{
 "name": "Who takes credit data, and what each gives back",
 "title": "Who takes credit data, and what each gives back",
 "kind": "terms-board",
 "url": "https://sellcreditdatatoai.com/datasets/credit-data-buyers/",
 "csv": "https://sellcreditdatatoai.com/datasets/credit-data-buyers.csv",
 "markdown": "https://sellcreditdatatoai.com/datasets/credit-data-buyers/index.md",
 "computed_at": "2026-10-27",
 "license": "https://sellcreditdatatoai.com/terms",
 "headline": "4 of 14 organisations whose pages we read say they pay the holder for its data, read 27 October 2026.",
 "quotes": [
  "4 of 14 organisations whose pages we read say they pay the holder for its data, read 27 October 2026.",
  "How it takes credit data, by organisation: pools members' data and gives the pool back to contributors 5 of 14, runs a marketplace where holders list and sell data 4 of 14, pays or licenses the businesses that hold the data 3 of 14, takes repayment data as a credit bureau builds its files 2 of 14 (14 organisations, read 27 October 2026).",
  "What the holder gets back, by organisation: not stated 4 of 14, payment, licence fees or a revenue share 4 of 14, pooled loss, default or payment benchmarks 3 of 14, listings and enquiries from buyers 2 of 14, access to credit data on other firms' customers 1 of 14 (14 organisations, read 27 October 2026).",
  "Kind of credit data named, by organisation: company data in general, credit not named 7 of 14, business credit or trade payment accounts 2 of 14, defaults, losses and recoveries 2 of 14, both consumer and business credit accounts 1 of 14, consumer credit accounts 1 of 14, varies 1 of 14 (14 organisations, read 27 October 2026).",
  "The data it asks for, in its words, by organisation: stated 11 of 14, not stated 3 of 14 (14 organisations, read 27 October 2026).",
  "How a holder gets in, by organisation: stated 8 of 14, not stated 6 of 14 (14 organisations, read 27 October 2026).",
  "What it says on privacy or identity, by organisation: not stated 7 of 14, stated 7 of 14 (14 organisations, read 27 October 2026)."
 ],
 "citation": "\"Who takes credit data, and what each gives back\", updated 2026-10-27, https://sellcreditdatatoai.com/datasets/credit-data-buyers/.",
 "national": {
  "n": 14,
  "unit": "organisations",
  "documents": 16,
  "published_sources": 14,
  "named_sources": 18
 },
 "board": {
  "type": "clauses",
  "noun": {
   "one": "organisation",
   "many": "organisations"
  },
  "document": {
   "one": "page",
   "many": "pages"
  },
  "fields": [
   {
    "id": "route",
    "label": "How it takes credit data",
    "counts": {
     "marketplace": 4,
     "give-to-get": 5,
     "furnisher": 2,
     "licenses-from-owners": 3
    },
    "values": [
     {
      "value": "furnisher",
      "text": "takes repayment data as a credit bureau builds its files"
     },
     {
      "value": "give-to-get",
      "text": "pools members' data and gives the pool back to contributors"
     },
     {
      "value": "licenses-from-owners",
      "text": "pays or licenses the businesses that hold the data"
     },
     {
      "value": "marketplace",
      "text": "runs a marketplace where holders list and sell data"
     }
    ]
   },
   {
    "id": "gives_back",
    "label": "What the holder gets back",
    "counts": {
     "buyer-access": 2,
     "payment": 4,
     "benchmarks": 3,
     "not-stated": 4,
     "credit-reports": 1
    },
    "values": [
     {
      "value": "credit-reports",
      "text": "access to credit data on other firms' customers"
     },
     {
      "value": "benchmarks",
      "text": "pooled loss, default or payment benchmarks"
     },
     {
      "value": "payment",
      "text": "payment, licence fees or a revenue share"
     },
     {
      "value": "buyer-access",
      "text": "listings and enquiries from buyers"
     }
    ]
   },
   {
    "id": "data_kind",
    "label": "Kind of credit data named",
    "counts": {
     "not-credit": 7,
     "commercial-credit": 2,
     "varies": 1,
     "consumer-and-commercial": 1,
     "loss-and-default": 2,
