National Credit Reporting

What National Credit Reporting does

National Credit Reporting (NCR), founded in 1984 and headquartered in San Jose, California, is a privately held consumer reporting agency specializing in tenant and employment background screening. The company serves over 13,000 clients across two primary verticals: federally assisted housing (Public Housing Agencies requiring HUD One Strike compliance and FBI fingerprint-based criminal checks) and market-rate property owners and managers (portfolios ranging from 50 to 150,000 units). NCR screens more than one million rental units annually with nationwide coverage across all 50 states, supported by six regional offices (San Jose, Los Angeles, Seattle, Las Vegas, Phoenix, San Antonio) and a team of approximately 25 background screening specialists.

NCR's platform integrates credit reports from all three national bureaus (Equifax, Experian, TransUnion), criminal background searches (county, multi-state, federal, and FBI fingerprint-based via its approved FBI Channeler status), a proprietary Unlawful Detainer database of nearly 2 million eviction filings, drug screening, employment and landlord verifications, and fraud-detection modules (SAFESCAN, Detech, OFAC). The platform is delivered through a 24/7 web portal, fax ordering, direct phone sales, and an XML-based Background Screening API for automated integration with property management systems. Strategic integrations include direct contracts with the California Department of Justice for sex offender data, all three credit bureaus, and FBI CJIS channeling.

The business model is B2B with a sales-led, quote-based pricing structure oriented toward recurring monthly subscriptions and per-report fees. Customized flagging systems and scoring rules are configured per property. Revenue is generated from tenant screening packages, employment screening, and add-on verification modules, with distribution primarily through direct sales, the company's website, and industry associations (NAHRO, AHMA). No public pricing, no disclosed funding rounds, and no revenue figures are available; the company operates as an independent, privately held entity.

Name

National Credit Reporting

Legal name

National Credit Reporting

Website

https://ncrcredit.com

Company type

Private

Founded year

1984

Operating status

Operating

Headcount range

11–50 employees

Short description

National Credit Reporting is a privately held consumer reporting agency founded in 1984 that provides tenant and employment background screening services to over 13,000 property managers and 100+ Public Housing Agencies across the United States, leveraging FBI Channeler status and a proprietary 2 million-record eviction database.

Ownership category

akta.pro rank

Product category

Tenant Screening Services

NAICS

Credit Bureaus (56145), Investigation and Personal Background Check Services (561611)

SIC

Services-Consumer Credit Reporting, Collection Agencies (7320)

akta.pro primary industry

Tenant & Rental Background Screening (BPAKAEAB)

akta.pro secondary industries

Credit Bureaus & Consumer Credit Reporting Agencies (FSAKAKAA), Criminal Background Checks (National/State/County) (BPACALAA), Income, Employment & Cash-Flow Verification (Consumer) (FSAKAKAE)

Keywords

• Tenant screening
• Background screening
• Employment screening
• FBI background checks
• Credit reporting

Headquarters

HQ city

San Jose

HQ country

United States

HQ region

North America

Offices6 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Tenant Screening Reports: B2B subscription/per-report model providing credit reports, criminal background checks, eviction records, and other screening services to property managers and landlords. Reports accessed via website or fax.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels4 records

Core offering

National Credit Reporting provides comprehensive tenant and employment background screening reports for property managers, landlords, and employers. Services include credit reports from all three major bureaus, criminal background checks (county, state, federal, and FBI fingerprint-based), eviction records, employment and landlord verifications, drug screening, and sex offender searches. The company also operates a web-based platform with XML API integration for automated applicant screening workflows.

Product overview

National Credit Reporting provides a comprehensive suite of tenant and employment screening services organized as a platform with multiple integrated modules. The core offerings include credit reports from all three major bureaus (Equifax, TransUnion, Experian), national risk scoring (FICO/Beacon), and criminal background checks (county, state, federal, and FBI fingerprint-based). Key specialized products include an eviction database with nearly 2 million unlawful detainer filings, drug screening (5/10 panel and hair testing), employment and landlord verifications, and FBI criminal records obtained through their approved channeler status. Additional add-on modules include Social Security Verification (SAFESCAN), Telecheck for check fraud detection, and Detech for SSN verification. The Background Screening API enables automated integration with applicant management systems. Services are accessible via internet website 24/7 and include both single searches and custom packages.

