OneCreditSource.com

What OneCreditSource.com does

OneCreditSource.com is a privately held US credit reporting and screening agency headquartered in Tualatin, Oregon, founded in 2000 and operating with a headcount of 1-10. The company aggregates consumer and commercial credit data from all three major US bureaus (TransUnion, Equifax, and Experian) and combines it with national and local criminal records searches, national and local eviction searches, and public records access. Its service portfolio is delivered through a proprietary technology platform called DecisionCatalyst™, branded as a 'next-generation information technology platform' that unifies credit, background, tenant, and public records workflows for credit managers, hiring managers, property managers, and senior-level decision makers.

The underlying technology stack is an aggregation and workflow layer rather than a data origination layer: OneCreditSource.com resells bureau data and third-party criminal/eviction/public records sources and exposes them through a secure web portal (secure.onecreditsource.com) protected by 128-bit SSL encryption. No public API, SDK, or mobile application is offered, and the platform is positioned as an integrated portal experience with sales-assisted onboarding via a web inquiry form.

The business model is usage-based with six monthly volume tiers ranging from 1-5 reports up to 250+ reports, applied uniformly across credit, criminal, eviction, tenant, and public records products. The go-to-market is inside sales, with prospective clients selecting services and usage tiers on a web form and being contacted by a sales associate within one business day, while existing customers transact through the secure portal. The company targets a horizontal customer base spanning Fortune 500 enterprises to small businesses, though no named customers, revenue figures, certifications, or compliance credentials (e.g., FCRA, SOC 2) are disclosed in available sources.

Name

OneCreditSource.com

Legal name

OneCreditSource.com

Website

https://onecreditsource.com

Company type

Private

Founded year

2000

Operating status

Operating

Headcount range

1–10 employees

Short description

OneCreditSource.com is a US-based credit reporting agency that resells consumer and commercial credit reports from TransUnion, Equifax, and Experian alongside tenant, employment, and public records screening, delivered via its DecisionCatalyst™ platform to credit managers, hiring managers, and property managers.

Ownership category

akta.pro rank

Product category

Credit Reporting & 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

Credit Bureaus & Consumer Credit Reporting Agencies (FSAKAKAA)

Keywords

• Credit reporting services
• Tenant screening
• Employment screening
• Background check services
• Public records access

Headquarters

HQ city

Tualatin

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Credit Reporting Services: Access to consumer and commercial credit reports from TransUnion, Equifax, and Experian. Revenue is generated based on usage volume, with pricing tiers based on monthly report volumes ranging from 1-5 reports up to 250+ reports per month.
2. Background Screening Services: Criminal records searches (national and local), eviction searches (national and local), and employment screening services. Revenue generated per search based on monthly usage tiers.
3. Tenant Screening Services: Comprehensive tenant screening services including credit checks and eviction searches for property managers. Revenue based on per-report usage through the same monthly volume tiers.
4. Public Records Services: Access to public records information. Revenue generated on a per-inquiry usage basis through monthly volume tiers.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels2 records

Core offering

OneCreditSource.com operates as a credit reporting and screening agency that delivers consumer and commercial credit reports from TransUnion, Equifax, and Experian, alongside criminal records searches, eviction searches, public records, and comprehensive tenant and employment screening. Services are delivered through its proprietary DecisionCatalyst™ platform via a secure web portal, with inside-sales onboarding based on usage volume tiers.

Product overview

OneCreditSource.com is a credit-reporting agency offering a unified suite of information services delivered through its proprietary DecisionCatalyst™ technology platform. The product portfolio centers on credit reporting (consumer and commercial, sourced from TransUnion, Equifax, and Experian), supported by complementary screening modules including employee screening, tenant screening, criminal records searches (national and local), eviction searches (national and local), and public records access. These services serve credit managers, hiring managers, property managers, and senior-level decision makers, ranging from Fortune 500 enterprises to small businesses. DecisionCatalyst™ serves as the unifying technology layer across all product lines.

Differentiator

Problem solved

Functional benefit

Brands

• DecisionCatalyst™: Next-generation information technology platform that empowers credit managers, hiring managers, property managers and senior level decision makers to quickly make intelligent decisions.

Products and services

• Consumer & Commercial Credit Reporting

Segments6 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature2 records

Scale indicators2 records

Recent moves3 records

Expansion highlights3 records

Direct peers

• Checkr: Leading technology-enabled background check provider focused on employment screening. Directly comparable to OneCreditSource because both deliver criminal, eviction, and credit-adjacent reports through a web portal and compete for the same hiring-manager buyer persona.
• Experian Connect: Experian's small-business credit and screening portal offering direct bureau access. It competes with OneCreditSource by giving the same credit data without a reseller intermediary, particularly for SMB credit managers.
• Accurate Background: Mid-market focused background screening platform offering criminal, employment, and tenant screening. Closely competes with OneCreditSource for the same SMB to mid-market screening buyers with similar volume-tiered service models.
• Sterling (Sterling Talent Solutions): Established background screening and identity verification provider serving enterprise and mid-market HR teams. Competes with OneCreditSource's employment screening and tenant screening offerings with overlapping bureau-aggregated data products.
• TransUnion SmartMove: TransUnion's direct-to-landlord tenant screening product using the same credit data OneCreditSource resells. It is the closest single-product alternative to OneCreditSource's tenant screening module and represents the bureau's direct channel.
• Multi-Housing Credit Reporting (MHC): Niche tenant screening reseller serving property managers with credit, criminal, and eviction data. Highly comparable to OneCreditSource's property manager segment and screens via the same bureau relationships.

Broad incumbents

• CreditSafe: Global commercial credit bureau and aggregator offering business credit reports and monitoring. Comparable to OneCreditSource's commercial credit offering but with proprietary international data assets that give it a broader incumbent footprint.
• Equifax Business Credit & Screening Solutions: One of the three major credit bureaus that OneCreditSource resells from. Offers direct commercial credit, employment screening and identity verification products that overlap with OneCreditSource's portfolio at scale.

Regional players

• RealPage Screening (Resident Screening): Property technology suite with a tenant screening service targeted at US multifamily operators. Comparable to OneCreditSource for property manager customers, though bundled into RealPage's broader proptech platform rather than standalone.
• Yardi Screening Solutions: Embedded tenant screening module inside the dominant US property management software suite. Competes with OneCreditSource's property manager segment by offering screening integrated into the system of record rather than as a standalone portal.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

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 OneCreditSource.com