     "consumer-credit": 1
    },
    "values": [
     {
      "value": "consumer-credit",
      "text": "consumer credit accounts"
     },
     {
      "value": "commercial-credit",
      "text": "business credit or trade payment accounts"
     },
     {
      "value": "consumer-and-commercial",
      "text": "both consumer and business credit accounts"
     },
     {
      "value": "loss-and-default",
      "text": "defaults, losses and recoveries"
     },
     {
      "value": "not-credit",
      "text": "company data in general, credit not named"
     }
    ]
   },
   {
    "id": "asks_for",
    "label": "The data it asks for, in its words",
    "counts": {
     "not-stated": 3,
     "stated": 11
    },
    "values": [
     {
      "value": "stated",
      "text": "stated"
     }
    ],
    "clause": true
   },
   {
    "id": "door",
    "label": "How a holder gets in",
    "counts": {
     "stated": 8,
     "not-stated": 6
    },
    "values": [
     {
      "value": "stated",
      "text": "stated"
     }
    ],
    "clause": true
   },
   {
    "id": "privacy",
    "label": "What it says on privacy or identity",
    "counts": {
     "stated": 7,
     "not-stated": 7
    },
    "values": [
     {
      "value": "stated",
      "text": "stated"
     }
    ],
    "clause": true
   }
  ],
  "lead": {
   "type": "share",
   "field": "gives_back",
   "value": "payment",
   "n": 4,
   "of": 14,
   "label": "Pay the holder for credit or company data"
  },
  "vendors": [
   {
    "name": "Datarade",
    "answers": {
     "route": {
      "value": "marketplace",
      "text": "runs a marketplace where holders list and sell data",
      "documents": [
       {
        "document": "Datarade, apply to become a data provider",
        "url": "https://providers.datarade.ai/apply",
        "value": "marketplace",
        "quote": "Datarade connects data providers with qualified data buyers."
       }
      ]
     },
     "gives_back": {
      "value": "buyer-access",
      "text": "listings and enquiries from buyers",
      "documents": [
       {
        "document": "Datarade, apply to become a data provider",
        "url": "https://providers.datarade.ai/apply",
        "value": "buyer-access",
        "quote": "Receive buyer inquiries and manage opportunities from the Datarade Provider Studio."
       }
      ]
     },
     "data_kind": {
      "value": "not-credit",
      "text": "company data in general, credit not named",
      "documents": [
       {
        "document": "Datarade, apply to become a data provider",
        "url": "https://providers.datarade.ai/apply",
        "value": "not-credit",
        "quote": "Publish data products, connect with qualified buyers, and manage every opportunity through the Datarade Provider Studio."
       }
      ]
     },
     "asks_for": {
      "value": "not-stated",
      "text": "not stated",
      "documents": [
       {
        "document": "Datarade, apply to become a data provider",
        "url": "https://providers.datarade.ai/apply",
        "value": "not-stated",
        "quote": ""
       }
      ]
     },
     "door": {
      "value": "stated",
      "text": "Apply to join the Datarade Provider Studio, get approved by our team, and start…",
      "documents": [
       {
        "document": "Datarade, apply to become a data provider",
        "url": "https://providers.datarade.ai/apply",
        "value": "stated",
        "quote": "Apply to join the Datarade Provider Studio, get approved by our team, and start publishing data products to reach qualified buyers worldwide."
       }
      ]
     },
     "privacy": {
      "value": "stated",
      "text": "Create and manage your data catalog, and publish robust, SEO and GEO-optimized listings…",
      "documents": [
       {
        "document": "Datarade, apply to become a data provider",
        "url": "https://providers.datarade.ai/apply",
        "value": "stated",
        "quote": "Create and manage your data catalog, and publish robust, SEO and GEO-optimized listings across multiple channels. Your data stays with you."