Differentiator

Problem solved

Functional benefit

Products and services

• Credit Reports
• Eviction Records (Unlawful Detainer Database)
• FBI Criminal Background Check
• Tenant Screening (Conventional and Market-Rate)
• Federally Assisted Housing Screening
• Employment Screening
• Drug Screening
• Background Screening API
• Criminal Background Records (Multi-Jurisdictional)
• Sex Offender Search
• Employment and Landlord Verification
• National Risk Score

Quantifiable outcome

• Access to criminal data in all 50 states simultaneously
• +3 more outcomes

Named customers2 records

Segments3 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

Five partnerships are on record, tiered core and strategic.

• FBI (Federal Bureau of Investigation)coreTechnology or IntegrationNCR is one of the few screening companies selected by the FBI as an authorized channeling agency to collect and submit fingerprints to the FBI's Criminal Justice Information Systems (CJIS) division. This enables 48-hour FBI criminal background reports.
• NAHRO (National Association of Housing and Redevelopment Officials)strategicStrategic or Co-development PartnerActive member providing industry leadership and education regarding HUD's unique One Strike screening requirements for federally assisted housing.
• AHMA (Affordable Housing Management Association)strategicStrategic or Co-development PartnerActive member organization for affordable housing management professionals requiring specialized screening compliance.
• California Department of JusticecoreTechnology or IntegrationNCR maintains a direct access contract with California DOJ for Sex Offender Registration database access, as well as nationwide sex offender information from all 50 states.
• Equifax, Experian, TransUnion (Credit Bureaus)coreTechnology or IntegrationNCR provides members access to all three national credit bureaus for credit reports and risk scores. Reports are reformatted for easy reading.

Scale indicators6 records

Recent moves5 records

Expansion highlights4 records

Emerging players

• AppFolio: Property management software platform with an integrated tenant screening offering (AppFolio Tenant Screening). Overlaps with NCR on products and customers, but distributes screening as part of a broader SaaS suite rather than as a standalone CRA.
• RentRedi: Modern landlord software platform that includes built-in tenant screening (credit, criminal, eviction). Comparable to NCR on tenant screening deliverables, but competes by bundling screening into a SaaS workflow rather than selling reports standalone.
• Checkr: Technology-led background check company that has expanded from gig-economy employment screening into housing and tenant screening. Comparable in product category (background checks + criminal/eviction data) but differentiated by stronger engineering, API-first architecture, and tech-forward brand.

Direct peers

• TransUnion SmartMove: TransUnion's tenant screening product that pulls credit, criminal, and eviction data directly from a major bureau. Closely comparable to NCR because it serves the same landlord/property-manager customer base for the same use case (rental screening), with NCR reliant on TransUnion as a data supplier and competing with it as a screening provider.
• CoreLogic SafeRent: One of the largest dedicated tenant screening providers in the U.S., serving property managers with credit, criminal, and eviction reports. Directly comparable to NCR across products, customers, and FCRA-governed CRA delivery model.
• Sterling: Large background screening provider serving both employment and tenant screening customers. Comparable to NCR across background check product scope, customer types, and FCRA-governed delivery, with greater scale and brand recognition.
• Yardi Resident Screening: Yardi's embedded tenant screening offering tightly integrated with the Yardi property management suite. Comparable to NCR on product (credit, criminal, eviction) but differentiated by deep PMS-native distribution.

Broad incumbents

• Experian RentBureau / Connect: Experian's rental data exchange and screening products leverage the bureau's credit data. Comparable to NCR as a screening provider, and a data supplier to NCR — combining a competitor and upstream partner role.
• RealPage: Large property management software platform that offers resident screening as part of a broader multifamily technology stack. Overlaps with NCR on tenant screening but competes through bundled, platform-integrated distribution rather than as a pure-play CRA.

Others

• Plaid (income/identity verification): Data connectivity platform increasingly used by landlords and PropTech firms for income, employment, and identity verification. Adjacent to NCR's verification modules (employment verifications, SAFESCAN) — not a direct competitor today, but a potential disruptor for verification-centric screening workflows.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xtwitter.com/myFBIreport
• Facebookfacebook.com/My-FBI-Report-167014103369124

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

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 National Credit Reporting