CRS
305 employees on LinkedIn · 4 known investors
CRS Credit API provides access to regulated credit data through multiple delivery channels—web portal, API integration, and system migration services—for businesses of all sizes seeking compliance and efficient credit reporting.
Also known as CRS Credit API · CRS Group, Inc.
Investors · 4
Company profile
researched Aug 2026CRS (CRS Group, Inc.), operating as CRS Credit API, is a Credit Reporting Agency (CRA) that delivers credit and regulated data through a single developer-oriented API. Its credit data products include consumer credit reports (soft and hard pulls), business credit reports covering debt information and state filings, and score models such as FICO and Vantage, plus add-ons including OFAC screening, income scores and Military Lending Act checks. Adjacent product lines cover know-your-customer identity verification, public and private record search, background checks and income verification.
Beyond raw data access, CRS offers technology and platform layers: a "CRS Standard Format" intended to normalize responses across bureaus through one API, CRM integrations (including Salesforce and Zoho), and FinStack, the company's platform. Lead and portfolio tools include batch monitoring for loan portfolio health, marketing lists filterable by demographic and credit criteria, and OffersIQ for matching consumers to eligible offers. Credit-building products include eCredit Monitoring for consumer credit tracking and data furnishing for reporting consumer credit data. Documented APIs are published for credit data, credit monitoring and data furnishing, with code examples for Ruby, Python, JavaScript, Java, Node.js, Go, PHP, .NET and cURL, and responses available in JSON, XML, HTML5 and PDF.
Business model
CRS acts as an intermediary Credit Reporting Agency between the credit bureaus and alternative data providers on one side and business customers on the other, packaging bureau access, product selection, API integration and managed regulatory compliance under a single contract and a single vetting process. It also operates a partner channel for platform providers and a referral program advertising $500 per referral.
Traction
Company-stated figures include 25+ years of credit industry experience, 10+ financial data sources available from a single API, and more than $1 billion facilitated for CRS customers. Published customer testimonials come from tenant screening, sales and lending organizations, and a customer case study describes tenant screening provider Landing.
▸Full profile — market position, technology, go-to-market
Market position
CRS positions itself as an independent, tech-forward Credit Reporting Agency and the fastest CRA in its market, aggregating Equifax, Experian and TransUnion data with public records and alternative data sources in one place.
Single-contract, single-vetting access to all three national credit bureaus plus alternative data; a normalized cross-bureau response format; fully managed FCRA and regulatory compliance; and rapid onboarding and integration timelines.
Technology
The core offering is a REST API for credit and regulated data, with a normalized "CRS Standard Format" designed to return data from all bureaus through one interface. Sandbox endpoints, bearer-token authentication and JSON/XML/HTML5/PDF response formats are documented, alongside SDK-style examples across multiple programming languages. The company describes the API as independent, secure, redundant and scalable, and states data access 10x faster than the industry standard.
Go-to-market
CRS sells directly to businesses that need to pull credit data, emphasizing onboarding speed (start pulling credit data in under two weeks, integration set up in days, FCRA compliance assistance) and a guided compliance platform. It supplements direct sales with a partner program for platform providers, a paid referral program, published developer documentation and a content blog covering embedded and white-label credit workflows.
Fintech and BNPL providers, consumer and commercial lenders, credit unions, automotive and auto leasing firms, tenant screening companies, bankruptcy legal services, investor qualification use cases, and non-profit housing counseling organizations.
Compiled by commissioned research from 1 cited public sources — announcements, filings, and press listed under research sources below.
Key figures
latest reportedCompany-reported or press-reported figures, each dated to when it was claimed — not independently audited.
In the news
Catholic Relief Services Receives Share of $1.4 Billion in Aid to Faith‑Based Groups| National Catholic Registerncregister.com · Aug 2026▸Research sources · 1
primary sources listed
- CRScrscreditapi.com · web
1 public sources were cited for this profile; the first-party ones are listed here.
Frequently asked questions
- What does CRS do?
- CRS is a Credit Reporting Agency providing an all-in-one API for credit bureau, public record and alternative data.
- Who are CRS's investors?
- CRS's investors include Brighter Capital, Escalate Capital Partners, Leadout Capital, MS&AD Ventures.