Credit Bureau Contracts and Minimums

(888)-202-4025
Minimum 500 accounts for all industries with the exception of Credit Unions and Banks which have a 100 account minimum. State laws requiring Mortgage Company reporting, can report less than 500 accounts through The Service Bureau.

(800)-831-5614
No Account Minimum, however, a waiting period may apply for industries other than Banks, Credit Unions, FNMA or Freddie Mac. Contact Experian for further details of approval process.

(312)-258-1818
Minimum 100 accounts.

(614)-538-2123
Less than 100 accounts must be reported through The Service Bureau.

Notice: The above minimum number of accounts may vary. Please contact each repository you wish to report with and verify how many accounts they will accept for direct reporting or reporting through a processor. Each credit repository has their own policies for the minimum number of accounts to report. These policies may vary between regions and the type of business. The Service Bureau does not determine these policies.

Minimum reporting example:

The bureaus ask that you report your entire portfolio each month, therefore by reporting the minimum number of accounts required the first month, subsequent months will automatically meet that minimum.

In this example, the reporting bureau requires 500 accounts:

• First Months Reporting - 500 accounts (report your entire portfolio up to 6.5 years old)
• Second Month Reporting - 500 accounts (from the first month) + 50 new accounts totaling 550 accounts
• Third Month Reporting - 550 accounts + 35 new accounts totaling 585 accounts

Note: It is not required to have 500 new accounts each month.

For Collection Agencies, report your entire portfolio the first month. Subsequent months, report your entire portfolio or optionally, report only new accounts and updates.