       }
      ]
     }
    }
   },
   {
    "name": "Defined.ai",
    "answers": {
     "route": {
      "value": "marketplace",
      "text": "runs a marketplace where holders list and sell data",
      "documents": [
       {
        "document": "Defined.ai, partnership programs",
        "url": "https://www.defined.ai/partnerships",
        "value": "marketplace",
        "quote": "With over a decade running the world’s largest AI data marketplace"
       }
      ]
     },
     "gives_back": {
      "value": "payment",
      "text": "payment, licence fees or a revenue share",
      "documents": [
       {
        "document": "Defined.ai, partnership programs",
        "url": "https://www.defined.ai/partnerships",
        "value": "payment",
        "quote": "Licensing fees from data marketplace sales"
       }
      ]
     },
     "data_kind": {
      "value": "not-credit",
      "text": "company data in general, credit not named",
      "documents": [
       {
        "document": "Defined.ai, partnership programs",
        "url": "https://www.defined.ai/partnerships",
        "value": "not-credit",
        "quote": "Audio, video, image, text or multimodal data"
       }
      ]
     },
     "asks_for": {
      "value": "stated",
      "text": "Through your business operations (customer interactions, stock information, shipping…",
      "documents": [
       {
        "document": "Defined.ai, partnership programs",
        "url": "https://www.defined.ai/partnerships",
        "value": "stated",
        "quote": "Through your business operations (customer interactions, stock information, shipping routes etc.) you generate data (sales, marketing, logistics etc.)."
       }
      ]
     },
     "door": {
      "value": "stated",
      "text": "Meet our requirements and you’ll get an expedited path to onboarding.",
      "documents": [
       {
        "document": "Defined.ai, partnership programs",
        "url": "https://www.defined.ai/partnerships",
        "value": "stated",
        "quote": "Meet our requirements and you’ll get an expedited path to onboarding."
       }
      ]
     },
     "privacy": {
      "value": "stated",
      "text": "Assessment of your licensing rights as well as legal, compliance and cybersecurity checks",
      "documents": [
       {
        "document": "Defined.ai, partnership programs",
        "url": "https://www.defined.ai/partnerships",
        "value": "stated",
        "quote": "Assessment of your licensing rights as well as legal, compliance and cybersecurity checks"
       }
      ]
     }
    }
   },
   {
    "name": "Dun & Bradstreet",
    "answers": {
     "route": {
      "value": "give-to-get",
      "text": "pools members' data and gives the pool back to contributors",
      "documents": [
       {
        "document": "D&B Global Trade Exchange Program",
        "url": "https://www.dnb.com/en-us/products/global-trade-exchange-program.html",
        "value": "give-to-get",
        "quote": "Sharing A/R data on the Global Trade Exchange Program enables participants to gain exclusive access to A/R management tools to leverage for collections."
       }
      ]
     },
     "gives_back": {
      "value": "benchmarks",
      "text": "pooled loss, default or payment benchmarks",
      "documents": [
       {
        "document": "D&B Global Trade Exchange Program",
        "url": "https://www.dnb.com/en-us/products/global-trade-exchange-program.html",
        "value": "benchmarks",
        "quote": "Access insights into how your customers pay you and receive industry data and benchmarking metrics with D&B Payment Performance Insights (PPI)."
       }
      ]
     },
     "data_kind": {
      "value": "commercial-credit",
      "text": "business credit or trade payment accounts",
      "documents": [
       {
        "document": "D&B Global Trade Exchange Program",
        "url": "https://www.dnb.com/en-us/products/global-trade-exchange-program.html",
        "value": "commercial-credit",
        "quote": "The D&B Global Trade Exchange Program is the world’s largest commercial trade data network"
       }
      ]
     },
     "asks_for": {
      "value": "stated",
      "text": "enabling thousands of businesses worldwide to share their Accounts Receivable (A/R) data…",
      "documents": [
       {
        "document": "D&B Global Trade Exchange Program",
        "url": "https://www.dnb.com/en-us/products/global-trade-exchange-program.html",
        "value": "stated",
        "quote": "enabling thousands of businesses worldwide to share their Accounts Receivable (A/R) data with each other."
       }
      ]
     },
     "door": {
      "value": "stated",
      "text": "You don’t need to be a D&B customer to join, and your participation won’t impact your…",
      "documents": [
       {
        "document": "D&B Global Trade Exchange Program",
        "url": "https://www.dnb.com/en-us/products/global-trade-exchange-program.html",
        "value": "stated",
        "quote": "You don’t need to be a D&B customer to join, and your participation won’t impact your existing D&B agreements in any way."
       }
      ]
     },
     "privacy": {
      "value": "stated",
      "text": "We keep their identities strictly secret unless they would like to disclose their…",
      "documents": [
       {
        "document": "D&B Global Trade Exchange Program",
        "url": "https://www.dnb.com/en-us/products/global-trade-exchange-program.html",
        "value": "stated",
        "quote": "We keep their identities strictly secret unless they would like to disclose their participation."
