---
title: "Credit bureaus (Equifax, Experian, TransUnion)"
description: "From Nov 2023 to Oct 2026, 86 archived papers mentioned Credit bureaus (Equifax, Experian, TransUnion) in their title, abstract or keywords (the search of earlier months' full texts is still under way), most of them in Feb 2024 (6)."
url: https://scholar4ai.com/datasets/credit-bureaus-equifax-experian-transunion
markdown_url: https://scholar4ai.com/datasets/credit-bureaus-equifax-experian-transunion.md
license: CC BY-NC 4.0 (https://creativecommons.org/licenses/by-nc/4.0/)
share_text: "From Nov 2023 to Oct 2026, 86 archived papers mentioned Credit bureaus (Equifax, Experian, TransUnion) in their title, abstract or keywords (the search of earlier months' full texts is still under way), most of them in… (as of 2026-11-04)"
data_url: https://scholar4ai.com/data/rankings.json
updated: 2026-11-04T18:03:26+09:00
window: 2026-10-06 to 2026-11-04
source: OpenAlex (CC0)
---

# Credit bureaus (Equifax, Experian, TransUnion)

[Browse dataset profiles](https://scholar4ai.com/datasets/directory/page/2.md)

Loan-level lending data and the public datasets used to train credit-scoring models.

- data category: Credit scoring and lending data
- 0 papers in the last 7 days
- Names searched for: Equifax, Experian, TransUnion, credit bureau

Most-used data: https://scholar4ai.com/rankings/datasets.md · All Credit scoring and lending data datasets: https://scholar4ai.com/datasets/credit-scoring-and-lending-data.md



## Key findings

- From Nov 2023 to Oct 2026, 86 archived papers mentioned Credit bureaus (Equifax, Experian, TransUnion) in their title, abstract or keywords (the search of earlier months' full texts is still under way), most of them in Feb 2024 (6).
- No paper of the tracked journals mentioned Credit bureaus (Equifax, Experian, TransUnion) in the last 30 days (2026-10-06 to 2026-11-04).
- From 2017 to 2026 (so far), Credit bureaus (Equifax, Experian, TransUnion) was mentioned in 107 papers in the tracked journals, most of them in finance (40), economics (23) and management (10).
- 25 of them were published in 2025, against 3 in 2017.
- Since 2023, the institutions with the most of these papers were University of Nottingham (4), Bank for International Settlements (3) and Bucharest University of Economic Studies (3).
- The journals publishing most of them were Financial Innovation (5), Journal of Accounting and Economics (4) and Journal of Business Ethics (3).
- The most-cited of them is “Information asymmetry and market power in the African banking industry” (Journal of Multinational Financial Management, 2017), with 293 citations.
- Papers use Credit bureaus (Equifax, Experian, TransUnion) most often with Facebook (11), Credit registers (e.g. AnaCredit) (9) and LendingClub (8); it has 25 partners in the code and data network, in the group around World Development…, Eurostat, International Energy….

## Mentions over 36 months

*Papers mentioning it by publication month, Nov 2023 to Oct 2026 (titles, abstracts and keywords; the full texts of earlier months are still being searched)*

| Trend | Nov 23–Oct 24 | Nov 24–Oct 25 | Nov 25–Oct 26 | 36 months |
|---|---:|---:|---:|---:|
|  | 31 | 26 | 29 | 86 |

## Papers per year

*Papers per publication year and category*

| Category | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 (so far) |
|---|---:|---:|---:|---:|---:|---:|---:|---:|---:|---:|
| [Finance](https://scholar4ai.com/categories/finance.md) | 3 | 0 | 0 | 2 | 2 | 3 | 1 | 17 | 5 | 7 |
| [Economics](https://scholar4ai.com/categories/economics.md) | 0 | 0 | 0 | 1 | 0 | 2 | 2 | 5 | 7 | 6 |
| [Management](https://scholar4ai.com/categories/management.md) | 0 | 0 | 1 | 0 | 0 | 0 | 1 | 1 | 3 | 4 |
| [Accounting](https://scholar4ai.com/categories/accounting.md) | 0 | 1 | 0 | 0 | 0 | 0 | 0 | 3 | 2 | 3 |
| [Information Systems](https://scholar4ai.com/categories/information-systems.md) | 0 | 0 | 0 | 0 | 0 | 1 | 1 | 0 | 3 | 3 |
| [Operations Research](https://scholar4ai.com/categories/operations-research.md) | 0 | 0 | 0 | 0 | 1 | 1 | 0 | 2 | 3 | 1 |
| [Marketing](https://scholar4ai.com/categories/marketing.md) | 0 | 0 | 0 | 0 | 0 | 0 | 2 | 2 | 1 | 0 |
| [AI](https://scholar4ai.com/categories/ai.md) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 2 | 1 | 1 |
| All categories | 3 | 1 | 1 | 3 | 3 | 7 | 7 | 32 | 25 | 25 |

