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Credit Engine Supports Experian Identity Verification

Electronic Fraud Detection Powers New Account Applications

The MERit Credit Engine helps developers integrate fraud detection capabilities into custom software applications. Identity verification through Experian NetConnect provides capabilities that are ideal for secure online transactions and call center operations where it is important to authenticate the applicant.

Regardless of whether an e-business is extending an offer of credit, conducting a financial transaction or fulfilling a product order, fraud is a constant challenge. The higher the product value, the higher the risk. The broader the offer, the larger the percentage of fraudulent responses.

Experian Authentication Solutions provide consumer verification by checking individual data elements against known databases. Most online transactions benefit from this reliable verification and standardization system.

The MERit Credit Engine makes it possible for developers to integrate authentication capabilities into a web site, call center or point-of-sale environment.

The MERit Credit Engine at a glance...

* Internet, leased-line, direct, and dialup connectivity to Equifax, Experian, TransUnion.
* XML credit reports (MISMO and HR-XML)
* Integrates with your user interface.
* No per-report transaction charges
* Credit reports, scores, and other credit data.
* Microsoft SQL Server, IBM DB2, or Sybase SQL Anywhere programming API.
* Compliant with credit bureau Internet security protocols: Experian NetConnect, Equifax STS, and Trans Union Net Access (TUNA).
* Two bureau or three bureau merged reports
* OEM edition acts as a credit report module within software products.

MERit Credit Systems is a leading provider of credit report software solutions 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 provides integration with the three consumer credit bureaus, Equifax (NYSE: EFX), Experian (London Stock Exchange: GUS) and TransUnion. For further information, see:

http://www.CreditEngine.net
MERit Credit Systems
(800)717-5170