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

has gained acceptance as the definitive way to handle mission critical credit data retrieval where custom needs must be addressed, and development deadlines must be met.

Look who's using the MERit Credit Engine...


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1st Financial Bank USA, originally established in the year 1910, is committed to providing quality community banking services, and credit card and other financial services to college students and college graduates, from coast to coast, throughout the USA.

US Investigations Services (USIS) completes 2 million plus investigative cases annually for government agencies and commercial companies it serves. USIS is a worldwide provider of security services to corporate and government clients with over 9,000 employees and contractors and over $700 million in annual revenues.

CU Direct Corporation (CU Direct) is the leading provider of indirect lending services for the credit union industry and creator of the Credit Union Direct Lending (CUDL) program. CU Direct network includes approximately 430 credit unions and 5,700 dealerships in 32 states.

Patelco Credit Union is one of the largest credit unions in the country. Patelco has over 220,000 members with assets exceeding $3.8 billion,  supporting 38 branches and a nationwide network of ATMs and service centers.

Kubota Tractor Renews Contract With IBM.  IBM will host the company's websites, including www.KubotaCreditusa.com, a site developed by IBM to support customers who finance through KTC's credit corporation. KTC distributes its products through more than 1000 independent dealers that provide sales and service support.

Onyx Acceptance Corp bought by Capital One Financial Corp.  Capital One Financial Corp., the fifth-largest credit card issuer in the U.S. agreed to purchase Onyx Acceptance Corp. to increase its share of the California auto loan market. According to the Wall Street Journal, the transaction will create the second-largest independent auto lender in the U.S.  Onyx operates the loan business of about 12,000 car dealerships in 37 states.  Onyx (NASDAQ: ONYX)  Capital One (NYSE: COF)

Rentport, Inc, acquired by TransUnion. As a leading provider of online applicant scoring and decisioning solutions for property management,  the Rentport acquisition "expands our capabilities to support the residential leasing market," said Barry Botruff, executive vice president, TransUnion.

Fiserv, Inc. has entered the Fortune 500 ranking of the largest companies in the United States. The provider of financial and health benefits technology ranked 488 on the 2006 listing with $4.1 billion in total revenue. The annual ranking is published by Fortune magazine.

AgriBank, FCB is the wholesale lender and provider of business services for Farm Credit Services. AgriBank has $34.0 billion in assets and $2.0 billion in equity.

ChoicePoint  acquires Resident Data, a leading tenant screening company for the multi-family industry. (NYSE: CPS) ChoicePoint is the leading provider of identification and credential verification services for making smarter decisions.

First American Corporation and US Search Inc. will form a new Resident and Employment Screening company listed as First Advantage Corporation. First American (NYSE: FAF), First Advantage (NASDAQ: FADV

Wright-Patt Credit Union, Ohio's largest member credit union with 151,063 members, assets over $1 billion and one of the largest nationwide, established in 1932.

Monetrics’ Risk Decisioning System ‘FACT Act’ Compliant  Monetrics Decision Engine Stays Ahead of the Competition and Reduces the Risk of Fraudulent Loan Requests.  While the Consumer Bankers Association is appealing to the Federal Government for an extension, Monetrics has been able to not only meet the December 1, 2004 deadline, but also implement the update with no service disruption to their clients.

"MERit Systems has exceeded our high expectations for delivering a quality product with excellent support." State of Rhode Island Student Loan Authority (Education loans)

"MERit has been quick to respond to our requests. Their software was easy to install and integrate with our applications." Unitrin Direct (Automobile insurance) (NYSE: UTR)

"Everything has been working very well. For the most part, they start up MCE and forget about it, which is exactly what we want. We really appreciate your quick response to our issues along the way. We will be able to introduce MCE into some of our other clients." DM&P Information Systems, Inc. (Financial system integrators.)

