors (carriers, 3PLs, railroads, factoring companies, fuel/tire vendors) to produce business credit reports and its proprietary Ansonia Risk Score for transportation and logistics companies and SMBs.
- Company typePrivate
- Founded2006
- HeadquartersOlympia, United States
- Headcount11–50
- GTM typeB2B
- OfferingServices
What Ansonia Credit Data does
Ansonia Credit Data is a US-based business credit reporting agency founded in 2006 and operating as a subsidiary of Equifax Inc. (NYSE: EFX). The company specializes in aggregating trade payment data — actual accounts receivable histories submitted by companies that extend net-payment-term credit (such as net 30 days) — to produce business credit reports and the proprietary Ansonia Risk Score for commercial entities. Its data contributor network spans factoring companies, carriers, 3PLs, railroads, fuel and tire suppliers, and other vendors, who submit receivables data at least monthly under a free, confidential participation model. Companies become eligible for a risk score after two different contributors have reported their payments for three consecutive months.
The company's core products are Business Credit Reports and the Ansonia Risk Score, supplemented by a Data Verification Request process (used by companies with scores of 84 or below, or by loadboard referrals, to obtain or dispute their reports) and a Trade Data Reporting service for contributors. The Ansonia Risk Score is a statistical algorithm that evaluates payment history, creditor count, and balances, and is rendered in a compact notation (e.g., "12K32" indicating a $12,000 average balance with 32-day average payment). Ansonia's primary distribution is a self-serve online platform (ansoniacreditdata.com) supplemented by score integration on major transportation loadboards, which display Ansonia scores to their members as part of their services.
Ansonia's commercial model is transaction-based: credit reports are priced at $18 each via credit card for companies with scores of 85 or higher, while Data Verification Requests are free. The primary customer segment is transportation and logistics companies (freight brokers, carriers, 3PLs), with secondary reach into small and medium businesses seeking to build trade credit history. The 2016 acquisition of Gallium Technologies was the company's only disclosed inorganic move; it has since remained a stable operating unit within Equifax's commercial data portfolio, with no disclosed funding events, leadership changes, or geographic expansions.
Ansonia Credit Data firmographics
Firmographics- Name
- Ansonia Credit Data
- Legal name
- Ansonia Credit Data
- Website
- http://www.ansoniacreditdata.com
- Company type
- Private
- Founded year
- 2006
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Ansonia Credit Data is a US business credit reporting agency and Equifax subsidiary that aggregates trade payment data from a network of contributors (carriers, 3PLs, railroads, factoring companies, fuel/tire vendors) to produce business credit reports and its proprietary Ansonia Risk Score for transportation and logistics companies and SMBs.
- Ownership category
- akta.pro rank
Ansonia Credit Data industry classification
Industry- Product category
- Commercial Credit Reporting
- NAICS
- Credit Bureaus (561450), Credit Intermediation and Related Activities (522)
- SIC
- Services-Consumer Credit Reporting, Collection Agencies (7320), Personal Credit Institutions (6141)
- akta.pro primary industry
- Credit Bureaus & Consumer Credit Reporting Agencies (FSAKAKAA)
- akta.pro secondary industry
- Credit Scoring Models & Score Providers (FSAKAKAC)
Keywords
Where Ansonia Credit Data is headquartered
LocationHeadquarters
- HQ city
- Olympia
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Ansonia Credit Data business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Technology or R&D, Personnel, Operations, Marketing or Sales, Infrastructure
Revenue model
- Credit Report Sales: One-time transaction-based sales of business credit reports for $18 per report. Available to companies with Ansonia Risk Score of 85 or higher through self-serve account creation and credit card purchase.
