About NCRA

Headquartered in the Chicago suburb of Roselle, Illinois, NCRA’s membership includes 70% of the mortgage consumer reporting agencies in the United States that can produce a credit report that meets the requirements of HUD, Fannie Mae and Freddie Mac for mortgage lending and the nation’s leading providers of resident screening firms providing consumer data to the multifamily housing industry. NCRA’s focus is on housing issues driven by the critical data needed for making informed accurate decisions for both multifamily rental and single family lending.

NCRA offers FCRA Education and Certification Programs for both consumer reporting member employees and our clients, the end-users of the consumer information. Our end-user programs are specifically focused for the supporting the needs of mortgage lenders and the multifamily housing industry. NCRA’s Comprehensive Information Security Program set one of the most stringent “Best Practices” standards in the industry to assist its members in protecting sensitive consumer data.

NCRA’s Education and Compliance committee supports continuing education through NCRA’s Annual Conference and regular webinars covering the ever changing industry dynamics. Additionally NCRA offers education articles in the NCRA Connections newsletter covering both mortgage and multifamily issues along with a complete economic recap and forecast for the week ahead. NCRA’s Consumer Credit “Man on the Street” Education video series are free public service education programs to help improve financial literacy in America.

As Congress reviews housing legislation and regulation, NCRA is available to provide our unique industry prospective, that of an organization that is an intermediate between the lenders, landlords and the consumers we serve on issues with a more street level perspective than often provided by the national credit repositories or other industry entities.

Our members review the data provided by all three national credit repositories and work with the consumer on the lenders or landlords behalf to provide the most complete and accurate credit report possible to evaluate the consumer’s true risk when securing shelter for the protection of their family, and all other families in the rental community.