       }
      ]
     }
    }
   },
   {
    "name": "Equifax",
    "answers": {
     "route": {
      "value": "furnisher",
      "text": "takes repayment data as a credit bureau builds its files",
      "documents": [
       {
        "document": "Furnishing consumer data to Equifax",
        "url": "https://www.equifax.com/business/data-furnishers/consumer/",
        "value": "furnisher",
        "quote": "In order to report your consumer account data to Equifax, you must meet the following minimum requirements:"
       },
       {
        "document": "Furnishing commercial data to Equifax",
        "url": "https://www.equifax.com/business/data-furnishers/commercial/",
        "value": "furnisher",
        "quote": "Contribute commercial data to the Commercial Financial Network for better decision making"
       }
      ]
     },
     "gives_back": {
      "value": "not-stated",
      "text": "not stated",
      "documents": [
       {
        "document": "Furnishing consumer data to Equifax",
        "url": "https://www.equifax.com/business/data-furnishers/consumer/",
        "value": "not-stated",
        "quote": ""
       },
       {
        "document": "Furnishing commercial data to Equifax",
        "url": "https://www.equifax.com/business/data-furnishers/commercial/",
        "value": "not-stated",
        "quote": ""
       }
      ]
     },
     "data_kind": {
      "value": "varies",
      "text": "varies by document",
      "documents": [
       {
        "document": "Furnishing consumer data to Equifax",
        "url": "https://www.equifax.com/business/data-furnishers/consumer/",
        "value": "consumer-credit",
        "quote": "The information contained in the Consumer Credit File is critical to thousands of decisions made every day."
       },
       {
        "document": "Furnishing commercial data to Equifax",
        "url": "https://www.equifax.com/business/data-furnishers/commercial/",
        "value": "commercial-credit",
        "quote": "The information contained in the (CFN) Commercial Financial Network exchange is critical to thousands of decisions made every day."
       }
      ]
     },
     "asks_for": {
      "value": "stated",
      "text": "The entire portfolio must be reported every month (e.g., all current, delinquent and…",
      "documents": [
       {
        "document": "Furnishing consumer data to Equifax",
        "url": "https://www.equifax.com/business/data-furnishers/consumer/",
        "value": "stated",
        "quote": "The entire portfolio must be reported every month (e.g., all current, delinquent and charged-off accounts)."
       },
       {
        "document": "Furnishing commercial data to Equifax",
        "url": "https://www.equifax.com/business/data-furnishers/commercial/",
        "value": "stated",
        "quote": "The entire file should be reported (e.g., all current, delinquent, collections, charged-off accounts)"
       }
      ]
     },
     "door": {
      "value": "stated",
      "text": "Thank you for your interest in becoming an Equifax data contributor.",
      "documents": [
       {
        "document": "Furnishing consumer data to Equifax",
        "url": "https://www.equifax.com/business/data-furnishers/consumer/",
        "value": "stated",
        "quote": "Thank you for your interest in becoming an Equifax data contributor."
       },
       {
        "document": "Furnishing commercial data to Equifax",
        "url": "https://www.equifax.com/business/data-furnishers/commercial/",
        "value": "stated",
        "quote": "Furnishers must be assigned an Equifax Member Number to confirm the data furnisher has successfully passed the Equifax credentialing process."
