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MERit Releases Version 3.1 of Credit Engine

Enhanced data security and support for new credit bureau products are the focus of the Version 3.1 update to the MERit Credit Engine. In addition, the XML and Merge modules have received new capabilities.

Security Enhancements

Administrators of any credit application are responsible for security measures that cover hardware access, firewalls, global database encryption, password security, database permissions, and other issues.  On top of those measures,  MCE Version 3.1 provides the means to implement 128-bit encryption on bureau-supplied raw data, customer-supplied identification numbers, and bureau access codes while stored. Temporary datasets used in reporting and analysis can be deleted after use, because they can be regenerated as needed from original encrypted data, given the proper credentials.

Credit Bureau Products

Support for Experian's Authentication Systems Level One (AS1) data has been improved. New data fields have been added to simplify programmatic access, and the output report has been improved.

All risk model codes and text have been moved to database tables to simplify  maintenance and updates of this information.

XML and Merge

In some cases, XML standards require data to be categorized more broadly than the original credit bureau data.  Hundreds of bureau-specific codes exist  which must be represented by a much smaller number of XML data types.

Version 3.1 of the MERit Credit Engine adds a reference back to each  original public record and tradeline, making it possible to easily determine the source of each merged liability node.


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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