MicroBilt is the leading provider of alternative credit data. Microbilt collects and provides payment history data on rent, utilities, telecom, insurance and other recurring monthly bills that are not commonly reported to the "Big 3" credit bureaus - Experian, Equifax, TransUnion to businesses that want to offer credit and other financial services to the approximately 110 million underserved and underbanked consumers in the United States.

Equifax Inc. is a consumer credit reporting agency in the United States, considered one of the three largest American credit agencies. Equifax gathers and maintains information on over 400 million credit holders worldwide.

Experian is a global leader in consumer and business credit reporting and marketing services. They support clients in more than 65 countries.

TransUnion is a global leader in credit and information management. They work with businesses and consumers to better understand and manage credit so they can achieve their financial goals. TransUnion supports more than 50,000 customers and more than 500 million consumers worldwide.