       }
      ]
     },
     "privacy": {
      "value": "not-stated",
      "text": "not stated",
      "documents": [
       {
        "document": "Furnishing consumer data to Equifax",
        "url": "https://www.equifax.com/business/data-furnishers/consumer/",
        "value": "not-stated",
        "quote": ""
       },
       {
        "document": "Furnishing commercial data to Equifax",
        "url": "https://www.equifax.com/business/data-furnishers/commercial/",
        "value": "not-stated",
        "quote": ""
       }
      ]
     }
    }
   },
   {
    "name": "Experian",
    "answers": {
     "route": {
      "value": "give-to-get",
      "text": "pools members' data and gives the pool back to contributors",
      "documents": [
       {
        "document": "Experian UK, CAIS",
        "url": "https://www.experian.co.uk/business-products/experian-cais/",
        "value": "give-to-get",
        "quote": "CAIS is a membership driven data sharing network that collects and distributes credit data on both Consumer and Commercial accounts"
       }
      ]
     },
     "gives_back": {
      "value": "credit-reports",
      "text": "access to credit data on other firms' customers",
      "documents": [
       {
        "document": "Experian UK, CAIS",
        "url": "https://www.experian.co.uk/business-products/experian-cais/",
        "value": "credit-reports",
        "quote": "In return, you get access to the equivalent data from over 400 banks, lenders, insurers and utility and telecoms companies"
       }
      ]
     },
     "data_kind": {
      "value": "consumer-and-commercial",
      "text": "both consumer and business credit accounts",
      "documents": [
       {
        "document": "Experian UK, CAIS",
        "url": "https://www.experian.co.uk/business-products/experian-cais/",
        "value": "consumer-and-commercial",
        "quote": "Access information on the UK's active credit population by reporting Consumer and Commercial credit data to Experian"
       }
      ]
     },
     "asks_for": {
      "value": "stated",
      "text": "As a CAIS member, you contribute data on all your customers’ credit accounts and account…",
      "documents": [
       {
        "document": "Experian UK, CAIS",
        "url": "https://www.experian.co.uk/business-products/experian-cais/",
        "value": "stated",
        "quote": "As a CAIS member, you contribute data on all your customers’ credit accounts and account behaviour from the last six years"
       }
      ]
     },
     "door": {
      "value": "stated",
      "text": "Get in touch to find out how CAIS can help your business",
      "documents": [
       {
        "document": "Experian UK, CAIS",
        "url": "https://www.experian.co.uk/business-products/experian-cais/",
        "value": "stated",
        "quote": "Get in touch to find out how CAIS can help your business"
       }
      ]
     },
     "privacy": {
      "value": "not-stated",
      "text": "not stated",
      "documents": [
       {
        "document": "Experian UK, CAIS",
        "url": "https://www.experian.co.uk/business-products/experian-cais/",
        "value": "not-stated",
        "quote": ""
       }
      ]
     }
    }
   },
   {
    "name": "Global Credit Data",
    "answers": {
     "route": {
      "value": "give-to-get",
      "text": "pools members' data and gives the pool back to contributors",
      "documents": [
       {
        "document": "Global Credit Data, home page",
        "url": "https://globalcreditdata.org/",
        "value": "give-to-get",
        "quote": "Provides risk insights directly from anonymized internal data of member banks and promotes knowledge sharing within the financial industry."
       },
       {
        "document": "Global Credit Data, LGD and EAD platform",
        "url": "https://globalcreditdata.org/data-pools/loan-loss-database/",
        "value": "give-to-get",
        "quote": "Global Credit Data offers a mature structure for LGD/EAD pooling, which the member banks can and do adopt in their internal databases."
       }
      ]
     },
     "gives_back": {
      "value": "benchmarks",
      "text": "pooled loss, default or payment benchmarks",
      "documents": [
       {
        "document": "Global Credit Data, home page",
        "url": "https://globalcreditdata.org/",
        "value": "benchmarks",
        "quote": "Global Credit Data (GCD) is the premier global source for benchmarking defaults, losses, and recoveries on commercial loans."
       },
       {
        "document": "Global Credit Data, LGD and EAD platform",
        "url": "https://globalcreditdata.org/data-pools/loan-loss-database/",
        "value": "benchmarks",
        "quote": "Peer benchmark the LGD estimates underlying your pricing models with loss rates from a global and diverse dataset"
       }
      ]
     },
     "data_kind": {
      "value": "loss-and-default",
      "text": "defaults, losses and recoveries",
      "documents": [
       {
        "document": "Global Credit Data, home page",
        "url": "https://globalcreditdata.org/",
        "value": "loss-and-default",
        "quote": "The long time series of historical credit losses allow banks to model loans’ recovery processes."
       },
       {
        "document": "Global Credit Data, LGD and EAD platform",
        "url": "https://globalcreditdata.org/data-pools/loan-loss-database/",
        "value": "loss-and-default",
        "quote": "GCD is collecting data related to credit failures (default) dating back to the early 1980’s"
       }
      ]
     },
     "asks_for": {
      "value": "stated",
      "text": "GCD provides also credit rankings and obligor internal rating transition data for all key…",
      "documents": [
       {
        "document": "Global Credit Data, home page",
        "url": "https://globalcreditdata.org/",
        "value": "stated",
        "quote": "GCD provides also credit rankings and obligor internal rating transition data for all key bank portfolios."