## Where the papers come from

*Journals with the most papers, since 2023*

| # | Journal | Papers |
|---:|---|---:|
| 1 | [Financial Innovation](https://scholar4ai.com/journals/financial-innovation.md) | 5 |
| 2 | [Journal of Accounting and Economics](https://scholar4ai.com/journals/journal-of-accounting-and-economics.md) | 4 |
| 3 | [Journal of Business Ethics](https://scholar4ai.com/journals/journal-of-business-ethics.md) | 3 |
| 4 | [Annals of Operations Research](https://scholar4ai.com/journals/annals-of-operations-research.md) | 3 |
| 5 | [Journal of Financial Economics](https://scholar4ai.com/journals/journal-of-financial-economics.md) | 3 |
| 6 | [Journal of Banking & Finance](https://scholar4ai.com/journals/journal-of-banking-finance.md) | 3 |
| 7 | [Journal of Financial Services Research](https://scholar4ai.com/journals/journal-of-financial-services-research.md) | 3 |
| 8 | [Information Systems Frontiers](https://scholar4ai.com/journals/information-systems-frontiers.md) | 3 |
| 9 | [Future Business Journal](https://scholar4ai.com/journals/future-business-journal.md) | 3 |
| 10 | [Journal of International Business Studies](https://scholar4ai.com/journals/journal-of-international-business-studies.md) | 2 |

*Institutions with the most papers, since 2023*

| # | Institution | Papers |
|---:|---|---:|
| 1 | [University of Nottingham](https://scholar4ai.com/institutions/university-of-nottingham.md) | 4 |
| 2 | Bank for International Settlements | 3 |
| 3 | Bucharest University of Economic Studies | 3 |
| 4 | [Centre National de la Recherche Scientifique](https://scholar4ai.com/institutions/centre-national-de-la-recherche-scientifique.md) | 3 |
| 5 | [Centre for Economic Policy Research](https://scholar4ai.com/institutions/centre-for-economic-policy-research.md) | 3 |
| 6 | [Durham University](https://scholar4ai.com/institutions/durham-university.md) | 3 |
| 7 | Humboldt-Universität zu Berlin | 3 |
| 8 | [Imperial College London](https://scholar4ai.com/institutions/imperial-college-london.md) | 2 |
| 9 | Iscte – Instituto Universitário de Lisboa | 2 |
| 10 | [KU Leuven](https://scholar4ai.com/institutions/ku-leuven.md) | 2 |

*Countries with the most papers, since 2023*

| # | Country | Papers |
|---:|---|---:|
| 1 | United States | 26 |
| 2 | United Kingdom | 25 |
| 3 | Germany | 11 |
| 4 | France | 8 |
| 5 | China | 7 |
| 6 | Switzerland | 6 |
| 7 | Spain | 5 |
| 8 | Italy | 5 |
| 9 | India | 4 |
| 10 | Romania | 4 |

*Keywords with the most papers, since 2023*

| # | Keyword | Papers |
|---:|---|---:|
| 1 | credit scoring | 11 |
| 2 | [financial inclusion](https://scholar4ai.com/keywords/financial-inclusion.md) | 7 |
| 3 | credit scores | 6 |
| 4 | microfinance | 5 |
| 5 | access to credit | 4 |
| 6 | credit ratings | 4 |
| 7 | [financial development](https://scholar4ai.com/keywords/financial-development.md) | 4 |
| 8 | [financial literacy](https://scholar4ai.com/keywords/financial-literacy.md) | 4 |
| 9 | financial well-being | 4 |
| 10 | algorithmic bias | 3 |

