credit bureau

noun
a firm that investigates the creditworthiness of and assigns a credit rating to a client's customers or potential customers.
Also called credit agency.
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Based on the Random House Dictionary, © Random House, Inc. 2014.
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WordNet
credit bureau

noun
a private firm that maintains consumer credit data files and provides credit information to authorized users for a fee 
WordNet® 3.0, © 2006 by Princeton University.
Cite This Source
Example sentences
Therefore, the effect of the credit bureau on new clients likely occurs through
  selection.
If the lender used a credit bureau to evaluate your application, it will be
  listed on the denial notice you received.
Credit bureau reports can be purchased at time of counseling.
The creditors then send this record of a consumer's payment history to the
  credit bureau reporting agencies.
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