Who takes credit data, and what each gives back

4 of 14 organisations whose pages we read say they pay the holder for its data, read 27 October 2026.

4 of 14 organisations Pay the holder for credit or company data counting the organisations whose own pages were read, 27 Oct 2026

5 of 14 How it takes credit data: pools members' data and gives the pool back to contributors the leading answer of 4

7 of 14 Kind of credit data named: company data in general, credit not named the leading answer of 6

11 of 14 The data it asks for, in its words: stated organisations stating it in their own pages (quoted below)

8 of 14 How a holder gets in: stated organisations stating it in their own pages (quoted below)

7 of 14 What it says on privacy or identity: stated organisations stating it in their own pages (quoted below)

16 Pages reviewed 18 named; each answer carries its date and a hash

What the holder gets back

not stated4 organisations
payment, licence fees or a revenue share4 organisations
pooled loss, default or payment benchmarks3 organisations
listings and enquiries from buyers2 organisations
access to credit data on other firms' customers1 organisation

Counts over 14 organisations, a single answer each, with "varies" where a organisation's pages do not agree.

Counts

Row	Value
not stated	4 organisations
payment, licence fees or a revenue share	4 organisations
pooled loss, default or payment benchmarks	3 organisations
listings and enquiries from buyers	2 organisations
access to credit data on other firms' customers	1 organisation

How it takes credit data

pools members' data and gives the pool back to contributors5 organisations
runs a marketplace where holders list and sell data4 organisations
pays or licenses the businesses that hold the data3 organisations
takes repayment data as a credit bureau builds its files2 organisations

14 organisations, each counted once.

Counts

Row	Value
pools members' data and gives the pool back to contributors	5 organisations
runs a marketplace where holders list and sell data	4 organisations
pays or licenses the businesses that hold the data	3 organisations
takes repayment data as a credit bureau builds its files	2 organisations

Kind of credit data named

company data in general, credit not named7 organisations
business credit or trade payment accounts2 organisations
defaults, losses and recoveries2 organisations
both consumer and business credit accounts1 organisation
consumer credit accounts1 organisation
varies1 organisation

14 organisations, each counted once.

Counts

Row	Value
company data in general, credit not named	7 organisations
business credit or trade payment accounts	2 organisations
defaults, losses and recoveries	2 organisations
both consumer and business credit accounts	1 organisation
consumer credit accounts	1 organisation
varies	1 organisation

The data it asks for, in its words

stated11 organisations
not stated3 organisations

14 organisations, each counted once.

Counts

Row	Value
stated	11 organisations
not stated	3 organisations

How a holder gets in

stated8 organisations
not stated6 organisations

14 organisations, each counted once.

Counts

Row	Value
stated	8 organisations
not stated	6 organisations

What it says on privacy or identity

not stated7 organisations
stated7 organisations

14 organisations, each counted once.

Counts

Row	Value
not stated	7 organisations
stated	7 organisations

The full board, one organisation per row

One organisation to a row. Expand an answer for its source sentence, word for word, plus the page and the read date; "not stated" means that page does not cover the question.

