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The Premium Report on Credit Bureaus contains information used by Marketing Departments in many of the Fortune 1,000 companies and beyond. The report helps identify industry changes, trends, key players, and growth opportunities.

Contents:
Current State of the Industry
Market Size
Market Forecast
Products and Services Breakdown
Financial Statements - Income Statement
Salary & Compensation Statistics
Key Companies
Public Company News
Largest Government Vendors

Current State of the Credit Bureaus Industry

This section provides answers to five fundamental and commonly-asked questions about the industry:

1. What is the total market size ($ millions)?
2. How much has the market grown or declined?
3. Are long term forecasts positive or negative?
4. How large is the average company?
5. How many companies are in the industry?

Market Size - Credit Bureaus

The total U.S. market size for the Credit Bureaus industry includes all companies, both public and private. In addition to total revenue, the table contains details on employees, companies, and average firm size.

Metrics	2004        2005        2006        2007        2008        2009
Market Size (Total Industry Sales)		Available Included with Instant Access Order at top of page
Total Firms
Total Locations (Headquarters and Branches)
Total Employees
Average Revenue Per Firm
Average Employees Per Firm

Source: Analysis of US Census data, updated June 8 2010

Charts and graphs can be copied to Microsoft Word and Powerpoint presentations.

Market Forecast - Credit Bureaus

Market forecasts show the long term outlook for the Credit Bureaus industry. The following five-year forecast utilizes advanced econometric techniques that take into account both short-term and long-term industry trends.

Forecast	2009	2010	2011	2012	2013	2014
Revenue ($ billion)	AVAILABLE

Source: AnythingResearch.com Economic Analysis

Product & Services Breakdown

The following products and services account for the largest source of revenues in the Credit Bureaus industry. Note that there are multiple levels of classification, so some line items are contained within other lines.

Product Description	Number of Companies	Sales ($ millions)	Percent of Total Sales
Industry Total	AVAILABLE
Credit Rating Services	AVAILABLE
Individual Credit Rating Services	AVAILABLE
Commercial Credit Rating Services	AVAILABLE
All Other Operating Receipts	AVAILABLE

Income Statement (Average Financial Metrics) - Credit Bureaus

Financial metrics provide a snapshot view of an "average" company in the Credit Bureaus industry. Key business metrics show revenue and operating costs. The data collected is industry-wide, covering both public and private companies in the industry.

	Industry Average	Percent of Sales
Total Revenue	AVAILABLE Included in Report Order at top of page
Operating Revenue
Cost of Goods Sold
Gross Profit
Operating Expenses
Pension, profit sharing plans, stock, annuity
Repairs
Rent paid on business property
Charitable Contributions
Depletion
Domestic production activities deduction
Advertising
Compensation of officers
Salaries and wages
Employee benefit programs
Taxes and Licenses
Bad Debts
Depreciation
Amortization
Other Operating Expenses
Total Operating Expenses
Operating Income
Non-Operating Income
EBIT (Earnings Before Interest and Taxes)
Interest Expense
Earnings Before Taxes
Income Tax
Net Profit

Source: Analysis of U.S. federal statistics

Financial Ratio Analysis - Credit Bureaus

Financial ratios can be used to compare how a company in the Credit Bureaus industry is performing relative to its peers. Financial ratios are calculated from the industry-average for income statements and balance sheets.

Liquidity Ratios - Credit Bureaus Industry	Industry Average
Liquidity Ratios measure how liquid a business is. Bankers and suppliers may use these to determine creditworthiness and identify potential threats to a company's financial viability.
Current Ratio Measures a firm's ability to pay its debts over the next 12 months.	Included
Quick Ratio (Acid Test) Calculates liquid assets relative to liabilities, excluding inventories.	Included

Efficiency Ratios - Credit Bureaus Industry	Industry Average
Efficiency Ratios measure how quickly products and services sell, and effectively collections policies are implemented.
Receivables Turnover Ratio If this number is low compared to the industry average, it may mean your payment terms are too lenient or that you are not doing a good enough job on collections.	Included
Average Collection Period Based on the Receivables Turnover Ratio, this estimates the collection period in days. Calculated as 365 divided by the Receivables Turnover Ratio	Included
Inventory Turnover Ratio A low turnover rate may point to overstocking, obsolescence, or deficiencies in the product line or marketing effort.	Included
Fixed-Asset Turnover Ratio Generally, a higher ratio is better, since it indicates the business has less money tied up in fixed assets for each dollar of sales revenue.	Included

Geographic Distribution

The concentration of employees by states indicates how the industry (companies and workforce) is distributed throughout the country.