       },
       {
        "document": "Global Credit Data, LGD and EAD platform",
        "url": "https://globalcreditdata.org/data-pools/loan-loss-database/",
        "value": "stated",
        "quote": "The LGD and EAD parameters are most demanding in terms of multiple and precise data on the obligor, the loan and surrounding circumstances."
       }
      ]
     },
     "door": {
      "value": "not-stated",
      "text": "not stated",
      "documents": [
       {
        "document": "Global Credit Data, home page",
        "url": "https://globalcreditdata.org/",
        "value": "not-stated",
        "quote": ""
       },
       {
        "document": "Global Credit Data, LGD and EAD platform",
        "url": "https://globalcreditdata.org/data-pools/loan-loss-database/",
        "value": "not-stated",
        "quote": ""
       }
      ]
     },
     "privacy": {
      "value": "not-stated",
      "text": "not stated",
      "documents": [
       {
        "document": "Global Credit Data, home page",
        "url": "https://globalcreditdata.org/",
        "value": "not-stated",
        "quote": ""
       },
       {
        "document": "Global Credit Data, LGD and EAD platform",
        "url": "https://globalcreditdata.org/data-pools/loan-loss-database/",
        "value": "not-stated",
        "quote": ""
       }
      ]
     }
    }
   },
   {
    "name": "License My Data",
    "answers": {
     "route": {
      "value": "licenses-from-owners",
      "text": "pays or licenses the businesses that hold the data",
      "documents": [
       {
        "document": "License My Data, home page",
        "url": "https://licensemydata.com/",
        "value": "licenses-from-owners",
        "quote": "Depending on the buyer, that is a non-exclusive licence you can place again and again, or a one-time exclusive buyout."
       }
      ]
     },
     "gives_back": {
      "value": "payment",
      "text": "payment, licence fees or a revenue share",
      "documents": [
       {
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       }
      ]
     },
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        "quote": ""
       }
      ]
     },
     "privacy": {
      "value": "stated",
      "text": "Health, government ID, financial account, credential and biometric data are scoped out at…",
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       }
      ]
     }
    }
   },
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    "name": "Monda",
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       {
        "document": "Monda, home page",
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       }
      ]
     },
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        "quote": ""
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     "privacy": {
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      ]
     }
    }
   },
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    "name": "Nyne.ai",
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        "document": "Nyne.ai, data partnerships",
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      ]
     },
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     }
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      ]
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      ]
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      "documents": [
       {
        "document": "SBFE, home page",
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      ]
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      ]
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     },
     "privacy": {
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  {
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   "quote": "The information contained in the (CFN) Commercial Financial Network exchange is critical to thousands of decisions made every day.",
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  {
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  {
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  {
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   "quote": "No answer on the page, which ran to 4,958 characters when read on 2026-10-27.",
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  {
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   "quote": "No answer on the page, which ran to 4,279 characters when read on 2026-10-27.",
   "text_sha256": "44c714f18447e3cd33ec23e41a2c13d333ad6105f046a9771e9c3a83180407f3"
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  {
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  {
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   "quote": "The entire portfolio must be reported every month (e.g., all current, delinquent and charged-off accounts).",
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  {
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  {
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  {
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   "quote": "No answer on the page, which ran to 5,444 characters when read on 2026-10-27.",
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  {
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   "quote": "No answer on the page, which ran to 6,437 characters when read on 2026-10-27.",
