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

can provide XML merged credit reports for mortgage loan processing.

MISMO, the Mortgage Banker's Association of America's  Mortgage Industry Standards Maintenance Organization, is evolving an agreed-upon way to transmit loan package data among participants in a mortgage loan transaction. The MISMO specification uses XML, the new universal language for Internet data interchange.

The MERit Credit Engine, with its XML and merged credit report options, has been designed to comply with MISMO's credit report requirements.  The following companies are participating in the development of the Mortgage Industry XML standard for credit reporting and mortgage processing.

MISMO Subscriber Companies

a la mode, inc.
ABC Virtual Communications, Inc.
American Land Title Association
American Pioneer Title Insurance Company
AppIntell, Inc.
ARC Systems
Associated Software Consultants
Attorneys' Title Insurance Fund
Bankers Systems
Bradford Technologies
BridgeSpan, Inc.
Calyx Software
Capitol Commerce Mortgage Company
Clayton Group
Connecticut Attorneys Title Insurance Company
Countrywide Home Loans
Credit Suisse First Boston
Decade Systems
Delta Funding
Desert Document Services
Document Systems Inc./DocuMagic
DocuTech, Inc.
Dorado Corporation
Eastern Software
Ellie Mae, Inc.
ELynx, Ltd.
Equifax Mortgage Services
Factual Data Corporation
Fannie Mae
Federal Home Loan Bank of San Francisco
Fidelity National Information Solutions
First American Corporation
First Horizon Home Loan
Flagstar Bank
FNC, Inc.
Focus Solutions
Freddie Mac
Gallagher Financial Systems
GE Capital Mortgage Insurance
GHR Systems
GMAC Residential Mortgage
Greatland Corporation
Greenpoint Mortgage Funding
Guardian Mortgage Documents
Indymac Bank, F.S.B.
LandAmerica Financial Group, Inc.
LOGS Financial Services
McCraken Financial Software
MGIC Investments
Mortgage Systems International
MortgageFlex Systems
MRG Document Technologies
National Closing Solutions
Ocwen Technology Xchange
Old Republic Title
Online Documents, Inc.
PaperClip Software
Pierson Patterson, LLP
PMI Mortgage Insurance Co.
Princeton Financial Systems
Principal Residential Mortgage
Quicken Loans
Radian Guaranty
RDA Corporation
RealEC Technologies
Realty Data Corporation
Reilly Mortgage Group
SAFECO Select Insurance Services
Schwartz & Associates
Silanis Technology
Swiftview Inc.
The Credit Network
The Performance Group
Transamerica Flood Hazard Certification, Inc.
Triad Guaranty Insurance
United General Title Insurance Company
United Guaranty Corporation
VMP Mortgage Forms
Wachovia Corp.
Washington Mutual
Waterfield Mortgage Company
Wellfound Technology, Inc.
ZC Sterling

As of March 2003

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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