Credit report toolkit

Equifax, Experian, and Trans Union credit report toolkit for developers of custom systems. Tools for integrating credit report access, decisioning, analysis, scoring and merging, using XML, SQL, and other technologies.

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Credit report tool kit components

Developer Productivity

The credit report tool kit consists of standard and optional components that enhance the MERit Credit Engine's value to developers.

MERit Credit Systems announces support of VantageScore (sm.) in its MERit Credit Engine (MCE.)  VantageScore was jointly developed by Equifax, Experian and TransUnion.
  • Experian, Equifax, and Trans Union management console allows configuration of credit bureau access codes and data transport options  for single or unlimited multiple accounts.
  • Protocol connectivity handlers take care of the proprietary credit bureau protocols and/or TCP/IP, transparently to your application.
  • System to system credit report parser functionality makes it unnecessary for a programmer to parse the data into useable information, and eliminates the risk that credit bureau changes to human-readable credit report layouts might "break" your program.
  • Consulting and Outsourcing are available should you wish to outsource part or all of your project's design, development, interfacing, and/or processing.
  • Compliance with the FACT Act. (The Fair and Accurate Credit Transactions Act.)

Credit Bureau-Specific Components

  • Support for Equifax products including credit reports, Persona, DTEC, Beacon and other risk models. MERit's extensive Equifax experience makes it likely that we may already have other Equifax components you may need.
  • Support for Experian products including credit profiles, Employment Insight, Social Search, CU Decision Expert, Custom Strategist, FICO and other risk models. MERit's extensive Experian experience makes it likely that we may already have other Experian components you may need.
  • Support for Trans Union products including credit reports, PEER, TRACE, Empirica and other risk models. MERit's extensive Trans Union experience makes it likely that we may already have other Trans Union components you may need.
  • Business credit reports handler provides the means to incorporate Experian's business profile reports.

Operational Components

  • Server Module runs as a Windows NT or 2000 background service, or as a  standard Windows application, and manages queues, error handling, and database interaction for multiple simultaneous connections to a single or multiple bureaus. Includes logging and trace functions.
  • Import Monitor allows for customization of the way in which credit report requests are formatted and handles database interaction for the submission of requests in applications where a simplified data interface is desired.
  • Export Monitor provides for rendering of credit reports as human-readable text, as well as highly-customizable file output formats. It includes many functions capable of summarizing and counting significant credit report values, and the capability to launch external programs upon receipt of a report.
  • Remote status monitor maintains a connection to the database, and appears as an icon in the tray area of the task bar for an at-a-glance indicator of the credit engine's current status.
  • Microsoft SQL Server or IBM DB2 database (customer-provided) provides data storage for credit reports, as well as opportunities for retrospective analysis of credit decisions. The MERit Credit Engine comes with detailed explanations of the database schema, allowing system integrators to insert requests, and query for detailed results using ODBC and SQL statements. The database design is capable of storing raw bureau data, data which has been parsed into tables, fully rendered reports, and (optionally) XML credit reports.

XML Credit Reports and Merge

  • Merged reports tools relieve developers from the design and coding issues involved in generating single, double, and tri-merge credit reports. (Option.)
  • XML credit report toolkit option allows for credit report data presentation according to emerging XML standards and the schema or DTD (data type definition) of specific industry groups.
  • Merged XML credit report tool options allow for credit reports according to the Mortgage Banker's Association of America's MISMO standard for XML credit reports, intended to be included with other loan origination data, and allowing its use in Fannie Mae, Freddie Mac, and other underwriting decisions. Normalizes credit data into the XML format required by the specifications, and handles complex logic for (up to) 6-way merging of the required credit report data.

    The credit report toolkit also can provide XML credit reports according to the human resources credit report schema as defined by the HR-XML Consortium.

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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