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  {
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  {
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  {
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  {
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  {
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   "quote": "No answer on the page, which ran to 17,219 characters when read on 2026-10-08.",
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  {
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  {
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  {
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   "quote": "No answer on the page, which ran to 4,941 characters when read on 2026-10-27.",
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  {
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  {
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  {
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   "quote": "The contributions from member institutions encompass private firm data, and facility- and obligor-level default data based on Basel definitions.",
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  {
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  {
   "subject": "Moody's",
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  {
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  {
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  {
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  {
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  {
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   "document": "Troveo, business data",
   "question": "gives_back",
   "answer": "payment",
   "answer_text": "payment, licence fees or a revenue share",
   "status": "stated",
   "retrieved_at": "2026-10-08",
   "quote": "paying you on every sale, not just the first.",
   "text_sha256": "8973faae6635c35e53f55c53f3c16f53468b3ed50d7df18931fd3a2fb07438d7"
  },
  {
   "subject": "Troveo",
   "url": "https://www.troveo.ai/business-data",
   "document": "Troveo, business data",
   "question": "data_kind",
   "answer": "not-credit",
   "answer_text": "company data in general, credit not named",
   "status": "stated",
   "retrieved_at": "2026-10-08",
   "quote": "AI labs and startups are actively paying six figures for company data exports.",
   "text_sha256": "8973faae6635c35e53f55c53f3c16f53468b3ed50d7df18931fd3a2fb07438d7"
  },
  {
   "subject": "Troveo",
   "url": "https://www.troveo.ai/business-data",
   "document": "Troveo, business data",
   "question": "asks_for",
   "answer": "stated",
   "answer_text": "Contents plus the metadata: authorship, versions, timestamps",
   "status": "stated",
   "retrieved_at": "2026-10-08",
   "quote": "Contents plus the metadata: authorship, versions, timestamps",
   "text_sha256": "8973faae6635c35e53f55c53f3c16f53468b3ed50d7df18931fd3a2fb07438d7"
  },
  {
   "subject": "Troveo",
   "url": "https://www.troveo.ai/business-data",
   "document": "Troveo, business data",
   "question": "door",
   "answer": "stated",
   "answer_text": "No OAuth into your systems. No platform to install.",
   "status": "stated",
   "retrieved_at": "2026-10-08",
   "quote": "No OAuth into your systems. No platform to install.",
   "text_sha256": "8973faae6635c35e53f55c53f3c16f53468b3ed50d7df18931fd3a2fb07438d7"
  },
  {
   "subject": "Troveo",
   "url": "https://www.troveo.ai/business-data",
   "document": "Troveo, business data",
   "question": "privacy",
   "answer": "stated",
   "answer_text": "People's names, contact details, credentials, and client identities are scrubbed under…",
   "status": "stated",
   "retrieved_at": "2026-10-08",
   "quote": "People's names, contact details, credentials, and client identities are scrubbed under one documented standard before your data is put to work.",
   "text_sha256": "8973faae6635c35e53f55c53f3c16f53468b3ed50d7df18931fd3a2fb07438d7"
  }
 ],
 "sources": [
  {
   "url": "https://www.equifax.com/business/data-furnishers/consumer/",
   "label": "Equifax, furnishing consumer data",
   "license": "from the publisher's own data contribution, membership and partner pages; reproduced for comment",
   "class": "primary-provider-own-site",
   "status": "read"
  },
  {
   "url": "https://www.equifax.com/business/data-furnishers/commercial/",
   "label": "Equifax, furnishing commercial data",
   "license": "from the publisher's own data contribution, membership and partner pages; reproduced for comment",
   "class": "primary-provider-own-site",
   "status": "read"
  },
  {
   "url": "https://www.transunion.com/data-reporting",
   "label": "TransUnion, data reporting",
   "license": "from the publisher's own data contribution, membership and partner pages; reproduced for comment",
   "class": "primary-provider-own-site",
   "status": "read"
  },
  {
   "url": "https://www.experian.co.uk/business-products/experian-cais/",
   "label": "Experian UK, CAIS",
   "license": "from the publisher's own data contribution, membership and partner pages; reproduced for comment",
   "class": "primary-provider-own-site",
   "status": "read"
  },
  {
   "url": "https://www.dnb.com/en-us/products/global-trade-exchange-program.html",
   "label": "Dun & Bradstreet, Global Trade Exchange",
