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 Online credit reporting has evolved. Over the last decade, the means of gathering a consumer's credit file has improved from a phone call to a modem dialup to the internet. Web-based systems exist today that provide the means of obtaining a consumer's credit report for viewing within a web browser. Credimetrics takes it a step farther by providing a comprehensive set of decisioning data streams and report formats directly to your online loan processing or credit reporting system. CREDIMETRICS WEB SERVICE With Credimetrics, this evolution has extended to the modern means of data acquisition via a Web Service. Using the Credimetrics SOAP Web Service, ANY system with an internet connection can instantly and seamlessly interface with the best credit reporting technology to-date. HIGH SPEED SECURE ONLINE SERVICE The Credimetrics Merge System employs a DigiCert 128 bit secure socket layer certificate and a complex firewall system to ensure a highly secure merged data request and response through its high speed internet connection. What's more, Credimetrics uses the same high-speed connection to interface with all three national credit repositories. Typical requests for a three-bureau merged product are fulfilled and returned online to the SOAP-based, Web Service user in less than 10 seconds! FREE WINDOWS CLIENT DLL The Credimetrics system can be accessed by any system capable of formatting an XML document and communicating with a SOAP-based server. For Windows environments, Credimetrics offers a free, easy-to-use ActiveX Client component that takes care of formatting the XML, handling the dialogue and even extracts the returning data and writes it to disk for you. Simply fill out a few parameters and let the Credimetrics Merge Client do the rest. XML DATA STREAMS AND REPORT FORMATS Credimetrics provides a merged or un-merged XML data set in a stacked, pick or blended merge fashion. This enables lending systems as well as direct-to-consumer fulfillment systems to choose the right data stream for the right application. Additionally, Credimetrics can provide an eye-readable lending credit report as well as a handsome, multi-font, colorful, direct-to-consumer credit report. Requests and responses regardless of the desired output format, are conveyed through a simple, flexible request and response XML data stream. Full documentation, schemas and sample files are available. ADVANCED MERGE CAPABILITY Credimetrics utilizes its Credit++ Toolkit's Merge Assistant to provide the most comprehensive merge yet. Tradelines, Collections, Addresses, Employments, Inquiries and Public Records are merged using a variety of methods including both Pick and Blend merging options. PRBC NON-TRADITIONAL BILL PAYMENT DATA Credimetrics is the exclusive distributor of non-traditional bill payment data provided by PRBC, the leading provider of bill payment data. XML data, reports and the PRBC Bill Payment ScoreCard are available as stand-alone products or as an enhancement to a merged or un-merged credit bureau product. OFAC DATABASE SEARCH Credimetrics provides a comprehensive suspicious persons report from the United Stated Treasury Department's OFAC Datebase. The consumer's name and address is used to search this database to produce a list of 'hits' contaning a suspicious person's name, aliases and last known addresses as well as notes describing the suspicious activity. RETRIEVE MULTIPLE PRODUCTS ON A SINGLE ACCESS Select multiple product codes including Merged XML, Merged Reports, Decisions, OFAC Search and other products on a single access. CUSTOM DECISIONS Your lending polocies or decision-making rules are easily written into a Credimetrics decisioning script. The Script can be referenced by name and used to return specific values such as "Pass/Fail" and "Reasons". Additionally, other business variabled can be submitted to the script in the transaction. PASS-THRU BUREAU PRODUCTS Order Social Searches, Raw Bureau files, DTEC, Employment Reports and other products from Equifax, Experian and TransUnion and Credimetrics will pass those files directly to you. CONTACT CREDIMETRICS FOR MORE INFORMATION
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