Rankings

Credit bureaus & report companies ranked

Who draws the most complaints, whose complaints are rising fastest, and who is best and worst at putting things right - from the last 12 months of the record. Companies need 100+ complaints to be ranked on their answers.

Most complaints (last 12 months)

#	Company	12 months	Change	On time	Relief	Grade
1	TransUnionCredit reporting	2,343,675	+56%	100%	41%	B
2	ExperianCredit reporting	2,064,931	+56%	99.9%	13%	C
3	EquifaxCredit reporting	2,013,652	+29%	99.9%	40%	B
4	LexisNexisCredit reporting	36,504	+106%	99.4%	25%	C
5	CBC CompaniesCredit reporting	22,822	-22%	100%	53%	A
6	AffirmCredit reporting	8,431	+72%	99.9%	0%	D
7	FIS (Fidelity National Information Services)Credit reporting	7,698	+36%	100%	0%	C
8	TD BankCredit reporting	6,183	+17%	100%	24%	B
9	Ally FinancialCredit reporting	6,013	+13%	100%	8%	C
10	Early Warning Services (Zelle)Credit reporting	5,912	-76%	100%	0%	C
11	Self FinancialCredit reporting	4,913	+31%	99.3%	0%	D
12	OneMain FinancialCredit reporting	3,861	+20%	100%	7%	C
13	KikoffCredit reporting	3,534	+47%	100%	1%	C
14	Credit AcceptanceCredit reporting	3,335	-1%	99.8%	2%	C
15	Exeter FinanceCredit reporting	2,894	+16%	99.9%	0%	C
16	Toyota Financial ServicesCredit reporting	2,301	+39%	99.9%	4%	C
17	ID AnalyticsCredit reporting	2,295	+16%	99.4%	20%	C
18	CoreLogicCredit reporting	2,267	-8%	99.9%	0%	C
19	Global Lending ServicesCredit reporting	1,853	+21%	99.4%	10%	C
20	GM FinancialCredit reporting	1,800	+8%	100%	5%	C

Complaints rising fastest

#	Company	Measure	12 months	Change	On time	Relief	Grade
1	MIB GroupCredit reporting	+281%	259	+281%	100%	0%	D
2	Central ResearchCredit reporting	+178%	1,193	+178%	99.9%	0%	D
3	National Consumer Telecom & Utilities ExchangeCredit reporting	+170%	1,374	+170%	100%	0%	D
4	PerpayCredit reporting	+160%	200	+160%	100%	0%	D
5	LexisNexisCredit reporting	+106%	36,504	+106%	99.4%	25%	C
6	Sparrow FinancialCredit reporting	+98%	234	+98%	100%	0%	D
7	Goal Structured SolutionsCredit reporting	+95%	390	+95%	100%	0%	D
8	CheckrCredit reporting	+93%	844	+93%	99.5%	0%	D
9	KovoCredit reporting	+82%	635	+82%	100%	0%	D
10	HireRight SolutionsCredit reporting	+75%	140	+75%	100%	0%	D
11	AffirmCredit reporting	+72%	8,431	+72%	99.9%	0%	D
12	First Help FinancialCredit reporting	+59%	105	+59%	95.2%	8%	F
13	First AdvantageCredit reporting	+58%	484	+58%	87.8%	0%	F
14	ExperianCredit reporting	+56%	2,064,931	+56%	99.9%	13%	C
15	TransUnionCredit reporting	+56%	2,343,675	+56%	100%	41%	B
16	KikoffCredit reporting	+47%	3,534	+47%	100%	1%	C
17	UpstartCredit reporting	+43%	1,485	+43%	99.9%	1%	C
18	Security Service Federal Credit UnionCredit reporting	+43%	114	+43%	100%	27%	B
19	OportunCredit reporting	+42%	690	+42%	99.9%	2%	C
20	Ava FinanceCredit reporting	+41%	555	+41%	94.4%	0%	F