Organisation	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
Datarade	runs a marketplace where holders list and sell data Datarade connects data providers with qualified data buyers. Datarade, apply to become a data provider	listings and enquiries from buyers Receive buyer inquiries and manage opportunities from the Datarade Provider Studio. Datarade, apply to become a data provider	company data in general, credit not named Publish data products, connect with qualified buyers, and manage every opportunity through the Datarade Provider Studio. Datarade, apply to become a data provider	not stated Not addressed in Datarade, apply to become a data provider	Apply to join the Datarade Provider Studio, get approved by our team, and start… Apply to join the Datarade Provider Studio, get approved by our team, and start publishing data products to reach qualified buyers worldwide. Datarade, apply to become a data provider	Create and manage your data catalog, and publish robust, SEO and GEO-optimized listings… Create and manage your data catalog, and publish robust, SEO and GEO-optimized listings across multiple channels. Your data stays with you. Datarade, apply to become a data provider
Defined.ai	runs a marketplace where holders list and sell data With over a decade running the world’s largest AI data marketplace Defined.ai, partnership programs	payment, licence fees or a revenue share Licensing fees from data marketplace sales Defined.ai, partnership programs	company data in general, credit not named Audio, video, image, text or multimodal data Defined.ai, partnership programs	Through your business operations (customer interactions, stock information, shipping… Through your business operations (customer interactions, stock information, shipping routes etc.) you generate data (sales, marketing, logistics etc.). Defined.ai, partnership programs	Meet our requirements and you’ll get an expedited path to onboarding. Meet our requirements and you’ll get an expedited path to onboarding. Defined.ai, partnership programs	Assessment of your licensing rights as well as legal, compliance and cybersecurity checks Assessment of your licensing rights as well as legal, compliance and cybersecurity checks Defined.ai, partnership programs
Dun & Bradstreet	pools members' data and gives the pool back to contributors 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. D&B Global Trade Exchange Program	pooled loss, default or payment benchmarks Access insights into how your customers pay you and receive industry data and benchmarking metrics with D&B Payment Performance Insights (PPI). D&B Global Trade Exchange Program	business credit or trade payment accounts The D&B Global Trade Exchange Program is the world’s largest commercial trade data network D&B Global Trade Exchange Program	enabling thousands of businesses worldwide to share their Accounts Receivable (A/R) data… enabling thousands of businesses worldwide to share their Accounts Receivable (A/R) data with each other. D&B Global Trade Exchange Program	You don’t need to be a D&B customer to join, and your participation won’t impact your… 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. D&B Global Trade Exchange Program	We keep their identities strictly secret unless they would like to disclose their… We keep their identities strictly secret unless they would like to disclose their participation. D&B Global Trade Exchange Program
Equifax	takes repayment data as a credit bureau builds its files In order to report your consumer account data to Equifax, you must meet the following minimum requirements: Furnishing consumer data to Equifax Contribute commercial data to the Commercial Financial Network for better decision making Furnishing commercial data to Equifax	not stated Not addressed in Furnishing consumer data to Equifax Not addressed in Furnishing commercial data to Equifax	varies by document The information contained in the Consumer Credit File is critical to thousands of decisions made every day. Furnishing consumer data to Equifax The information contained in the (CFN) Commercial Financial Network exchange is critical to thousands of decisions made every day. Furnishing commercial data to Equifax	The entire portfolio must be reported every month (e.g., all current, delinquent and… The entire portfolio must be reported every month (e.g., all current, delinquent and charged-off accounts). Furnishing consumer data to Equifax The entire file should be reported (e.g., all current, delinquent, collections, charged-off accounts) Furnishing commercial data to Equifax	Thank you for your interest in becoming an Equifax data contributor. Thank you for your interest in becoming an Equifax data contributor. Furnishing consumer data to Equifax Furnishers must be assigned an Equifax Member Number to confirm the data furnisher has successfully passed the Equifax credentialing process. Furnishing commercial data to Equifax	not stated Not addressed in Furnishing consumer data to Equifax Not addressed in Furnishing commercial data to Equifax
Experian	pools members' data and gives the pool back to contributors CAIS is a membership driven data sharing network that collects and distributes credit data on both Consumer and Commercial accounts Experian UK, CAIS	access to credit data on other firms' customers In return, you get access to the equivalent data from over 400 banks, lenders, insurers and utility and telecoms companies Experian UK, CAIS	both consumer and business credit accounts Access information on the UK's active credit population by reporting Consumer and Commercial credit data to Experian Experian UK, CAIS	As a CAIS member, you contribute data on all your customers’ credit accounts and account… As a CAIS member, you contribute data on all your customers’ credit accounts and account behaviour from the last six years Experian UK, CAIS	Get in touch to find out how CAIS can help your business Get in touch to find out how CAIS can help your business Experian UK, CAIS	not stated Not addressed in Experian UK, CAIS
Global Credit Data	pools members' data and gives the pool back to contributors Provides risk insights directly from anonymized internal data of member banks and promotes knowledge sharing within the financial industry. Global Credit Data, home page Global Credit Data offers a mature structure for LGD/EAD pooling, which the member banks can and do adopt in their internal databases. Global Credit Data, LGD and EAD platform	pooled loss, default or payment benchmarks Global Credit Data (GCD) is the premier global source for benchmarking defaults, losses, and recoveries on commercial loans. Global Credit Data, home page Peer benchmark the LGD estimates underlying your pricing models with loss rates from a global and diverse dataset Global Credit Data, LGD and EAD platform	defaults, losses and recoveries The long time series of historical credit losses allow banks to model loans’ recovery processes. Global Credit Data, home page GCD is collecting data related to credit failures (default) dating back to the early 1980’s Global Credit Data, LGD and EAD platform	GCD provides also credit rankings and obligor internal rating transition data for all key… GCD provides also credit rankings and obligor internal rating transition data for all key bank portfolios. Global Credit Data, home page The LGD and EAD parameters are most demanding in terms of multiple and precise data on the obligor, the loan and surrounding circumstances. Global Credit Data, LGD and EAD platform	not stated Not addressed in Global Credit Data, home page Not addressed in Global Credit Data, LGD and EAD platform	not stated Not addressed in Global Credit Data, home page Not addressed in Global Credit Data, LGD and EAD platform
