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

supports all credit bureau-approved connectivity options.

With simultaneous connections to all three credit bureaus and support for multiple threads and multiple sockets, the MERit Credit Engine provides quick response for your interactive credit applications, and impressive throughput for your high-volume and batch credit report retrieval applications.

The MERit Credit Engine maximizes speed, security, and availability using the  Internet, data circuits, or modems.  By providing direct access to Experian, Equifax, and TransUnion, the delays and transaction costs of third-party services are eliminated.

Protocol connectivity - the proprietary bureau protocols and TCP/IP - are handled transparently by the credit engine and the underlying Windows platform.

Credit Bureau Internet Access

Experian, Equifax, and Trans Union each have protocols for credit bureau Internet security.  The MERit Credit Engine supports them all: Experian NetConnect, Equifax Internet STS Connectivity, and TransUnion Net Access.

  • Always-on connection to bureau data.
  • Uses Secure Sockets
  • Compatible with common infrastructure.
  • Availability subject to bureau policies.

Note that the Internet connections used by the MERit Credit Engine are separate from those used for browser access to Internet credit portals. Thus, they are quick, and can be integrated into custom systems without requiring the use of a browser.

Data circuit

  • Always-on TCP/IP virtual connection to bureau data.
  • Subject to bureau requirements.

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