## Most-cited papers

*Most-cited papers since 2017*

| # | Citations | Per month | Title | Journal | Published | Authors |
|---:|---:|---:|---|---|---|---|
| 1 | 293 | 2.8 | [Information asymmetry and market power in the African banking industry](https://doi.org/10.1016/j.mulfin.2017.11.002) | [Journal of Multinational Financial Management](https://scholar4ai.com/journals/journal-of-multinational-financial-management.md) | 2017-12-23 | Agyenim Boateng, Simplice Anutechia Asongu, Raphaël K. Akamavi et al. |
| 2 | 164 | 1.6 | [Does credit reporting lead to a decline in relationship lending? Evidence from information sharing technology](https://doi.org/10.1016/j.jacceco.2018.03.002) | [Journal of Accounting and Economics](https://scholar4ai.com/journals/journal-of-accounting-and-economics.md) | 2018-03-30 | Andrew Sutherland |
| 3 | 136 | 4.7 | [How do machine learning and non-traditional data affect credit scoring? New evidence from a Chinese fintech firm](https://doi.org/10.1016/j.jfs.2024.101284) | [Journal of Financial Stability](https://scholar4ai.com/journals/journal-of-financial-stability.md) | 2024-06-05 | Leonardo Gambacorta, Yiping Huang, Han Qiu et al. |
| 4 | 96 | 3.8 | [Machine learning in business and finance: a literature review and research opportunities](https://doi.org/10.1186/s40854-024-00629-z) | [Financial Innovation](https://scholar4ai.com/journals/financial-innovation.md) | 2024-09-18 | Hanyao Gao, Gang Kou, Haiming Liang et al. |
| 5 | 68 | 3.6 | [Customer data access and fintech entry: Early evidence from open banking](https://doi.org/10.1016/j.jfineco.2024.103950) | [Journal of Financial Economics](https://scholar4ai.com/journals/journal-of-financial-economics.md) | 2025-04-07 | Tania Babina, Saleem Bahaj, Greg Buchak et al. |

## Used together with

Papers use Credit bureaus (Equifax, Experian, TransUnion) most often with Facebook (11), Credit registers (e.g. AnaCredit) (9) and LendingClub (8); it has 25 partners in the code and data network, in the group around World Development…, Eurostat, International Energy….

*What papers use Credit bureaus (Equifax, Experian, TransUnion) together with (at least 3 papers; lift 1 = chance)*

| Used with | Type | Papers using both | Lift |
|---|---|---:|---:|
| [Facebook](https://scholar4ai.com/datasets/facebook.md) | Dataset | 11 | 1.6 |
| [Credit registers (e.g. AnaCredit)](https://scholar4ai.com/datasets/credit-registers-e-g-anacredit.md) | Dataset | 9 | 49.1 |
| [LendingClub](https://scholar4ai.com/datasets/lendingclub.md) | Dataset | 8 | 39.7 |
| [Twitter / X](https://scholar4ai.com/datasets/twitter-x.md) | Dataset | 8 | 0.8 |
| [Compustat](https://scholar4ai.com/datasets/compustat.md) | Dataset | 6 | 4.3 |
| [University of Michigan Surveys of Consumers](https://scholar4ai.com/datasets/university-of-michigan-surveys-of-consumers.md) | Dataset | 6 | 13.8 |
| [World Development Indicators (World Bank)](https://scholar4ai.com/datasets/world-development-indicators-world-bank.md) | Dataset | 5 | 2.4 |
| [YouTube / TikTok](https://scholar4ai.com/datasets/youtube-tiktok.md) | Dataset | 5 | 1.2 |
| [American Community Survey](https://scholar4ai.com/datasets/american-community-survey.md) | Dataset | 4 | 6.0 |
| [CRSP](https://scholar4ai.com/datasets/crsp.md) | Dataset | 4 | 4.2 |
| [Global Financial Development Database](https://scholar4ai.com/datasets/global-financial-development-database.md) | Dataset | 4 | 19.9 |
| [Global Findex](https://scholar4ai.com/datasets/global-findex.md) | Dataset | 4 | 12.7 |

The whole network: https://scholar4ai.com/code/network.md

## Cite this page

Scholar4AI. (2026). Credit bureaus (Equifax, Experian, TransUnion). Journal and Conference Research Rankings. Retrieved November 4, 2026, from https://scholar4ai.com/datasets/credit-bureaus-equifax-experian-transunion

```bibtex
@misc{scholar4ai-datasets-credit-bureaus-equifax-experian-transunion,
  author = {{Scholar4AI}},
  title = {Credit bureaus (Equifax, Experian, TransUnion)},
  year = {2026},
  howpublished = {\url{https://scholar4ai.com/datasets/credit-bureaus-equifax-experian-transunion}},
  urldate = {2026-11-04},
  note = {Journal and Conference Research Rankings; data from OpenAlex (CC0); licensed CC BY-NC 4.0}
}
```

License: CC BY-NC 4.0 (https://creativecommons.org/licenses/by-nc/4.0/).