License My Data	pays or licenses the businesses that hold the data Depending on the buyer, that is a non-exclusive licence you can place again and again, or a one-time exclusive buyout. License My Data, home page	payment, licence fees or a revenue share your material stays available, so it can be placed with several buyers and you are paid on each. License My Data, home page	company data in general, credit not named The major AI companies are licensing ordinary workflow data: correspondence, customer and support history, project records, finance and operations, production code License My Data, home page	The major AI companies are licensing ordinary workflow data: correspondence, customer and… The major AI companies are licensing ordinary workflow data: correspondence, customer and support history, project records, finance and operations, production code License My Data, home page	not stated Not addressed in License My Data, home page	Health, government ID, financial account, credential and biometric data are scoped out at… Health, government ID, financial account, credential and biometric data are scoped out at intake and scanned for across the whole dataset. License My Data, home page
Monda	runs a marketplace where holders list and sell data Launch your own data marketplace with self-serve data discovery, checkout, and delivery Monda, home page	listings and enquiries from buyers Monda's data monetization solution speeds up your go-to-market and helps you to reach more buyers and increase data revenue. Monda, home page	company data in general, credit not named Turn your data into governed, ready-to-share products Monda, home page	not stated Not addressed in Monda, home page	not stated Not addressed in Monda, home page	not stated Not addressed in Monda, home page
Moody's	pools members' data and gives the pool back to contributors the Data Alliance database incorporates contributed data from over 125 member financial institutions across 25 markets Moody's, Data Alliance	pooled loss, default or payment benchmarks in exchange for sharing this data, Data Alliance member institutions receive data validation and qualitative assessments, industry benchmark analytics and consensus estimates Moody's, Data Alliance	defaults, losses and recoveries The contributions from member institutions encompass private firm data, and facility- and obligor-level default data based on Basel definitions. Moody's, Data Alliance	collectively offering more than 100 million financial statements representing 20 million… collectively offering more than 100 million financial statements representing 20 million private firms globally, including data on over 2.9 million defaults Moody's, Data Alliance	not stated Not addressed in Moody's, Data Alliance	The data is cleaned, standardised, anonymised and validated against 200 business rules The data is cleaned, standardised, anonymised and validated against 200 business rules Moody's, Data Alliance
Nyne.ai	pays or licenses the businesses that hold the data We partner with you to license your company's data. Nyne.ai, data partnerships	payment, licence fees or a revenue share Once your dataset is delivered and accepted, you receive payment as outlined in your partnership agreement. Nyne.ai, data partnerships	company data in general, credit not named Nyne turns your de-identified operational workflows into frontier-grade training data Nyne.ai, data partnerships	File contents plus their metadata, authorship, timestamps, and access permissions. File contents plus their metadata, authorship, timestamps, and access permissions. Nyne.ai, data partnerships	Book an intro call to get started. Book an intro call to get started. Nyne.ai, data partnerships	All personally identifiable information, passwords, financial records, etc. are stripped… All personally identifiable information, passwords, financial records, etc. are stripped out so they can't be traced back to individuals or accounts. Nyne.ai, data partnerships
Opendatabay	runs a marketplace where holders list and sell data Buy, sell, or exchange AI-ready data in 3 simple steps Opendatabay, licensed data marketplace	not stated Not addressed in Opendatabay, licensed data marketplace	company data in general, credit not named Find commercially licensed datasets for AI training and LLM fine-tuning Opendatabay, licensed data marketplace	not stated Not addressed in Opendatabay, licensed data marketplace	not stated Not addressed in Opendatabay, licensed data marketplace	not stated Not addressed in Opendatabay, licensed data marketplace
Small Business Financial Exchange	pools members' data and gives the pool back to contributors SBFE is a closed "give to get" data exchange SBFE, home page	not stated Not addressed in SBFE, home page	business credit or trade payment accounts We are a central repository for aggregating credit payment performance data SBFE, home page	SBFE provides data it receives from small business lenders to major credit reporting… SBFE provides data it receives from small business lenders to major credit reporting bureaus for inclusion in risk management products SBFE, home page	Request Membership Information Request Membership Information SBFE, home page	not stated Not addressed in SBFE, home page
TransUnion	takes repayment data as a credit bureau builds its files Without data furnishers sending timely and accurate account updates to TransUnion, there is no credit report. TransUnion data reporting	not stated Not addressed in TransUnion data reporting	consumer credit accounts This credit information is based on the billions of updates we receive each month from auto dealers and finance companies, banks, credit unions, mortgage companies, retailers, student loan providers, public records and more TransUnion data reporting	At the core of the process are the Metro 2® Reporting Guidelines. At the core of the process are the Metro 2® Reporting Guidelines. TransUnion data reporting	not stated Not addressed in TransUnion data reporting	not stated Not addressed in TransUnion data reporting
Troveo	pays or licenses the businesses that hold the data Troveo matches you with them, anonymizes your data to a documented standard, and licenses it on terms you approve Troveo, business data	payment, licence fees or a revenue share paying you on every sale, not just the first. Troveo, business data	company data in general, credit not named AI labs and startups are actively paying six figures for company data exports. Troveo, business data	Contents plus the metadata: authorship, versions, timestamps Contents plus the metadata: authorship, versions, timestamps Troveo, business data	No OAuth into your systems. No platform to install. No OAuth into your systems. No platform to install. Troveo, business data	People's names, contact details, credentials, and client identities are scrubbed under… People's names, contact details, credentials, and client identities are scrubbed under one documented standard before your data is put to work. Troveo, business data

