# Manage credit bureau agencies

Credit bureau agencies are the bureaus your company sends credit reporting files to (such as Experian, Equifax, TransUnion, and Innovis). Use this page to configure how files are delivered to each bureau — including file naming conventions, GPG encryption, SFTP transfer settings, and credit-reporting behavior.

**Availability:** Requires the beta toggle **and** an additional override to be enabled. If you don't see **Credit Bureau Agencies** in your sidebar, contact Peach support to enable it.
**Required permissions:** `credit.agency:list`, `credit.agency:read` (to view); `credit.agency:create` (to add); `credit.agency:update` (to edit)

## Before you begin

- The Admin Portal does not currently support archiving, unarchiving, or deleting credit bureau agencies. If you need to remove, or delete an existing credit bureau agency please contact Peach support to assist you.
- Credit-reporting program rules (which loans report to which bureaus, frequency, etc.) are configured separately from the agency record itself.


## View credit bureau agencies

From the Admin Portal sidebar, select **Credit Bureau Agencies**. The list displays all credit bureau agencies configured for your company.

| Column | Description |
|  --- | --- |
| **Agency** | The bureau's name (Experian, Equifax, TransUnion, or Innovis) with the Peach-assigned agency ID shown underneath. |
| **Country** | The country code for the agency (for example, `US`). Displays "—" when empty. |


Use the search bar to find agencies by agency name, ID, or country. Use the **Uploaded by lender** filter to show only agencies where files are uploaded by the lender (Yes) or by Peach (No).

Selecting any row opens the agency's detail drawer.

## Add a credit bureau agency

1. From the **Credit Bureau Agencies** list, select **+ Add new**. The **Add new credit bureau agency** sheet opens, organized into **General information**, **File encryption**, **File naming**, **Transfer settings**, and **Additional options** sections.
2. Fill in the agency details (see [field reference](#credit-bureau-agency-fields) below).
3. Select **Create new credit bureau agency** to save. The button stays disabled until all required fields are valid and you have changed something in the form.


After creation, the sheet closes and the new agency appears in the list. Peach generates the SFTP SSH key pair (`sftpSSHPeachPrivateKey` and `sftpSSHPeachPublicKey`) for the new agency automatically once the record is added.

## View a credit bureau agency

1. From the **Credit Bureau Agencies** list, select an agency row to open the detail drawer.
2. The drawer header shows the agency ID and, underneath, the agency name plus "Created" and "Last updated" timestamps separated by `•`.
3. The body displays every configuration field, organized into the same five sections as the create form. All fields are read-only in the current release.


To change an agency's configuration today, contact Peach support or use the [Peach API](https://docs.peachfinance.com/api-docs/).

## Credit bureau agency fields

The **Add new credit bureau agency** sheet and the detail drawer share the same form layout, organized into five sections.

### General information

| Field | Description | Required | Default | Values / Format |
|  --- | --- | --- | --- | --- |
| **Agency name** | The credit bureau the agency record represents. | Yes | — | Dropdown: `experian`, `equifax`, `transunion`, `innovis` |


### File encryption

| Field | Description | Required | Default | Values / Format |
|  --- | --- | --- | --- | --- |
| **Encryption method** | How files are encrypted before they are sent to the bureau. | No | `None` | Radio: `None`, `GPG` |
| **Public key** | Your GPG public key. Peach uses it to encrypt the file before delivery. | Yes when **Encryption method** is `GPG` | — | Multi-line text |


### File naming

| Field | Description | Required | Default | Values / Format |
|  --- | --- | --- | --- | --- |
| **Name file per credit bureau naming convention** | When enabled, Peach names the output file according to the selected bureau's naming convention. | No | On | Checkbox |
| **File name prefix** | A prefix prepended to the file name. Example: `MKFRT`. | Yes when **Agency name** is `experian` and **Name file per credit bureau naming convention** is on | — | Text |


### Transfer settings

| Field | Description | Required | Default | Values / Format |
|  --- | --- | --- | --- | --- |
| **SFTP access method** | How Peach authenticates against the bureau's SFTP server. | No | `Username and password` | Radio: `Username and password`, `SSH Keys` |
| **Copy keys from** | (Create only) Copy SSH encryption keys from another existing agency. Accepts a Peach agency ID or a lender external ID. | No | — | Text |
| **SFTP host name** | The bureau's SFTP host. Do not include the `sftp://` prefix; port defaults to `22` when omitted. | No | — | Text (e.g., `sftp.example.com:22`) |
| **SFTP username** | Username for the SFTP server. | Yes when **SFTP access method** is `Username and password` | — | Text |
| **SFTP password** | Password for the SFTP server. Stored as a secret. | Yes when **SFTP access method** is `Username and password` | — | Password |
| **SFTP change directory** | Folder path on the SFTP server where files should be uploaded. | No | — | Text (e.g., `/metro2`) |


> When you create an agency with `SSH Keys` access, Peach generates and stores the agency's SSH key pair automatically. The generated keys are not editable from the Admin Portal — retrieve or rotate them through the Peach API.


### Additional options

| Field | Description | Required | Default | Values / Format |
|  --- | --- | --- | --- | --- |
| **Use loan external ID for credit reporting** | When enabled, loans are identified to the bureau using your external ID instead of the Peach loan ID. | No | On | Checkbox |
| **Auto-enroll all active loans** | (Create only) When enabled, every currently active loan is enrolled with this credit bureau as soon as the agency record is created. | No | Off | Checkbox |


### Read-only fields

The following are shown in the detail drawer and are not editable as form fields:

| Field | Description |
|  --- | --- |
| **Agency ID** | The Peach-assigned identifier for the credit bureau agency. |
| **Created** | The date and time the agency was created. |
| **Last updated** | The date and time the agency was last modified. |


## Related pages

- [Manage collection agencies](/servicing-operations/admin-portal/admin-portal-collection-agencies)
- [Manage investors](/servicing-operations/admin-portal/admin-portal-investors)
- [Admin Portal overview](/servicing-operations/admin-portal/admin-portal-overview)
- [Peach API documentation](https://docs.peachfinance.com/api-docs/)