XML Credit Report
XML credit report open standards: MISMO and HR-XML

• MERit Credit Systems announces support of VantageScore(sm) in its MERit Credit Engine (MCE). VantageScore was jointly developed by Equifax, Experian and TransUnion.
  Under the new VantageScore system, credit score variances between credit reporting companies will be as a result of data differences within each of the three consumer credit files and not subjective data interpretation.
• Credit Report XML Standards Supported by Credit Engine
  The HR-XML and MISMO XML credit report format helps developers avoid being locked-in to proprietary formats of specific vendors, web services and credit bureaus.
• Credit Report Access via XML Follows Industry Standards
  Merged credit reports generated by the MERit Credit Engine are available in the Mortgage Industry MISMO XML standard.
• Identity verification fights credit fraud
  Automatic Identity verification using Experian authentication services supported by Credit Engine software.
• Credit report, credit score, and XML ActiveX Tools
  ActiveX Toolkit provides credit report, credit score, and XML components for software developers.
• XML Credit Reports for Employee Background Checks
  XML credit reports in the human resource HR-XML standard layout can be added software applications using the Merit Credit Engine.
• XML Credit Reports Provide Interface to Equifax, TransUnion, and Experian
  Merit Credit Engine simplifies programming for applications that need Equifax, TransUnion, and Experian data.
• COM Object Provides Credit Report Capability
  An ActiveX component for credit report retrieval simplifies custom software and financial application development.
• Software provides credit reports for landlords
  The Merit Credit Engine software provides credit report retrieval for tenant screening as part of LandLord Guard's services to residential rental property management.
• IBM DB2 Middleware Provides Credit Reports
  The IBM DB2 database provides management of credit report data for the MERit Credit Engine, a middleware solution for credit bureau retrieval. Microsoft's SQL Server database is also supported.
• Credit Reports Assist Insurance Underwriting
  Integration of credit reports with an online system for insurance quotes made possible by MERit Credit Engine.
• SDK for TransUnion Canada Credit Reports
  TransUnion Canada credit report retrieval is simplified by the MERit Credit Engine, providing direct access to TransUnion, with SQL, XML, and ActiveX integration.
• XML Credit Reports Use Internet System to System Data
  Software API retrieves and converts Experian NetConnect, Equifax Internet System to System (ISTS), and TransUnion Net Access (TUNA) data to XML open standards for credit reports.
• Batch Credit Scoring of a Loan Portfolio uses Database
  Database of credit reports retrieved by MERit Credit Engine enable batch portfolio scoring and risk modeling.
• Canadian Credit Report API Helps Software Developers
  An interface to Equifax Canada credit reports is available through the MERit Credit Engine, a toolkit for software developers.
• ScoreX Risk Models Available with Credit Reports
  Credit scores using Scorex integrated decision support and analytics can be requested using the MERit Credit Engine, a software API for high-volume credit report retrieval.
• Employment Credit Reports Use XML Standard
  HR-XML provides open standards for credit reports used in employee screening and background checks.
• Merged XML Credit Reports Produced by Software Toolkit
  Software tools retrieve credit reports directly from TransUnion, Equifax, and Experian and merge them for interfacing with other software using open XML standards.