   "license": "from the publisher's own data contribution, membership and partner pages; reproduced for comment",
   "class": "primary-provider-own-site",
   "status": "read"
  },
  {
   "url": "https://globalcreditdata.org/",
   "label": "Global Credit Data, home page",
   "license": "from the publisher's own data contribution, membership and partner pages; reproduced for comment",
   "class": "primary-provider-own-site",
   "status": "read"
  },
  {
   "url": "https://globalcreditdata.org/data-pools/loan-loss-database/",
   "label": "Global Credit Data, LGD and EAD platform",
   "license": "from the publisher's own data contribution, membership and partner pages; reproduced for comment",
   "class": "primary-provider-own-site",
   "status": "read"
  },
  {
   "url": "https://www.sbfe.org/",
   "label": "Small Business Financial Exchange, home page",
   "license": "from the publisher's own data contribution, membership and partner pages; reproduced for comment",
   "class": "primary-provider-own-site",
   "status": "read"
  },
  {
   "url": "https://www.nctue.com/",
   "label": "NCTUE, home page",
   "license": "from the publisher's own data contribution, membership and partner pages; reproduced for comment",
   "class": "primary-provider-own-site",
   "status": "not-terms",
   "why": "NCTUE's website read as temporarily unavailable; the page carries consumer contact options and nothing about contributing data"
  },
  {
   "url": "https://www.moodys.com/web/en/us/insights/data/regulation-asia-navigating-private-credit-markets-risks-with-better-data.html",
   "label": "Moody's, Data Alliance (navigating credit risk with better data)",
   "license": "from the publisher's own data contribution, membership and partner pages; reproduced for comment",
   "class": "primary-provider-own-site",
   "status": "read"
  },
  {
   "url": "https://www.dv01.co/",
   "label": "dv01, home page",
   "license": "from the publisher's own data contribution, membership and partner pages; reproduced for comment",
   "class": "primary-provider-own-site",
   "status": "not-terms",
   "why": "dv01's home page describes a loan-data management and reporting platform for issuers and investors; it does not say it takes or pays for a holder's data"
  },
  {
   "url": "https://providers.datarade.ai/apply",
   "label": "Datarade, apply to become a data provider",
   "license": "from the publisher's own data contribution, membership and partner pages; reproduced for comment",
   "class": "primary-provider-own-site",
   "status": "read"
  },
  {
   "url": "https://monda.ai/",
   "label": "Monda, home page",
   "license": "from the publisher's own data contribution, membership and partner pages; reproduced for comment",
   "class": "primary-provider-own-site",
   "status": "read"
  },
  {
   "url": "https://nyne.ai/data-partnerships",
   "label": "Nyne.ai, data partnerships",
   "license": "from the publisher's own data contribution, membership and partner pages; reproduced for comment",
   "class": "primary-provider-own-site",
   "status": "read"
  },
  {
   "url": "https://www.troveo.ai/business-data",
   "label": "Troveo, business data",
   "license": "from the publisher's own data contribution, membership and partner pages; reproduced for comment",
   "class": "primary-provider-own-site",
   "status": "read"
  },
  {
   "url": "https://www.defined.ai/partnerships",
   "label": "Defined.ai, partnership programs",
   "license": "from the publisher's own data contribution, membership and partner pages; reproduced for comment",
   "class": "primary-provider-own-site",
   "status": "read"
  },
  {
   "url": "https://www.opendatabay.com/",
   "label": "Opendatabay, licensed data marketplace",
   "license": "from the publisher's own data contribution, membership and partner pages; reproduced for comment",
   "class": "primary-provider-own-site",
   "status": "read"
  },
  {
   "url": "https://licensemydata.com/",
   "label": "License My Data, home page",
   "license": "from the publisher's own data contribution, membership and partner pages; reproduced for comment",
   "class": "primary-provider-own-site",
   "status": "read"
  }
 ],
 "methodology": "Each organisation's own data contribution, membership and partner pages were read through estate-fetch and stored whole (sha256 on every row). For every page, six questions were answered from its own words: how it takes credit data, what the holder gets back, kind of credit data named, the data it asks for, in its words, how a holder gets in, what it says on privacy or identity. Every stated answer carries the sentence it rests on, checked against the stored text; 'not stated' means the page read does not address the question. A organisation with several pages reads 'varies' where they disagree. 14 organisations, 16 pages.",
 "embed": "<figure style=\"margin:0;padding:16px;border:1px solid #d0d0d0;background:#ffffff\"><blockquote style=\"margin:0 0 8px;background:#ffffff\">4 of 14 organisations whose pages we read say they pay the holder for its data, read 27 October 2026.</blockquote><figcaption style=\"background:#ffffff\"><a href=\"https://sellcreditdatatoai.com/datasets/credit-data-buyers/\" style=\"background:#ffffff\">Who takes credit data, and what each gives back, sellcreditdatatoai.com</a></figcaption></figure>"
}