CBC Innovis Credit Report Tools and Products

The MERit Credit Engine supports CBCInnovis as an alternative path for Internet-based retrieval of credit reports.  CBCInnovis is a leading credit bureau owner and operator, formed in 1999 when Innovis Data Solutions was acquired by the CBC Companies. They offer credit information services to credit card, auto, mortgage and other lenders, as well as insurance providers, property managers, employers and other credit providers.

The MERit Credit Engine retrieves credit reports from CBCInnovis as raw data, which your application can then request as database queries, XML data streams, or fully-rendered, human readable credit reports. Because the MERit Credit Engine handles the communication protocols and parsing of data, credit report data from CBCInnovis can be handled the same way as credit reports retrieved directly from TransUnion, Experian, and Equifax.

It is possible, for example, for the MERit Credit Engine to use TransUnion data retrieved via CBCInnovis in combination with Experian data accessed from Experian, and Equifax credit data retrieved from Equifax to generate XML MISMO format credit reports, HR-XML credit reports, and merged credit reports.

If you have a credit bureau account through CBCInnovis, the MERit Credit Engine can be the interface that answers your custom integration and development needs. Please ask!