- Data Verification Request Processing: Free processing for companies with score of 84 or below, with data contributors given 15 days to research and respond. This process allows company officers to obtain and review their credit reports.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | Standard Credit Report Purchase |
| Freemium | Pay-as-you-go | Data Verification Request (Free Tier) |
Go-to-market motion2 records
Distribution channels2 records
Marketing channels3 records
Ansonia Credit Data product offering
Product offeringCore offering
Ansonia Credit Data aggregates monthly trade payment data submitted by a network of trade creditors (factoring companies, carriers, 3PLs, railroads, fuel and tire suppliers) and produces business credit reports and the proprietary Ansonia Risk Score for commercial entities. Companies become eligible for a credit score once two different data contributors have reported payments for three consecutive months. Credit reports are sold directly for $18 each to companies scoring 85 or higher, while a free Data Verification Request process is available for lower-scored companies and loadboard referrals.
Product overview
Ansonia Credit Data is a business credit reporting agency, now part of Equifax, offering a unified platform centered on Business Credit Reports. The core product is the Ansonia Risk Score—a statistical credit risk algorithm—alongside full Business Credit Reports. The suite includes Data Verification Request tools for dispute resolution and report acquisition, Trade Data Reporting for data contributors, and Account Management for purchasing reports. Loadboards integrate with Ansonia to display credit scores to their members.
Differentiator
Problem solved
Functional benefit
Products and services
- Business Credit Reports Comprehensive business credit reports aggregating trade payment data submitted monthly by Ansonia's network of data contributors, providing a view of a company's payment history, balances, and payment behavior for commercial entities.
- Ansonia Risk Score Statistical algorithm-based credit risk score determined by a company's payment history, number of creditors, and balances. Companies become eligible for a score after two different data contributors report payments for three consecutive months.
- Data Verification Request Request process allowing company officers of companies scoring 84 or below to obtain copies of their credit report, or submit disputes to correct inaccuracies, with separate paths for loadboard referrals and non-loadboard requests. Data contributors are given 15 days to research and respond.
- Trade Data Reporting Service allowing companies that extend trade credit on net payment terms to submit their accounts receivable portfolio to Ansonia monthly. Participation is free, confidential, and secure, and requires the contributor to have an Ansonia Credit Report on file.
Quantifiable outcome
- Companies become eligible for credit score after two different data contributors report payments for three consecutive months
- +1 more outcomes
Companies that use Ansonia Credit Data
Customer profileSegments3 records
Ideal customer profiles2 records
Ansonia Credit Data technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration1 record
Feature3 records
Ansonia Credit Data partnerships and signals
Strategic signalPartnerships
Three partnerships are on record, tiered core.
- EquifaxcoreAnsonia is an Equifax Company, operating as a subsidiary or division within the Equifax organization. This relationship provides brand credibility, infrastructure support, and integration with Equifax's broader commercial data assets. The contact email is [email protected].
- Loadboard PartnerscoreSome of the largest loadboards in the transportation industry provide Ansonia credit scores as part of their member services. This integration allows freight brokers and carriers to access Ansonia risk scores directly through loadboard platforms when evaluating business opportunities.
- Trade Partner Network (Data Contributors)coreCompanies who extend trade credit (net payment terms) and submit their accounts receivable portfolio to Ansonia monthly. Data contributors include factoring companies, carriers, 3PLs, railroads, fuel suppliers, tire vendors, and other suppliers. Participation is free, confidential and secure.
Scale indicators3 records
Recent moves6 records
Expansion highlights4 records
Ansonia Credit Data competitors and assessment
Company assessmentBroad incumbents
- Dun & Bradstreet: Dun & Bradstreet is the dominant incumbent in business credit reporting, offering commercial credit scores (PAYDEX), trade payment data, and corporate credit profiles. It competes broadly with Ansonia across industries and dwarfs Ansonia in scale and data breadth.
- Equifax Business / Equifax Commercial: Equifax's own commercial data and business credit offerings represent the parent's broader portfolio. Ansonia operates within this Equifax ecosystem, and the parent offers overlapping business credit products with wider industry coverage, making it both an enabler and a competitor.
- Experian Business Reports: Experian provides commercial credit reports and Intelliscore Plus for SMBs across industries. It is a direct competitor to Ansonia's trade payment-based risk scoring approach and serves the same business credit evaluation use case at much greater scale.
