Net Connect
Portfolio Scoring
Equifax Canada

Risk Models use Scorex and the MERit Credit Engine

Decision support, scoring, and analytics

Scorex is one of the world's leading credit decision solutions and it can be integrated into custom applications using the MERit Credit Engine. The combination provides unique capabilities for the credit industry's entire customer life cycle.

The Merit Credit Engine (MCE) is a powerful credit report software server and toolkit that makes it possible to integrate credit report data from any or all of the three national credit bureaus (Equifax, Experian, and Trans Union) into web-based or in-house business systems. The MCE credit report tools make it practical to map inquiries and results to your own user interface. Scorex provides custom credit scoring from credit bureau data. MCE can implement Scorex, while storing credit data in a way that makes it possible to analyze and refine the scoring algorithms.

The MCE also provides industry open standards XML reports in the Mortgage Bankers MISMO format as well as the HR-XML format. Three bureau merged reports can also be generated by MCE.

MCE is certified through and provides interfaces with the three consumer credit bureaus, Experian, Equifax and Trans Union.

The MERit Credit Engine is in-use and supported by Human Resources, Automotive, Tenant Screening, Credit Card Processing, Online Consumer Credit Reports, Rental/Lease, Collections, Insurance, Online Merchants, Stock Market, Banking, Federal, State, and County Governments, Student Loans, Medical Finance, Credit Unions, Scoring Systems, and Public Utilities.

Scorex utilizes the latest technology that has been developed and can be deployed globally across any vertical market. The solutions help organizations make better, faster customer acquisition and management decisions while attaining tactical and strategic business objectives.

Scorex supports more than 800 major global clients representing a broad spectrum of consumer entities. Scorex has offices in 28 countries supporting clients in over 50 countries worldwide.

MERit Credit Systems is a leading provider of desktop and server-based credit report retrieval software to access credit information from Equifax, Experian, and Trans Union. For Further Information Contact:

MERit Credit Systems