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

TransUnion Credit Report Tools and Products

TUNA,  (Trans Union Net Access) provides a secure CPU to CPU TransUnion credit report interface over your Internet connection. TUNA II, the TransUnion Multifactor Authentication protocol, provides enhanced security, and the Merit Credit Engine has been updated to support users in the required transition from legacy systems. The MERit Credit Engine handles the TUNA 2 digital certificates, parsing, storage, and rendering of credit reports, with (optional) XML and merged credit report capabilities.

  • VantageScore SM enabled
  • TransUnion Net Access (TUNA and TUNA2) and CBC Innovis
  • Credit Report (System to System) TU 4 and TU 4.1 FFR
  • Credit Report (TTY)
  • Joint Credit Reports
  • Acquire
  • PEER (Pre-employment Report)
  • Address Verification
  • FACT (Full Account Collection Tool)
  • Hawkeye
  • TRACE (SSN Search)
  • Watch
  • LOOK
  • Phone LOOK
  • Phone Append
  • L2C (Thin File)
  • Fraud Management Platform
  • Inquiry Analysis
  • Empirica and most Trans Union Risk Models
  • TransUnion Canada
  • TransUnion consulting


  • TransUnion Credit Reports in MISMO Format
  • HR-XML TransUnion Credit Reports

If you have a particular need for a Trans Union interface, including Internet connectivity with TransUnion Net Access, please ask!

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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