MERit Credit Engine Provides Simultaneous Internet Connections to the Three US Credit Bureaus and Two Canadian Credit Bureaus

With simultaneous connections to all three credit bureaus and support for multiple threads and multiple sockets, the MERit Credit Engine provides quick response for interactive credit applications, and impressive throughput for high-volume and batch credit report retrieval applications.

(PRWEB) January 5, 2005 -- The MERit Credit Engine maximizes speed, security, and availability using the Internet, data circuits, or modems. By providing direct access to Experian, Equifax, and TransUnion, the delays and transaction costs of third-party services are eliminated.

Device connectivity is handled by standard 32-bit TAPI handlers provided with Windows NT, Windows 2000, and Windows XP. Protocol connectivity - the proprietary bureau protocols and TCP/IP - are handled transparently by the credit engine.

Experian, Equifax, and Trans Union each have their own protocols for credit bureau Internet security. The MERit Credit Engine supports them all: Experian NetConnect, Equifax Internet STS Connectivity, and TransUnion Net Access.

Always-on connection to bureau data, using secure sockets, and providing compatible with common infrastructure.

The Internet connections used by the MERit Credit Engine are separate from those used for browser access to Internet credit portals. Thus, they are quick, and can be integrated into custom systems without requiring the use of a browser.

The Merit Credit engine is a powerful credit report server and toolkit that makes it possible for Internet or in-house business system to integrate credit report data from any of the US and Canadian credit bureaus: Equifax, Experian, and Trans Union.

Version 3 has added FACT Act compliance: The MERit Credit Engine can help meet deadlines for the federally mandated requirements of FACTA, the Fair and Accurate Credit Transactions Act.

The MCE credit report tools make it practical to map inquiries and results to a custom user interface.

MCE provides for custom credit scoring and routing with the raw bureau data and storing credit data in a way that makes it possible to analyze and refine scoring algorithms.

MERit Credit Systems ( http://creditengine.net ) is a leading provider of server based credit retrieval software. XML (MISMO and HR-XML) modules are also available, as is a three bureau merged report module.

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Contact:
MERit Credit Systems
626-963-8313
http://creditengine.net
salesinfo@creditengine.net