The source sentence behind every answer (96)

Datarade, Datarade, apply to become a data provider, read 2026-10-08, How it takes credit data: Datarade connects data providers with qualified data buyers.
Datarade, Datarade, apply to become a data provider, read 2026-10-08, What the holder gets back: Receive buyer inquiries and manage opportunities from the Datarade Provider Studio.
Datarade, Datarade, apply to become a data provider, read 2026-10-08, Kind of credit data named: Publish data products, connect with qualified buyers, and manage every opportunity through the Datarade Provider Studio.
Datarade, Datarade, apply to become a data provider, read 2026-10-08, The data it asks for, in its words: No answer on the page, which ran to 42,259 characters when read on 2026-10-08.
Datarade, Datarade, apply to become a data provider, read 2026-10-08, How a holder gets in: Apply to join the Datarade Provider Studio, get approved by our team, and start publishing data products to reach qualified buyers worldwide.
Datarade, Datarade, apply to become a data provider, read 2026-10-08, What it says on privacy or identity: Create and manage your data catalog, and publish robust, SEO and GEO-optimized listings across multiple channels. Your data stays with you.
Defined.ai, Defined.ai, partnership programs, read 2026-10-27, How it takes credit data: With over a decade running the world’s largest AI data marketplace
Defined.ai, Defined.ai, partnership programs, read 2026-10-27, What the holder gets back: Licensing fees from data marketplace sales
Defined.ai, Defined.ai, partnership programs, read 2026-10-27, Kind of credit data named: Audio, video, image, text or multimodal data
Defined.ai, Defined.ai, partnership programs, read 2026-10-27, The data it asks for, in its words: Through your business operations (customer interactions, stock information, shipping routes etc.) you generate data (sales, marketing, logistics etc.).
Defined.ai, Defined.ai, partnership programs, read 2026-10-27, How a holder gets in: Meet our requirements and you’ll get an expedited path to onboarding.
Defined.ai, Defined.ai, partnership programs, read 2026-10-27, What it says on privacy or identity: Assessment of your licensing rights as well as legal, compliance and cybersecurity checks
Dun & Bradstreet, D&B Global Trade Exchange Program, read 2026-10-27, How it takes credit data: 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.
Dun & Bradstreet, D&B Global Trade Exchange Program, read 2026-10-27, What the holder gets back: Access insights into how your customers pay you and receive industry data and benchmarking metrics with D&B Payment Performance Insights (PPI).
Dun & Bradstreet, D&B Global Trade Exchange Program, read 2026-10-27, Kind of credit data named: The D&B Global Trade Exchange Program is the world’s largest commercial trade data network
Dun & Bradstreet, D&B Global Trade Exchange Program, read 2026-10-27, The data it asks for, in its words: enabling thousands of businesses worldwide to share their Accounts Receivable (A/R) data with each other.
Dun & Bradstreet, D&B Global Trade Exchange Program, read 2026-10-27, How a holder gets in: 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.
Dun & Bradstreet, D&B Global Trade Exchange Program, read 2026-10-27, What it says on privacy or identity: We keep their identities strictly secret unless they would like to disclose their participation.
Equifax, Furnishing commercial data to Equifax, read 2026-10-27, How it takes credit data: Contribute commercial data to the Commercial Financial Network for better decision making
Equifax, Furnishing commercial data to Equifax, read 2026-10-27, What the holder gets back: No answer on the page, which ran to 4,958 characters when read on 2026-10-27.
Equifax, Furnishing commercial data to Equifax, read 2026-10-27, Kind of credit data named: The information contained in the (CFN) Commercial Financial Network exchange is critical to thousands of decisions made every day.
Equifax, Furnishing commercial data to Equifax, read 2026-10-27, The data it asks for, in its words: The entire file should be reported (e.g., all current, delinquent, collections, charged-off accounts)
Equifax, Furnishing commercial data to Equifax, read 2026-10-27, How a holder gets in: Furnishers must be assigned an Equifax Member Number to confirm the data furnisher has successfully passed the Equifax credentialing process.