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Move mouse over states to see employment numbers
Note: Round numbers are estimates. Precise numbers are actuals.

Source: US Census

Compensation & Salary Surveys for Employees Working in Credit Bureaus

Compensation statistics provides an accurate assessment of jobs in the Credit Bureaus industry and national salary averages. This information can be used to asses which positions are most common, and high, low, and average annual wages.

Title	Percent of Workforce	Bottom Quartile	Average (Median) Salary	Upper Quartile
Management occupations	4%	AVAILABLE Included in Report Order at top of page
Chief executives	0%
General and operations managers	2%
Sales and related occupations	24%
Telemarketers	18%
Office and administrative support occupations	58%
Bill and account collectors	13%
Customer service representatives	22%

Source: Bureau of Labor Statistics

Companies in Credit Bureaus and Adjacent Industries

Company	Address	Key Contact
AVAILABLE	AVAILABLE	AVAILABLE

Public Credit Bureaus Company News

Web scan for recent news about publicly traded companies in the Credit Bureaus industry.

Government Contracts Related to Credit Bureaus

In 2008, the federal government spent a total of $25,402,663 on Credit Bureaus. It has awarded 170 contracts to 17 companies, with an average value of $1,494,274 per company.   

Top government vendors:

Company	Federal Contracts	Total Award Amount
AVAILABLE	AVAILABLE	AVAILABLE

The Industry Report on Credit Bureaus contains the key pieces of information used by strategy and management consultants to identify market trends and accurately measure growth and industry performance.

Contents:
Current State of the Industry
Market Size
Financial Statements - Income Statement
Salary & Compensation Statistics
Key Companies
Public Company News

Current State of the Credit Bureaus Industry

This section provides answers to five fundamental and commonly-asked questions about the industry:

1. What is the total market size ($ millions)?
2. How much has the market grown or declined?
3. Are long term forecasts positive or negative?
4. How large is the average company?
5. How many companies are in the industry?

Market Size - Credit Bureaus

The total U.S. market size for the Credit Bureaus industry includes all companies, both public and private. In addition to total revenue, the table contains details on employees, companies, and average firm size.

Metrics	2004        2005        2006        2007        2008        2009
Market Size (Total Industry Sales)		Available Included with Instant Access Order at top of page
Total Firms
Total Locations (Headquarters and Branches)
Total Employees
Average Revenue Per Firm
Average Employees Per Firm

Source: Analysis of US Census data, updated June 8 2010

Charts and graphs can be copied to Microsoft Word and Powerpoint presentations.

Income Statement (Average Financial Metrics) - Credit Bureaus

Financial metrics provide a snapshot view of an "average" company in the Credit Bureaus industry. Key business metrics show revenue and operating costs. The data collected is industry-wide, covering both public and private companies in the industry.

	Industry Average	Percent of Sales
Total Revenue	AVAILABLE Included in Report Order at top of page
Operating Revenue
Cost of Goods Sold
Gross Profit
Operating Expenses
Pension, profit sharing plans, stock, annuity
Repairs
Rent paid on business property
Charitable Contributions
Depletion
Domestic production activities deduction
Advertising
Compensation of officers
Salaries and wages
Employee benefit programs
Taxes and Licenses
Bad Debts
Depreciation
Amortization
Other Operating Expenses
Total Operating Expenses
Operating Income
Non-Operating Income
EBIT (Earnings Before Interest and Taxes)
Interest Expense
Earnings Before Taxes
Income Tax
Net Profit

Source: Analysis of U.S. federal statistics

Financial Ratio Analysis - Credit Bureaus

Financial ratios can be used to compare how a company in the Credit Bureaus industry is performing relative to its peers. Financial ratios are calculated from the industry-average for income statements and balance sheets.

Liquidity Ratios - Credit Bureaus Industry	Industry Average
Liquidity Ratios measure how liquid a business is. Bankers and suppliers may use these to determine creditworthiness and identify potential threats to a company's financial viability.
Current Ratio Measures a firm's ability to pay its debts over the next 12 months.	Included
Quick Ratio (Acid Test) Calculates liquid assets relative to liabilities, excluding inventories.	Included

Efficiency Ratios - Credit Bureaus Industry	Industry Average
Efficiency Ratios measure how quickly products and services sell, and effectively collections policies are implemented.
Receivables Turnover Ratio If this number is low compared to the industry average, it may mean your payment terms are too lenient or that you are not doing a good enough job on collections.	Included
Average Collection Period Based on the Receivables Turnover Ratio, this estimates the collection period in days. Calculated as 365 divided by the Receivables Turnover Ratio	Included
Inventory Turnover Ratio A low turnover rate may point to overstocking, obsolescence, or deficiencies in the product line or marketing effort.	Included
Fixed-Asset Turnover Ratio Generally, a higher ratio is better, since it indicates the business has less money tied up in fixed assets for each dollar of sales revenue.	Included

Compensation & Salary Surveys for Employees Working in Credit Bureaus

Compensation statistics provides an accurate assessment of jobs in the Credit Bureaus industry and national salary averages. This information can be used to asses which positions are most common, and high, low, and average annual wages.