Lowest Response Scores

#	Company	Measure	12 months	Change	On time	Relief	Grade
1	Ipac'sCredit reporting	0/100	617	+4,646%	0%	0%	F
2	First AdvantageCredit reporting	4/100	484	+58%	87.8%	0%	F
3	EntrataCredit reporting	7/100	123	+31%	6.5%	0%	F
4	Southern Auto FinanceCredit reporting	9/100	104	+6%	53.8%	0%	F
5	Finance of America MortgageCredit reporting	10/100	123	new	0%	23%	F
6	Ava FinanceCredit reporting	26/100	555	+41%	94.4%	0%	F
7	Egl USCredit reporting	28/100	395	+20%	94.4%	0%	F
8	First Help FinancialCredit reporting	33/100	105	+59%	95.2%	8%	F
9	United PanAm FinancialCredit reporting	39/100	494	+9%	96.8%	0%	D
10	BMW Financial ServicesCredit reporting	42/100	589	+33%	97.8%	0%	D
11	Transform CreditCredit reporting	43/100	152	+33%	96.1%	14%	D
12	CheckrCredit reporting	44/100	844	+93%	99.5%	0%	D
13	National Consumer Telecom & Utilities ExchangeCredit reporting	45/100	1,374	+170%	100%	0%	D
14	Central ResearchCredit reporting	45/100	1,193	+178%	99.9%	0%	D
15	MicroBiltCredit reporting	45/100	662	-10%	97.1%	0%	D
16	MIB GroupCredit reporting	45/100	259	+281%	100%	0%	D
17	Sparrow FinancialCredit reporting	45/100	234	+98%	100%	0%	D
18	Lobel FinancialCredit reporting	45/100	231	+21%	98.3%	0%	D
19	PerpayCredit reporting	45/100	200	+160%	100%	0%	D
20	Goal Structured SolutionsCredit reporting	46/100	390	+95%	100%	0%	D

Highest Response Scores

#	Company	Measure	12 months	Change	On time	Relief	Grade
1	CBC CompaniesCredit reporting	93/100	22,822	-22%	100%	53%	A
2	Synovus BankCredit reporting	79/100	129	-88%	100%	30%	B
3	EquifaxCredit reporting	77/100	2,013,652	+29%	99.9%	40%	B
4	TransUnionCredit reporting	75/100	2,343,675	+56%	100%	41%	B
5	TD BankCredit reporting	68/100	6,183	+17%	100%	24%	B
6	Security Service Federal Credit UnionCredit reporting	68/100	114	+43%	100%	27%	B
7	Marlette FundingCredit reporting	67/100	344	-5%	99.1%	24%	B
8	PenFed Credit UnionCredit reporting	66/100	876	-1%	100%	18%	B
9	Mid-Atlantic FinanceCredit reporting	66/100	131	-4%	100%	16%	B
10	VW CreditCredit reporting	65/100	559	+9%	100%	18%	B
11	ID AnalyticsCredit reporting	63/100	2,295	+16%	99.4%	20%	C
12	Pinnacle Financial PartnersCredit reporting	63/100	767	+3,937%	99.9%	31%	C
13	Early Warning Services (Zelle)Credit reporting	60/100	5,912	-76%	100%	0%	C
14	Cascade CISSCredit reporting	60/100	264	-51%	100%	0%	C
15	Fig TechCredit reporting	60/100	136	+5%	100%	9%	C
16	Ally FinancialCredit reporting	59/100	6,013	+13%	100%	8%	C
17	First Technology Federal Credit UnionCredit reporting	59/100	562	+21%	99.6%	13%	C
18	FC HoldCoCredit reporting	59/100	410	-53%	99.8%	0%	C
19	Larry H. Miller Group of CompaniesCredit reporting	59/100	308	-9%	100%	3%	C
20	Open Dealer ExchangeCredit reporting	58/100	276	-33%	99.6%	0%	C

