Equifax, Experian, and Trans Union credit reports. Now you can streamline business processes with live credit report data.

gives system integrators a solid base for rapid implementation...

Internet and intranet applications

Credit reports have long been a separate step in the approval process. Stand-alone TTY credit terminals provided cryptic reports that had to be analyzed by experienced credit managers. Windows desktop software applications, and Internet access to credit reports have done little to make the reports easier to use. The process has remained largely separate from other business and financial applications, requiring rekeying of input, and manual analysis of the output.

With the MERit Credit Engine, credit decisions can become a built-in part of your system. It provides developers the tools needed to retrieve credit data, store it, analyze it, and report it.

Common applications for this technology:

  • Online approvals
  • Call-center instant decisions
  • Custom scoring, application routing
  • Identity and background verification
  • Point-of-sale cross-selling opportunities
  • Vertical market software integration.
  • Rendering of credit reports.
  • Integration with existing databases

Credit report data, when stored in database tables,   can be used to generate a score, and it provides historical data for developing new custom scoring models. In fact, software is available to build, train and test custom credit scoring neural networks.

Mortgage lenders and brokers are a major beneficiary of the MERit Credit Engine technology, as it allows for custom integration into complex systems.  Web-enabled Internet and intranet applications which combine sophisticated routing, data transformations, communication with funding sources, and loan processing software are all possible because of the the credit engine's ability to handle credit reports, as well as the individual data elements within the reports.

The credit engine can also be a key resource for the development of systems in automobile financing, credit unions, leasing, telephone and cellular phone companies, credit dentistry and laser procedures, property management, and insurance underwriting.

Product and company names mentioned herein are the property of their respective owners. You must have account(s) and valid log-in credentials with whichever credit reporting agencies you intend to access with the Merit Credit Engine software. Merit Credit Systems is a software provider only, is not affiliated with any credit bureau, and does not act as a provider, pass-through, or reseller of consumer credit reports.


Home   Applications   Diagram   Case Study   Bureaus   Connectivity   Credit Toolkit   Record Layouts   Interface   Configurations   XML   HR-XML   HR Standards   MISMO Standard   ActiveX   Batch Scoring  Middleware  Java  OEM Edition  Server   Import Monitor   Export Monitor   Business Credit   XPN Tools  Experian Report Format  Equifax Tools  Equifax Report Format  Trans Union Tools  TransUnion Report Format  Merge   Debit Reporting   Reviews   Company   News   Desktop Apps   Toolkit   Personal Credit   FACT Act   Equifax Canada   TransUnion Canada   Consulting    CoreLogic CREDCO  HR-XMLHuman resources XML credit reports  Version 3  3.1  3.2  3.3  3.4  Risk Based Pricing  OverviewCredit report engine overview   Contact   Mail this Page