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NAICS Code· 561450

NAICS 561450: Credit Bureaus

This industry comprises establishments primarily engaged in compiling information, such as credit and employment histories, and providing the information to financial institutions, retailers, and others who have a need to evaluate the creditworthiness of individuals and businesses. Illustrative Examples: Credit agencies Credit rating services Credit investigation services Credit reporting bureaus Show more

NAICS 561450 – Credit Bureaus encompasses the collection, maintenance, analysis, and dissemination of consumer and commercial credit information to support financial risk assessment and decision-making. This sector provides credit reporting, identity verification, fraud detection, and credit score generation services, often through proprietary algorithms and secure data repositories.

5
Active Contracts
$125.2M
Total Obligations (12mo)
155
Awarded Contracts (12mo)
17
Contractors Awarded (12mo)
1
Median Bidders per Award
-10.7%
YoY Growth

Industry Spending Overview

Federal obligations, top contractors and agencies, and related industry codes for NAICS 561450.

AI Industry Description

NAICS 561450 – Credit Bureaus encompasses the collection, maintenance, analysis, and dissemination of consumer and commercial credit information to support financial risk assessment and decision-making. This sector provides credit reporting, identity verification, fraud detection, and credit score g...

NAICS 561450 – Credit Bureaus encompasses the collection, maintenance, analysis, and dissemination of consumer and commercial credit information to support financial risk assessment and decision-making. This sector provides credit reporting, identity verification, fraud detection, and credit score generation services, often through proprietary algorithms and secure data repositories. In government contracting, these services support agencies engaged in financial eligibility determinations, background investigations, loan program administration, and personnel vetting for security clearances. Credit bureaus play a critical role in ensuring the integrity of federal programs that rely on financial trustworthiness, such as housing assistance, small business loans, and public benefit eligibility systems. No contractor data is available for this NAICS code, indicating limited visibility into active federal contractors within this category. Typically, firms operating in this space include large credit reporting agencies with established compliance frameworks, as well as specialized small businesses offering niche services like alternative credit scoring or data aggregation for underbanked populations. The competitive landscape is dominated by firms with robust data governance, FICO scoring expertise, and adherence to FCRA and GLBA regulatory standards. No agency data is available, but agencies likely to procure these services include the Department of Housing and Urban Development, the Small Business Administration, the Department of Veterans Affairs, and the Office of Personnel Management, particularly for programs involving financial screening, loan guarantees, or personnel suitability determinations. The market context for this NAICS code remains underdeveloped in federal procurement data, suggesting limited formal contracting activity compared to adjacent IT or financial services sectors. Opportunities may exist for contractors with proven compliance capabilities, secure data handling protocols, and experience integrating credit data systems with federal workflows. Emerging demand for alternative credit data and real-time verification tools could expand the sector’s footprint in government contracting.

Small Business Size Standard

The SBA threshold that decides who can bid NAICS 561450 work as a small business.

$41.0M
Applies to the whole industry code

The SBA cap for this NAICS (13 CFR 121.201). A business at or under it can self-certify as small for work in this code, which is what makes it eligible for a small-business set-aside. The cap is set per NAICS, so the same company can be small in one code and not in another.

13 CFR 121.201, effective January 1, 2026. The SBA revises the table roughly once a year.

Top Contractors

Companies with the highest total award value under NAICS 561450, ranked by dollars won.

Competition

How many companies historically bid on federal awards in NAICS 561450, from bidder counts reported on USAspending.

Usually Single-Bid

Half or more of reported awards drew exactly one bidder, usually a sign of incumbent-held work rather than an open field. · 4,376 reported awards

Median Bidders

1

Per reported award, all-time

Single-Bid Awards

75%

Share of reported awards with one bidder

10+ Bidder Awards

2%

Share of reported awards with 10+ bidders

Reported Awards

0

82% of 5,309 total awards

Bidder Count Distribution by Fiscal Year

Share of reported awards in each bidder-count bracket per federal fiscal year.

How this code compares up the NAICS hierarchy. Parent cohorts pool every code under their prefix, so they are the steadier baseline when a 6-digit sample is thin.

Industry FamilyCompetitionMedian BiddersSingle-BidBidder MixReported Awards
561450This Code
Credit Bureaus
Usually Single-Bid175%
4,37682% of 5,309
56145NAICS Industry
Usually Single-Bid175%
4,37682% of 5,309
5614Industry Group
Business Support Services
Usually Single-Bid157%
106,43386% of 123,883
561Subsector
Fewer Bidders248%
847,72079% of 1,066,351
56Sector
Administrative and Support and Waste Management and Remediation Services
Fewer Bidders245%
1,121,39177% of 1,461,546

Bidder counts reported on past federal awards in this NAICS (USAspending). An open opportunity has no bidders yet, so this is the historical norm for similar work, not a fact about this solicitation. Not all awards report bidder counts, and fewer bidders often means incumbent-held work rather than an easier win. Federal reporting of bidder counts fell from ~96% of awards (FY2016) to ~30% (FY2018 onward); the chart shows shares of reported awards, and washed-out stretches mark years with fewer than 30 of them.

Related NAICS Codes

Industries similar to Credit Bureaus, by shared sector, subsector, and industry group.

Explore contracts across multiple NAICS codes Browse all NAICS Codes

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NAICS 561450 FAQ

Frequently Asked Questions

NAICS code 561450 covers Credit Bureaus. This industry comprises establishments primarily engaged in compiling information, such as credit and employment histories, and providing the information to financial institutions, retailers, and others who have a need to evaluate the creditworthiness of individuals and businesses. Illustrative Examples: Credit agencies Credit rating services Credit investigation services Credit reporting bureaus

Recently Posted in Credit Bureaus

NAICS: 561450
Closed
Federal
Synthetic Businesses Pilot
Solicitation # 5000230947
The Internal Revenue Service is soliciting a total small business set-aside, firm-fixed-price purchase order for the Synthetic Businesses Pilot. The objective is to support the Return Integrity Verification Program Management Business Performance Lab in identifying fabricated entities, also known as synthetic businesses, to mitigate fraud related to the acquisition or reinstatement of Employer Identification Numbers for tax refund fraud and other illicit activities. The contractor will provide datasets, verification, fraud scoring, and analysis for up to 500,000 entities annually, with a surge capacity for an additional 500,000 entities. Deliverables must be provided in IRS-acceptable formats such as CSV, JSON, or XML. The contract structure consists of a 12-month base period followed by four 12-month option periods, with a potential final extension of up to six months. Award will be determined via a best value tradeoff process, prioritizing technical approach, expertise in synthetic business identification, and corporate past performance from the last three years. The contractor must adhere to strict security standards, including NIST SP 800-70, NIST SP 800-207 Zero Trust Architecture, and CISA Binding Operational Directives. Additionally, personnel must complete mandatory IRS Security Awareness Training and comply with the Taxpayer Browsing Protection Act of 1997. All invoicing must be processed electronically through the Invoice Processing Platform.
It Strategy And Modernization

POSTED

about 1 month ago

CLOSED

about 1 month ago
View Details

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