Equifax, Furnishing commercial data to Equifax, read 2026-10-27, What it says on privacy or identity: No answer on the page, which ran to 4,958 characters when read on 2026-10-27.
Equifax, Furnishing consumer data to Equifax, read 2026-10-27, How it takes credit data: In order to report your consumer account data to Equifax, you must meet the following minimum requirements:
Equifax, Furnishing consumer data to Equifax, read 2026-10-27, What the holder gets back: No answer on the page, which ran to 4,279 characters when read on 2026-10-27.
Equifax, Furnishing consumer data to Equifax, read 2026-10-27, Kind of credit data named: The information contained in the Consumer Credit File is critical to thousands of decisions made every day.
Equifax, Furnishing consumer data to Equifax, read 2026-10-27, The data it asks for, in its words: The entire portfolio must be reported every month (e.g., all current, delinquent and charged-off accounts).
Equifax, Furnishing consumer data to Equifax, read 2026-10-27, How a holder gets in: Thank you for your interest in becoming an Equifax data contributor.
Equifax, Furnishing consumer data to Equifax, read 2026-10-27, What it says on privacy or identity: No answer on the page, which ran to 4,279 characters when read on 2026-10-27.
Experian, Experian UK, CAIS, read 2026-10-27, How it takes credit data: CAIS is a membership driven data sharing network that collects and distributes credit data on both Consumer and Commercial accounts
Experian, Experian UK, CAIS, read 2026-10-27, What the holder gets back: In return, you get access to the equivalent data from over 400 banks, lenders, insurers and utility and telecoms companies
Experian, Experian UK, CAIS, read 2026-10-27, Kind of credit data named: Access information on the UK's active credit population by reporting Consumer and Commercial credit data to Experian
Experian, Experian UK, CAIS, read 2026-10-27, The data it asks for, in its words: As a CAIS member, you contribute data on all your customers’ credit accounts and account behaviour from the last six years
Experian, Experian UK, CAIS, read 2026-10-27, How a holder gets in: Get in touch to find out how CAIS can help your business
Experian, Experian UK, CAIS, read 2026-10-27, What it says on privacy or identity: No answer on the page, which ran to 5,444 characters when read on 2026-10-27.
Global Credit Data, Global Credit Data, home page, read 2026-10-27, How it takes credit data: Provides risk insights directly from anonymized internal data of member banks and promotes knowledge sharing within the financial industry.
Global Credit Data, Global Credit Data, home page, read 2026-10-27, What the holder gets back: Global Credit Data (GCD) is the premier global source for benchmarking defaults, losses, and recoveries on commercial loans.
Global Credit Data, Global Credit Data, home page, read 2026-10-27, Kind of credit data named: The long time series of historical credit losses allow banks to model loans’ recovery processes.
Global Credit Data, Global Credit Data, home page, read 2026-10-27, The data it asks for, in its words: GCD provides also credit rankings and obligor internal rating transition data for all key bank portfolios.
Global Credit Data, Global Credit Data, home page, read 2026-10-27, How a holder gets in: No answer on the page, which ran to 6,437 characters when read on 2026-10-27.
Global Credit Data, Global Credit Data, home page, read 2026-10-27, What it says on privacy or identity: No answer on the page, which ran to 6,437 characters when read on 2026-10-27.
Global Credit Data, Global Credit Data, LGD and EAD platform, read 2026-10-27, How it takes credit data: Global Credit Data offers a mature structure for LGD/EAD pooling, which the member banks can and do adopt in their internal databases.
Global Credit Data, Global Credit Data, LGD and EAD platform, read 2026-10-27, What the holder gets back: Peer benchmark the LGD estimates underlying your pricing models with loss rates from a global and diverse dataset
Global Credit Data, Global Credit Data, LGD and EAD platform, read 2026-10-27, Kind of credit data named: GCD is collecting data related to credit failures (default) dating back to the early 1980’s
Global Credit Data, Global Credit Data, LGD and EAD platform, read 2026-10-27, The data it asks for, in its words: The LGD and EAD parameters are most demanding in terms of multiple and precise data on the obligor, the loan and surrounding circumstances.