McDonald Information Service, Inc. (MIS) Assisting in compliance with federal laws and regulations, MIS currently represents more than 4,000 financial institutions worldwide, which include members and their correspondent relationships. Serving major stock brokerages, regional banks, casinos, insurance companies and real-estate developers.

Monetrics and Fiserv Lending Solutions Launch Auto Loan Origination System.

"I can't say enough about the customer service. It's outstanding!"  Avert, Inc.  Avert acquired by Automatic Data Processing Inc. (ADP.)   (NYSE:ADP)

ADP Hiring Index Reveals background checks performed increase 16 percent this year as employers continue to take advantage of pre-employment screening. Forty five (45) percent of credit reports checked showed a judgment, lien, bankruptcy, or had been reported to a collection agency.

"We recognize that none of these accomplishments would have been possible without continued support from our valued partners..." Press releases. Cabazon Band of Mission Indians

"We were able to bring it online with minimal delay because the MCE software handles all of the credit bureau protocols for us, and stores the results into a database that our decision process can easily utilize." LandLord Guard

American Background is a leading provider of employment screening solutions to corporate and institutional clients. American Background Information Services, Inc. is wholly owned by Amsec Enterprises, a risk-management consulting firm with decades of experience in enterprise risk reduction.

APAK Group PLC celebrates 25th Anniversary - APAK is established as a leading provider of core financial systems and services, worldwide. Founded in 1979, APAK's continued success is built on its commitment to providing the best technological and business solutions to major financial institutions. APAK has offices in the UK, Europe and North America.

Autobytel Acquires Stoneage Corporation and CAR.COM. Leading Internet automotive marketing services company Autobytel Inc. announced that it has acquired Stoneage Corporation, one of the nation's top Internet automotive buying services and owner of the popular Car.com website.

Drive Financial Services is a national consumer finance company that specializes in automobile financing for consumers with limited or below-average credit histories. Drive™, now 90% owned by Santander Consumer Finance, enables a business approach that revolves around satisfying the needs of customers.  Its products are distributed through more than 10,000 auto dealer partnerships.

EnerBank USA specializes in unsecured home improvement and  home energy loans through strategic business partners in all 50 states and the District of Columbia. EnerBank USA is a wholly owned subsidiary of CMS Energy Corp. (NYSE: CMS)

First Communications providing service to more than 60,000 customers.  FirstEnergy (NYSE: FE),  a $16.88 Billion Fortune 250 company, acquires an interest in First Communications.

Credit One Bank is one of America's leading issuers of Visa® and MasterCard® credit cards since 1986. With the success of these programs, a credit card processing center in Las Vegas, Nevada was established in 1995.

Franklin Capital Corporation originates and services direct and indirect loans for itself and its sister company, Franklin Templeton Bank and Trust, F.S.B. Automotive and consumer lending activities are related primarily to the purchase, securitization and servicing of retail installment sales contracts originated by retailers and automobile dealerships. Loan programs are offered to serve the needs of prime, non-prime and sub-prime customers throughout the United States.

Humboldt Merchant Services acquired by First National Bank of Nevada. HMS ranks among the top processors of Visa and MasterCard transactions in the nation.

JD Byrider network now includes 13 companies and 109 franchises across 29 states and serves 15,000 people a month.

With 34 stores and five outlets Mueblerías Berríos based in Puerto Rico is the largest retail chain in the Caribbean.

Nowcom Corporation, founded in 1996 as an Internet service provider, quickly evolved into an Internet applications and business solutions development company. Nowcom is able to generate and test-bed new applications in the protected real-world environment of its Internet Data Center, part of the Hankey Investment Group. With roots in the automotive industry, Hankey Group has been in business since 1972, and currently owns nine companies in Southern California. With over $600,000,000 in assets, the companies include financial, real estate, insurance, and technology services companies as well as rental car and dealership operations.

