uses software code, field-proven in thousands of installations. Bureau specs might get you started. Only experience ensures you get there.

Merit Credit Systems is a leading developer of credit report retrieval software  which powers custom applications in automotive finance, mortgage lending, leasing, tenant screening, collections, employment background checks, insurance, credit scoring, and point of sale instant decision systems.  For more than a decade, our systems have provided simple access to Experian, Equifax, and TransUnion data, and we have saved our customers countless months in building their own credit systems in the U.S. and Canada.

Merit's flagship product, the Merit Credit Engine ("MCE"), allows direct access to the individual elements of a credit report, making it possible to extract the exact information required, such as a person's history with auto loans, recent inquiries to finance companies, or specific risk model scores. This degree of detail is often necessary for custom automated decisioning, routing of applications based on specific criteria, and for reliable interfacing with other applications.

Through Merit's XML, SQL, and/or component-based interface, your company's programs and web applications can easily access the U.S. and Canada credit bureaus, as well as First American CREDCO, and CBC Innovis.

Based in Montrose, California, we serve many well known customers, large and small, and we maintain strong vendor relationships with each of the major credit repositories. Over the years, we at Merit Credit Systems have become expert in the proprietary data formats of each credit bureau, and in methods that keep high-volume retrieval systems running smoothly. We do not sell credit reports ourselves, nor do we add transaction fees and third-party overhead to the reports you pull. Instead, we provide software tools that let you interact directly with the source -- instantaneously -- as you implement your own unique business and credit strategies.