Title	Percent of Workforce	Bottom Quartile	Average (Median) Salary	Upper Quartile
Management occupations	4%	AVAILABLE Included in Report Order at top of page
Chief executives	0%
General and operations managers	2%
Sales and related occupations	24%
Telemarketers	18%
Office and administrative support occupations	58%
Bill and account collectors	13%
Customer service representatives	22%

Source: Bureau of Labor Statistics

Companies in Credit Bureaus and Adjacent Industries

Company	Address	Key Contact
AVAILABLE	AVAILABLE	AVAILABLE

Public Credit Bureaus Company News

Web scan for recent news about publicly traded companies in the Credit Bureaus industry.

• Side effects of multiple credit cards: Credit card companies come up with tempting card offers for investors, albeit now more cautiously after the financial markets turmoil, by offering freebies such as life-time free credit, among other things.
• Rebuild Credit after Bankruptcy: An innovative new company has a fresh approach to helping people re-establish credit. Credilife�, Inc. (http://www.Credilife.com) has created the First-Aid Financial Kit, which was specifically designed to allow individuals to bounce back fast after bankruptcy. (PRWeb Jun 17, 2010) Read the full story at http://www.prweb.com/releases/badcreditcreditcards ...
• Rebuild Credit after Bankruptcy: An innovative new company has a fresh approach to helping people re-establish credit. Credilife�, Inc. has created the First-Aid Financial Kit, which was specifically designed to allow individuals to bounce back fast after bankruptcy.
• Not there yet on credit scores: By MICHELLE SINGLETARY The Washington Post Why in the world would Congress provide some consumers free access to credit scores, but not others? This could happen under an amendment that allows free access to people whose credit scores were used to deny them credit or a job. As significant as this is, what about the rest of us?
• Your Credit Score Matters to Your New Biz: Tips for understanding and repairing a poor credit rating.
• Changes to credit reporting take effect July 1: If you find errors on your credit report, you have the right to dispute them, and a new set of rules impacting the dispute process will go into effect July 1. Here's what you need to know.
• Credit Score Urban Legends Debunked: RISMEDIA, June 16, 2010When I get married, do my spouse and I get a joint credit score? If I get a raise at work, will my credit score go up? These are common questions asked every day by many Americans
• Changes to credit reporting take effect July 1: Everyone who has borrowed and repaid a loan, credit card account or other debt has a credit history. These credit histories are reported on credit reports, which are managed by the credit bureaus.
• Credit Score Urban Legends - Debunked: SAN FRANCISCO, CA--(Marketwire - June 15, 2010) - The following is a statement from Ken Lin, CEO of Credit Karma: When I get married, do my spouse and I get a joint credit score? If I get a raise at work, will my credit score go up? These are common questions asked every day by many Americans because credit scores are seemingly arbitrary numbers and credit reports are lengthy and unintelligible ...
• Credit Score Urban Legends - Debunked: The following is a statement from Ken Lin, CEO of Credit Karma: When I get married, do my spouse and I get a joint credit score? If I get a raise at work, will my credit score go up? These are common questions asked every day by many Americans because credit scores are seemingly arbitrary numbers and credit reports are lengthy and unintelligible. It's often difficult to separate fact from ...
• Ambler Gazette Police Briefs: May 5: Ambler
• Tips on lowering that credit score: Q: I have some dings on my credit report. What is the best way to improve those, and my credit score?
• Lawmakers object to credit checks on potential hires: Does having bad credit make you a bad worker?
• Fixing Your Financing Problems Before Buying a Miami Real Estate Property: The road to buying a home is often fraught with a number of problems, especially those that deal with financing. Money woes are common with homebuying. However, you can certainly anticipate this problem by making sure its covered beforehand.
• Credit Ombud does unhappy consumers a power of good: The powers of Manie van Schalkwyk, the Credit Ombud, were extended at the beginning of this year, and his office should be your first port of call if you have a complaint against a credit provider or credit bureau.

Markets Related to Credit Bureaus