Patterson Dental provides a complete range of consumable dental products, clinical and laboratory equipment, and value-added services to dentists, dental laboratories, institutions and other healthcare providers throughout North America. Patterson Dental has the largest direct sales force in the industry, totaling nearly 1,300 sales representatives and equipment/software specialists serving the United States and Canada. (NASDAQ:PDCO)

Prestige Financial is owned by the Larry H. Miller Group of Companies, one of the 10 largest retail automobile operations in the United States.

RealPage, Inc. offers property management products and services to more than 20,000 apartment communities across the United States, and provides comprehensive screening results in less than a minute.

Rent-A-Center, Inc., headquartered in Plano, Texas currently operates 2,863 company-owned stores nationwide and in Canada and Puerto Rico.  (NASDAQ: RCII)

Rhode Island Student Loan Authority merges with NELnet, the National Education Loan Network. (NYSE: NNI)

Trans Advantage has been serving the moving and storage industry for 30 years, offering a large inventory of tractors, trailers and straight trucks direct from manufacturers, and a comprehensive pre-owned equipment program to satisfy local and long-distance requirements.

The Wittern Group. Beginning in 1931, F.A. Wittern, an inventor and holder of numerous patents for vending equipment, began to assemble a group of individual companies to meet the needs of a changing and growing marketplace. Today, The Wittern Group is involved in every aspect of the automatic merchandising industry from manufacturing to financing, food services to customer education, support services to international sales.

Franklin Credit Management Corporation  (NASDAQ: FCMC) specializing in the acquisition, origination and servicing of residential mortgage loans. Since Franklin’s inception in 1989, they have acquired nearly $2 billion in mortgage assets and have emerged as a leader in the loan acquisition market.

American Express Centurion Bank. Chartered in 1986, American Express Centurion Bank has been providing banking services for over 12 years and have over $11 billion in assets.

DealerCentric delivers a flexible web-based software network enabling Auto Dealers to initiate, decision and process automobile loan transactions with Lenders. DCS differentiates from other software systems by enabling Auto Dealers to qualify online or offline consumers to specific vehicles and lender programs at the beginning of the sales process, taking the guesswork out of structuring deals.

Since 1990, Mighty Net has been dedicated to utilizing current technology to provide services that empower consumers to better manage and protect their credit and possessions.

CommonGoals Software, based in Prescott, Ontario, Canada, was formally known as Next Generation Computer Solutions. TEA, the most recent version of The Exceptional Assistant software, is a complete loan management software for micro-credit organizations. It combines all facets of an organization's operations into a single, integrated, easy-to-use and efficient package.

InfoMart, a founding member of the Association of Consumer Reporting Agencies (ACRA), has earned a reputation as one of the nation's premier applicant-screening companies, serving a diverse client base from NASA contractors and nuclear power plants to neighborhood convenience stores and fast-food restaurants.

First Again LLC, formally Emerald First, is a consumer financial services company located in San Diego, CA. The founders of Emerald First also were the founders of PeopleFirst.com, which became the country's largest online originator of auto loans prior to its sale to Capital One. First Again has designed and built a leading edge technology platform to deliver its innovative consumer financial products nationwide, and has been awarded top customer satisfaction ratings on its LendingTree scorecard.

Auto Refinance Source, Inc. (ARSI) is a financial services company focused on refinancing cars and trucks that meet defined lending criteria. Established in 1995, ARSI operates in over 30 states, covering 80% of the U.S. population.

Five Point Capital has emerged as one of the nation's leaders in small ticket leasing. Founded in 1999 and now serving thousands of businesses nationwide, Five Point Capital has 120 employees and is based in San Diego, California.

COSTEP, the Council for South Texas Economic Progress, was founded in 1972 by former U.S. Senator and Secretary of Treasury Lloyd Bentsen, Jr., and other South Texas political and community leaders. COSTEP, in partnership with numerous Texas lending institutions, is an originator and servicer of low interest, Federal-guaranteed student loans through the Federal Family Education Loan Program (FFELP.)

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