- PayNet (Verisk): PayNet, owned by Verisk, is a leading source of small business credit data and commercial credit risk analytics. It serves lenders and financial institutions and overlaps with Ansonia's mission of providing trade-based credit intelligence, albeit at much greater scale.
Direct peers
- Creditsafe: Creditsafe is a global business credit reporting and data analytics company serving SMBs and enterprise customers. It offers comparable business credit reports, monitoring, and risk scores, competing head-to-head with Ansonia in the SMB and mid-market business credit segment.
- Cortera (now part of Dun & Bradstreet): Cortera specialized in business credit intelligence powered by trade payment data from a contributor network, with a strong footprint among SMBs and transportation suppliers. This data contributor model closely mirrors Ansonia's trade partner network, making it one of the most comparable peers.
Emerging players
- Nav (now Lendio): Nav provides free business credit scores and reports to SMBs and matches them with financing options. While it focuses more on SMB financing marketplaces, its free credit reporting offering competes with Ansonia's verification and monitoring capabilities for the same underserved SMB audience.
- CreditKey: CreditKey provides SMB credit and financing solutions for B2B merchants and buyers. While more focused on point-of-sale financing, it shares Ansonia's emphasis on building credit data and credit profiles for smaller B2B businesses.
- SuperMoney: SuperMoney is an SMB financial services marketplace that surfaces business credit profiles and lending options. Its free business credit reporting layer competes with Ansonia's SMB-facing credit report offering for the same customer segment.
Others
- Loadboard Partners (e.g., DAT, Truckstop.com): Major freight loadboards such as DAT and Truckstop.com serve as Ansonia's distribution channel partners and embed Ansonia credit scores into member services. While not direct competitors in credit reporting, they are critical ecosystem participants that shape Ansonia's go-to-market.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Customer concentration
Ansonia Credit Data social profiles
Digital presenceAnsonia Credit Data financial estimates
Financial estimateRevenue estimate
Valuation estimate
Ansonia Credit Data leadership team
Management profileNumber of profiles
Profiles1 record
Ansonia Credit Data funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Ansonia Credit Data M&A and investment
M&A and investmentM&A1 record
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Ansonia Credit Data
What does Ansonia Credit Data do?
Ansonia Credit Data aggregates monthly trade payment data submitted by a network of trade creditors (factoring companies, carriers, 3PLs, railroads, fuel and tire suppliers) and produces business credit reports and the proprietary Ansonia Risk Score for commercial entities. Companies become eligible for a credit score once two different data contributors have reported payments for three consecutive months. Credit reports are sold directly for $18 each to companies scoring 85 or higher, while a free Data Verification Request process is available for lower-scored companies and loadboard referrals.
Is Ansonia Credit Data a public or private company?
Ansonia Credit Data is a private company. It is classified as corporate owned and is currently operating.
When was Ansonia Credit Data founded?
Ansonia Credit Data was founded in 2006. It employs 11 to 50 people.
Where is Ansonia Credit Data based?
Ansonia Credit Data is headquartered in Olympia, United States, in the North America region.
How does Ansonia Credit Data make money?
Two revenue lines are on record. Credit Report Sales are the primary driver. The others are data Verification Request Processing.
Who are Ansonia Credit Data's main competitors?
Broad incumbents on record are Dun & Bradstreet, Equifax Business / Equifax Commercial, Experian Business Reports and PayNet (Verisk). Direct peers are Creditsafe and Cortera (now part of Dun & Bradstreet). Emerging players are Nav (now Lendio), CreditKey and SuperMoney. Loadboard Partners (e.g., DAT, Truckstop.com) is listed as an others.
Does Ansonia Credit Data have an API?
No public API is recorded for Ansonia Credit Data.
What industry is Ansonia Credit Data in?
Ansonia Credit Data's product category is Commercial Credit Reporting. Its primary akta.pro industry code is FSAKAKAA, Credit Bureaus & Consumer Credit Reporting Agencies, with a secondary code of FSAKAKAC, Credit Scoring Models & Score Providers. Its NAICS code is 561450 and its SIC code is 7320.