Least likely to give relief

#	Company	Measure	12 months	Change	On time	Relief	Grade
1	AffirmCredit reporting	0%	8,431	+72%	99.9%	0%	D
2	FIS (Fidelity National Information Services)Credit reporting	0%	7,698	+36%	100%	0%	C
3	Early Warning Services (Zelle)Credit reporting	0%	5,912	-76%	100%	0%	C
4	Self FinancialCredit reporting	0%	4,913	+31%	99.3%	0%	D
5	Exeter FinanceCredit reporting	0%	2,894	+16%	99.9%	0%	C
6	CoreLogicCredit reporting	0%	2,267	-8%	99.9%	0%	C
7	LCI AcquisitionCredit reporting	0%	1,486	+34%	99.2%	0%	D
8	National Consumer Telecom & Utilities ExchangeCredit reporting	0%	1,374	+170%	100%	0%	D
9	Central ResearchCredit reporting	0%	1,193	+178%	99.9%	0%	D
10	Consumer Portfolio ServicesCredit reporting	0%	983	+15%	100%	0%	C
11	CheckrCredit reporting	0%	844	+93%	99.5%	0%	D
12	Mercedes-Benz Financial ServicesCredit reporting	0%	751	-1%	99.9%	0%	C
13	MicroBiltCredit reporting	0%	662	-10%	97.1%	0%	D
14	KovoCredit reporting	0%	635	+82%	100%	0%	D
15	State Employees' Credit UnionCredit reporting	0%	635	+17%	99.7%	0%	C
16	BMW Financial ServicesCredit reporting	0%	589	+33%	97.8%	0%	D
17	Ava FinanceCredit reporting	0%	555	+41%	94.4%	0%	F
18	Mariner FinanceCredit reporting	0%	663	+22%	99.7%	0%	C
19	KikoffCredit reporting	1%	3,534	+47%	100%	1%	C
20	CarMaxCredit reporting	1%	1,004	+4%	99.7%	1%	C

Slowest to answer

#	Company	Measure	12 months	Change	On time	Relief	Grade
1	Ipac'sCredit reporting	0%	617	+4,646%	0%	0%	F
2	Ava FinanceCredit reporting	94.4%	555	+41%	94.4%	0%	F
3	MicroBiltCredit reporting	97.1%	662	-10%	97.1%	0%	D
4	BMW Financial ServicesCredit reporting	97.8%	589	+33%	97.8%	0%	D
5	MoneyLionCredit reporting	99.2%	1,091	+35%	99.2%	1%	D
6	LCI AcquisitionCredit reporting	99.2%	1,486	+34%	99.2%	0%	D
7	Self FinancialCredit reporting	99.3%	4,913	+31%	99.3%	0%	D
8	LexisNexisCredit reporting	99.4%	36,504	+106%	99.4%	25%	C
9	ID AnalyticsCredit reporting	99.4%	2,295	+16%	99.4%	20%	C
10	Global Lending ServicesCredit reporting	99.4%	1,853	+21%	99.4%	10%	C
11	CheckrCredit reporting	99.5%	844	+93%	99.5%	0%	D
12	First Technology Federal Credit UnionCredit reporting	99.6%	562	+21%	99.6%	13%	C
13	State Employees' Credit UnionCredit reporting	99.7%	635	+17%	99.7%	0%	C
14	Mariner FinanceCredit reporting	99.7%	663	+22%	99.7%	0%	C
15	CarMaxCredit reporting	99.7%	1,004	+4%	99.7%	1%	C
16	Credit AcceptanceCredit reporting	99.8%	3,335	-1%	99.8%	2%	C
17	OportunCredit reporting	99.9%	690	+42%	99.9%	2%	C
18	Mercedes-Benz Financial ServicesCredit reporting	99.9%	751	-1%	99.9%	0%	C
19	CoreLogicCredit reporting	99.9%	2,267	-8%	99.9%	0%	C
20	Pinnacle Financial PartnersCredit reporting	99.9%	767	+3,937%	99.9%	31%	C

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Complaint records are public consumer complaints filed with U.S. regulators, checked 11 minutes ago (newest received Nov 15, 2026). Complaints are consumers' own accounts and are not verified; counts grow with a company's size. How the data works