Credit Rating Data: Best Credit Rating Datasets & Database Sources

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Eugenio Caterino
Editor & Data Industry Expert

What is Credit Rating Data?

Credit rating data is data that provides intelligence on the financial capabilities of individuals or companies seeking credit facilities. It includes information on their previous performance when it comes to borrowing money, projected cashflows, and any other information that may give lenders insight on how feasible giving out the credit facility is. Examples of credit rating data include credit scores, credit reports, and credit ratings assigned to individuals or businesses by credit rating agencies.

Best Credit Rating Datasets & APIs

Starts at
$5,000 / year
Free sample preview

Opah Labs Consumer Credit Rating Data for Leasing Products | United States | 74M+ Records

Available for 1 countries
74M records
7 years of historical data
100% match rate
Available Pricing:
Yearly License
Pricing available upon request
10% Datarade discount
10% revenue share
4.9(2)
Starts at
$360,000 / year
Free sample preview
Pricing available upon request
5.0(1)

Versium REACH - B2C Consumer Address Enrichment, USA, CCPA Compliant

by Versium
Available for 1 countries
1B Emails
70% Over 70% Match Rate
Starts at
$300 / month
Free sample preview
revenue share
5.0(3)

McGRAW Debt and Consumer Spending Data┃Real Time & Aged Debt Leads┃273MM Records

by McGRAW
Available for 1 countries
50K Monthly New Records
12 months of historical data
95% Email Deliverability
Available Pricing:
One-off purchase
Monthly License
Yearly License
Free sample preview
4.8(1)

TagX - Synthetic Bank Statements Data | Savings account / Checking accounts / Business accounts | Global coverage

by TagX
Available for 249 countries
100K PDF statements
10 years of historical data
100% match rate
Starts at
$1,000 / purchase
4.9(2)
Starts at
$60,000 / year
Free sample preview
Pricing available upon request

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Credit Rating Data Use Cases

Credit Rating Data Explained

How is Credit Rating Data collected?

Both businesses and individuals have credit scores, which are statements of their financial positions. Credit rating data providers gather this data, combining it with a scoring algorithm. The final result is what is used as credit rating data. Statements of financial positions can be gathered from company registries, or public records for companies, and for individuals, they can be accessed through bank or book keeping data. Based on the information accrued, a scoring model is created, and it is this model that determines whether to approve a loan and what interest rate to charge, based on the borrower’s eligibility and financial ability.

What are the attributes of Credit Rating Data?

A typical credit rating dataset exists for the purpose of rating the creditworthiness or eligibility of an individual or business. Therefore, it would typically be comprised of information that describes the financial activities of the borrower. The level of detail depends on what sort of economic activity that the individual or company is involved in. In light of this, there are attributes of a credit rating dataset that are constant across all cases. They are: a history of the business or individual’s payments or expenditures; information on their history with credit (that is, if they have borrowed before, and how it went the last time); previous uses of credit facilities; what type of credit facilities have been requested, and any new credit facilities they’ve used. Individual income and personal wealth also are important to credit rating, so frequently feature in credit rating datasets.

What is Credit Rating Data used for?

Credit rating data plays a prominent role in the credit facilities industry. It helps run operations in this sector smoothly. Credit rating data can be used in credit risk analysis, especially by banks and other lending financial institutions to determine the extent of risk on loaning out to a particular individual or business. Credit rating data is also useful for managing risk in credit, risk assurance, predictive analysis and other financial information related use cases. In the development of expansion strategy, credit rating is also useful information, as it helps to map out policies and means by which expansion can be achieved safely.

How can a user assess the quality of Credit Rating Data?

To assess the quality of credit rating data, then it must be timely to be useful. Check whether it’s up-to-date. Credit rating data must have been verified as accurate data from various sources. It should also pass the test for any errors and omissions. It is also important that you verify the credibility of the data provider to complete the metrics of data quality assessment on a dataset.