Net Connect
Portfolio Scoring
Equifax Canada

Credit Report COM Object Handles System-to-System Credit Bureau Data

Software developers can get credit reports with an ActiveX component and API

The OEM edition of the MERit Credit Engine gives software companies integration tools for credit reports. MCE-OEM implements a Component Object Model (COM) interface, local encrypted storage, and direct Internet access to Experian, Equifax, and TransUnion, freeing developers from complex credit bureau protocols and certification requirements.

MCE-OEM adds value to software products in the credit union, banking, finance, collection agency, auto dealership, mortgage, human resources, call center and property management fields. Companies needing consumer credit reports benefit by not having to reenter data into a separate program, with training and support being simplified, as well. Local storage satisfies federally-mandated retention requirements, while making it possible to review credit decisions.

National credit bureaus are dropping modem portals in favor of Internet-only delivery of credit reports, forcing developers and end-users to scramble for a solution. MCE-OEM provides built-in support for Experianís NetConnect II, TransUnion Net Access, or Equifax STS Internet Connectivity. MCE-OEMís browserless direct Internet credit bureau access removes third-party providers and the associated transaction charges from the equation.

MCE-OEM is based on core technology from the MERit Credit Engine, a high-volume, SQL-based enterprise level credit server, used by major credit-granting, tenant-screening, and pre-employment background checking companies since 1999. With attractive multiple-unit OEM pricing, MCE-OEM will appeal to developers whose need is to provide standard credit report and credit score functionality within their software. Open standard XML modules are available for the MISMO and HR-XML specifications.

MERit Credit Systems is a leading provider of software solutions for credit retrieval to Automotive, Human Resources, Financial, Rental or Leasing, Health Care, Insurance, Law Enforcement, Education and Utilities Industries, for businesses requiring quick and effective access to credit information from Equifax, Experian, and Trans Union. MERit has been certified through and provides integration with the three consumer credit bureaus, Equifax (NYSE: EFX), Experian (London Stock Exchange: GUS) and TransUnion. For further information, see


MERit Credit Systems
Telephone 800-717-5170