Global Credit Data, Global Credit Data, LGD and EAD platform, read 2026-10-27, How a holder gets in: No answer on the page, which ran to 2,229 characters when read on 2026-10-27.
Global Credit Data, Global Credit Data, LGD and EAD platform, read 2026-10-27, What it says on privacy or identity: No answer on the page, which ran to 2,229 characters when read on 2026-10-27.
License My Data, License My Data, home page, read 2026-10-08, How it takes credit data: Depending on the buyer, that is a non-exclusive licence you can place again and again, or a one-time exclusive buyout.
License My Data, License My Data, home page, read 2026-10-08, What the holder gets back: your material stays available, so it can be placed with several buyers and you are paid on each.
License My Data, License My Data, home page, read 2026-10-08, Kind of credit data named: The major AI companies are licensing ordinary workflow data: correspondence, customer and support history, project records, finance and operations, production code
License My Data, License My Data, home page, read 2026-10-08, The data it asks for, in its words: The major AI companies are licensing ordinary workflow data: correspondence, customer and support history, project records, finance and operations, production code
License My Data, License My Data, home page, read 2026-10-08, How a holder gets in: No answer on the page, which ran to 17,219 characters when read on 2026-10-08.
License My Data, License My Data, home page, read 2026-10-08, What it says on privacy or identity: Health, government ID, financial account, credential and biometric data are scoped out at intake and scanned for across the whole dataset.
Monda, Monda, home page, read 2026-10-27, How it takes credit data: Launch your own data marketplace with self-serve data discovery, checkout, and delivery
Monda, Monda, home page, read 2026-10-27, What the holder gets back: Monda's data monetization solution speeds up your go-to-market and helps you to reach more buyers and increase data revenue.
Monda, Monda, home page, read 2026-10-27, Kind of credit data named: Turn your data into governed, ready-to-share products
Monda, Monda, home page, read 2026-10-27, The data it asks for, in its words: No answer on the page, which ran to 4,941 characters when read on 2026-10-27.
Monda, Monda, home page, read 2026-10-27, How a holder gets in: No answer on the page, which ran to 4,941 characters when read on 2026-10-27.
Monda, Monda, home page, read 2026-10-27, What it says on privacy or identity: No answer on the page, which ran to 4,941 characters when read on 2026-10-27.
Moody's, Moody's, Data Alliance, read 2026-10-27, How it takes credit data: the Data Alliance database incorporates contributed data from over 125 member financial institutions across 25 markets
Moody's, Moody's, Data Alliance, read 2026-10-27, What the holder gets back: in exchange for sharing this data, Data Alliance member institutions receive data validation and qualitative assessments, industry benchmark analytics and consensus estimates
Moody's, Moody's, Data Alliance, read 2026-10-27, Kind of credit data named: The contributions from member institutions encompass private firm data, and facility- and obligor-level default data based on Basel definitions.
Moody's, Moody's, Data Alliance, read 2026-10-27, The data it asks for, in its words: collectively offering more than 100 million financial statements representing 20 million private firms globally, including data on over 2.9 million defaults
Moody's, Moody's, Data Alliance, read 2026-10-27, How a holder gets in: No answer on the page, which ran to 9,133 characters when read on 2026-10-27.
Moody's, Moody's, Data Alliance, read 2026-10-27, What it says on privacy or identity: The data is cleaned, standardised, anonymised and validated against 200 business rules
Nyne.ai, Nyne.ai, data partnerships, read 2026-10-08, How it takes credit data: We partner with you to license your company's data.
Nyne.ai, Nyne.ai, data partnerships, read 2026-10-08, What the holder gets back: Once your dataset is delivered and accepted, you receive payment as outlined in your partnership agreement.
Nyne.ai, Nyne.ai, data partnerships, read 2026-10-08, Kind of credit data named: Nyne turns your de-identified operational workflows into frontier-grade training data
Nyne.ai, Nyne.ai, data partnerships, read 2026-10-08, The data it asks for, in its words: File contents plus their metadata, authorship, timestamps, and access permissions.
