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Credit Report Toolkit Released by MERit Credit Systems

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

September 22, 2004 -- 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 to parse the data into useable information, and eliminates the risk that changes in human-readable credit report layouts could "break" your program.

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.

SQL Server 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 and Merged credit reports.

MERit Credit Systems, Inc. (http://creditengine.net/credit_toolkit.htm) is a leading provider of desktop and server-based online credit report retrieval software for businesses requiring quick and effective access to credit information from Equifax, Experian, and Trans Union.