Java credit report components are easy to create when you let the "MCE" handle
the credit bureau access for you.
A Java Equifax interface (or Java components for
would be difficult and time-consuming to design, code, test, and implement for
most organizations. The three credit bureaus have differing protocols, Internet
security methods, and data layouts with each layout being very complex.
Fortunately, the MERit Credit Engine makes Java a very practical alternative.
Java Credit Reports
Java works well with the MERit Credit Engine (just like Visual BASIC, C++,
language that can "talk" to a database with SQL can talk to the MERit Credit
- To request a credit report simply insert an Inquiry record into the
database. The minimum information is normally name, address, and Social
- To check the status of the credit report, simply retrieve the
Inquiry record. The Status column will have been updated.
- Your Java program can easily analyze the credit report and make
decisions because the database has been populated for you, keyed on your
Inquiry index. Detailed tradeline, public record, credit score, employment and
residency history is all there, ready to use with the same methods you'd
employ for any other data source.
- You can get a human-readable credit report from the Report Text
table. You'll find it in a record that matches your original Inquiry index.
You can also get report summaries and (optional) merged XML credit reports
from the response tables.
The MERit Credit Engine can do all this with multithreading and multiple
transports to the credit bureaus. The raw system-to-system data is preserved
(and available to you) and you can control whether it is parsed immediately, or
|Note: If you prefer not using SQL,
your program can access the MERit Credit Engine via text files and/or
ActiveX COM objects.