Nyne.ai, Nyne.ai, data partnerships, read 2026-10-08, How a holder gets in: Book an intro call to get started.
Nyne.ai, Nyne.ai, data partnerships, read 2026-10-08, What it says on privacy or identity: All personally identifiable information, passwords, financial records, etc. are stripped out so they can't be traced back to individuals or accounts.
Opendatabay, Opendatabay, licensed data marketplace, read 2026-10-08, How it takes credit data: Buy, sell, or exchange AI-ready data in 3 simple steps
Opendatabay, Opendatabay, licensed data marketplace, read 2026-10-08, What the holder gets back: No answer on the page, which ran to 10,788 characters when read on 2026-10-08.
Opendatabay, Opendatabay, licensed data marketplace, read 2026-10-08, Kind of credit data named: Find commercially licensed datasets for AI training and LLM fine-tuning
Opendatabay, Opendatabay, licensed data marketplace, read 2026-10-08, The data it asks for, in its words: No answer on the page, which ran to 10,788 characters when read on 2026-10-08.
Opendatabay, Opendatabay, licensed data marketplace, read 2026-10-08, How a holder gets in: No answer on the page, which ran to 10,788 characters when read on 2026-10-08.
Opendatabay, Opendatabay, licensed data marketplace, read 2026-10-08, What it says on privacy or identity: No answer on the page, which ran to 10,788 characters when read on 2026-10-08.
Small Business Financial Exchange, SBFE, home page, read 2026-10-27, How it takes credit data: SBFE is a closed "give to get" data exchange
Small Business Financial Exchange, SBFE, home page, read 2026-10-27, What the holder gets back: No answer on the page, which ran to 1,370 characters when read on 2026-10-27.
Small Business Financial Exchange, SBFE, home page, read 2026-10-27, Kind of credit data named: We are a central repository for aggregating credit payment performance data
Small Business Financial Exchange, SBFE, home page, read 2026-10-27, The data it asks for, in its words: SBFE provides data it receives from small business lenders to major credit reporting bureaus for inclusion in risk management products
Small Business Financial Exchange, SBFE, home page, read 2026-10-27, How a holder gets in: Request Membership Information
Small Business Financial Exchange, SBFE, home page, read 2026-10-27, What it says on privacy or identity: No answer on the page, which ran to 1,370 characters when read on 2026-10-27.
TransUnion, TransUnion data reporting, read 2026-10-27, How it takes credit data: Without data furnishers sending timely and accurate account updates to TransUnion, there is no credit report.
TransUnion, TransUnion data reporting, read 2026-10-27, What the holder gets back: No answer on the page, which ran to 2,137 characters when read on 2026-10-27.
TransUnion, TransUnion data reporting, read 2026-10-27, Kind of credit data named: This credit information is based on the billions of updates we receive each month from auto dealers and finance companies, banks, credit unions, mortgage companies, retailers, student loan providers, public records and more
TransUnion, TransUnion data reporting, read 2026-10-27, The data it asks for, in its words: At the core of the process are the Metro 2® Reporting Guidelines.
TransUnion, TransUnion data reporting, read 2026-10-27, How a holder gets in: No answer on the page, which ran to 2,137 characters when read on 2026-10-27.
TransUnion, TransUnion data reporting, read 2026-10-27, What it says on privacy or identity: No answer on the page, which ran to 2,137 characters when read on 2026-10-27.
Troveo, Troveo, business data, read 2026-10-08, How it takes credit data: Troveo matches you with them, anonymizes your data to a documented standard, and licenses it on terms you approve
Troveo, Troveo, business data, read 2026-10-08, What the holder gets back: paying you on every sale, not just the first.
Troveo, Troveo, business data, read 2026-10-08, Kind of credit data named: AI labs and startups are actively paying six figures for company data exports.
Troveo, Troveo, business data, read 2026-10-08, The data it asks for, in its words: Contents plus the metadata: authorship, versions, timestamps
Troveo, Troveo, business data, read 2026-10-08, How a holder gets in: No OAuth into your systems. No platform to install.
Troveo, Troveo, business data, read 2026-10-08, What it says on privacy or identity: People's names, contact details, credentials, and client identities are scrubbed under one documented standard before your data is put to work.

