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| Rapid Deployment |
 CreditAPI is designed to be easy to access and simple to deploy. Typical
deployment can be completed within 1 business day. CreditAPI accommodates many
data formats, including XML and MISMO 2.3.1, allowing for fast and seamless communication
between databases. We provide sample code and testing environments to
facilitate a smooth and error-free development process. Most importantly,
our support staff is readily available to personally assist with any
development issues. |
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| Merge Technology |
 CreditAPI
has the ability to merge credit data that is obtained from the three credit
repositories, Experian, Equifax and TransUnion. The amount of consumer credit
data that the repositories track and record is massive and inevitably contains
variations between the bureaus. In order to produce a unified view of a borrower’s
credit record, each of the repository's data needs to be merged together using a
sophisticated algorithm that automatically determines which repository data is
appropriate to use. This is the essence of CreditAPI’s Merge Technology. |
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| Credit Analyzer |
The Credit Analyzer is proprietary software that processes credit data and
generates specific actions that the borrower can take to improve their credit
score.
View a sample Credit Analyzer report >> |
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| Security |
 Due
to the nature of consumer credit report data, CreditAPI maintains extremely
high security requirements. All consumer credit data that is obtained via
CreditAPI is retained on our secured servers. The API uses Secured Socket Layer
(SSL) 128-bit encryption and is certified by CyberTrust, a worldwide leader in
internet security assurance.
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| Credit Attributes |
 Using over 2000 available attributes from the credit bureaus, you can create an efficient and consistent decisioning engine that will provide a more clear picture of your consumer and their overall creditworthiness. These attributes are chosen based on your core business objectives and will help you tailor your decisions to industry specific standards that surpass the depth of a standard credit report. Contact us to obtain the entire list of available attributes. |
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