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

Consulting and Outsourcing

As the leading company offering system-to-system credit software tools and solutions, MERit Credit Systems is ready to help your organization, should you wish to outsource part or all of your project's design, development, interfacing, and/or processing. We are in a unique position to help you meet your implementation goals very rapidly in the following areas:

  • Credit Bureau Access
  • Decision and scoring systems
  • User interface for credit systems
  • Custom report layouts
  • Special purpose batch processing
  • Portfolio analysis
  • Web-enabled applications
  • System integration
  • Outsourcing

Past Project Examples

File Conversion

A national company developing an auto financing score model needed to convert a huge archive of human-readable credit reports so that they could be stored and analyzed in a SQL Server database. MERit's knowledge of the text layouts made it possible to map the credit data back into company's database. The data was converted using MERit's processing facilities in a fraction of the time and investment that would have been required in-house.

Legacy System Integration

Costly upgrades were averted by a bank, whose software vendor announced it would discontinue support for integrated credit retrieval in their legacy banking system.  MERit was able to customize an interface so that the MERit Credit Engine could substitute for the obsolete module, thereby allowing the bank's call center to extend the life of its existing decisioning system.

Conserving IT Staff Resources

Three customers of a major financial systems integrator requested a credit report capability. MERit Systems provided custom programming which allowed the integrator to handle its customers' special requests without diverting undue resources to the task. Reinventing the wheel would have been costly. Use of the Merit Credit Engine allowed the staff to maintain focus on its most profitable activities.

Conversion of Bureau Formats

A large automobile financing institution wanted to continue using a system for dynamically generating point scores, but the credit bureau changed the format of the underlying credit reports.  MERit Systems was able to provide a real-time conversion capability from the new credit report format to the old, so that it became unnecessary to rewrite the point scoring system.

We can Help You Too

The credit reporting agencies have often turned to us for client-side implementation of their latest credit and decision offerings. Perhaps you also have a need that we can address. Our contacts, our experience, and our intimate knowledge of the MERit Credit Engine and the credit specifications of all three bureaus can be the head-start that you need.

To open a dialogue with us about your particular needs, please visit our contact page.

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.


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