Read and excluded

2 named documents were read but are not the kind of document this board answers from; see why below. They are counted and never answered.

NCTUE, home page: NCTUE's website read as temporarily unavailable; the page carries consumer contact options and nothing about contributing data
dv01, home page: 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

How the figures are worked out

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.

Where we looked (18)

Equifax, furnishing consumer data (from the publisher's own data contribution, membership and partner pages; reproduced for comment)
Equifax, furnishing commercial data (from the publisher's own data contribution, membership and partner pages; reproduced for comment)
TransUnion, data reporting (from the publisher's own data contribution, membership and partner pages; reproduced for comment)
Experian UK, CAIS (from the publisher's own data contribution, membership and partner pages; reproduced for comment)
Dun & Bradstreet, Global Trade Exchange (from the publisher's own data contribution, membership and partner pages; reproduced for comment)
Global Credit Data, home page (from the publisher's own data contribution, membership and partner pages; reproduced for comment)
Global Credit Data, LGD and EAD platform (from the publisher's own data contribution, membership and partner pages; reproduced for comment)
Small Business Financial Exchange, home page (from the publisher's own data contribution, membership and partner pages; reproduced for comment)
NCTUE, home page (read, set aside)
Moody's, Data Alliance (navigating credit risk with better data) (from the publisher's own data contribution, membership and partner pages; reproduced for comment)
dv01, home page (read, set aside)
Datarade, apply to become a data provider (from the publisher's own data contribution, membership and partner pages; reproduced for comment)
Monda, home page (from the publisher's own data contribution, membership and partner pages; reproduced for comment)
Nyne.ai, data partnerships (from the publisher's own data contribution, membership and partner pages; reproduced for comment)
Troveo, business data (from the publisher's own data contribution, membership and partner pages; reproduced for comment)
Defined.ai, partnership programs (from the publisher's own data contribution, membership and partner pages; reproduced for comment)
Opendatabay, licensed data marketplace (from the publisher's own data contribution, membership and partner pages; reproduced for comment)
License My Data, home page (from the publisher's own data contribution, membership and partner pages; reproduced for comment)

Use this figure

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).

Reference: "Who takes credit data, and what each gives back", updated 2026-10-27, https://sellcreditdatatoai.com/datasets/credit-data-buyers/.

Put this figure on your page (HTML only)

4 of 14 organisations whose pages we read say they pay the holder for its data, read 27 October 2026.

Who takes credit data, and what each gives back, sellcreditdatatoai.com

<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>

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Download as CSV (96 answers, worked out 2026-10-27)

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