Product Catalog
Every product CRS resells, from twelve data providers.
CIC
Criminal Report
Screening solution that delivers up-to-the-minute, FCRA-compliant criminal history data from across all U.S — 1.8B+ criminal records. jurisdictions. With comprehensive coverage and built-in audit logs, it streamlines your compliance workflows, empowers smarter risk decisions, and scales seamlessly as your business grows.
KYC / KYB
CIC
Eviction Report
Screening solution that provides FCRA-compliant eviction history data from courts nationwide — 24M+ housing records. With detailed case insights and secure audit trails, it simplifies your tenant risk assessments, accelerates decision-making, and scales effortlessly alongside your growing portfolio.
KYC / KYB
CIC
Tenant Rental Verification (Additional Year)
Tenant Rental Verification Year 1 is an FCRA-compliant Tenant Rental Verification report for Tennessee properties, delivering a tenant’s rent payment history for an additional year after Year 1, lease-term compliance and any recorded lease violations in one streamlined CIC dashboard—so landlords get the insights they need, fast.
KYC / KYB
CIC
Tenant Rental Verification (Rejection)
Tenant Rental Verification Rejection is an automated tenant-screening solution that taps into CIC’s comprehensive Tenant Risk Verification data specifically for Tennessee applications. When an applicant falls outside your pre-configured risk thresholds, it instantly generates a fully compliant rejection notice—complete with clear reason codes—to streamline adverse-action workflows and minimize manual overhead.
KYC / KYB
CIC
Tenant Rental Verification (Year 1)
Tenant Rental Verification Year 1 is an FCRA-compliant Tenant Rental Verification report for Tennessee properties, delivering a tenant’s first-year rent payment history, lease-term compliance and any recorded lease violations in one streamlined CIC dashboard—so landlords get the insights they need, fast.
KYC / KYB
Command Credit, Experian
Business Credit Report
The Experian Business Credit Report delivers comprehensive, actionable insights into a company’s financial health. It includes trade payment history, public records (liens, judgments, bankruptcies), UCC filings, demographic/business data, and proprietary scores like Intelliscore and Financial Stability Risk Rating. It helps lenders, suppliers, and risk teams make informed decisions quickly and confidently.
Commercial Credit
Command Credit, Experian
IntelliScore Report
Command Credit’s on-demand portal and APIs let you pull Experian’s IntelliScore Plus V3 (score range 300-850, 24-month default horizon, logistic-regression or machine-learning model) together with key commercial file details, Payment & Legal summaries and optional blended-owner data — all in a single JSON, XML or PDF hit. You get the identical predictive power Experian sells direct, but with Command Credit’s pay-as-you-go pricing, tri-bureau ordering menu and bulk/batch scheduling. We offer both IPV2 & IPV3 Models
Commercial Credit
Equifax
(Monthly) 1 Bureau Consumer Credit Report
A subscription service that gives consumers on-demand access to their Equifax credit file, refreshed every 30 days, plus automated alerts whenever new inquiries, accounts, public-record items, or significant balance changes hit their Equifax report.
Credit Monitoring
Equifax
(Monthly) 1 Bureau Consumer Credit Report with Monitoring and Identity Tools
A lightweight subscription that refreshes your Equifax consumer credit report and VantageScore every 30 days, keeps a real-time watch on your file for new accounts, inquiries, or negative items, and wraps in one-tap Equifax Report Lock plus identity-theft support tools so you can spot—and stop—fraud fast.
Credit Monitoring
Equifax
(Monthly) 1 Bureau Consumer Credit Report with Multi-Bureau Updates and Identity Tools
Get a fresh Equifax consumer credit report and VantageScore 3.0 every 30 days, while Equifax watches all three bureaus (Equifax, Experian, TransUnion) for new inquiries, accounts, public-record filings, or major balance changes. The service also lets you lock/unlock your Equifax file in seconds.
Credit Monitoring
Equifax
(Monthly) Optimal Path
Optimal Path is an AI-driven “credit-score GPS” that analyses a consumer’s live Equifax credit file, lets the user set a target FICO®/Beacon score and time horizon (3- to 12 months), and then returns a personalised, month-by-month action plan—e.g., “pay Card A to < 30 % util by 9 Oct, keep Card B below $200,” with progress recalculated after each bureau refresh. The service is exposed as a lightweight REST/JSON API or single-page widget that drops into any digital-banking, BNPL, credit-education or D2C-fintech app.
Credit Monitoring
Equifax
(Monthly) TriMerge Credit Report
A lender-grade file that consolidates consumer credit data from Equifax, Experian, and TransUnion into one report refreshed every 30 days. The service delivers three bureau-specific FICO (or VantageScore) scores, plus trended payment data going back up to 24 months — helping underwriters see not just a borrower’s current balance but how that balance is moving over time.
Credit Monitoring
Equifax
(Monthly) TriMerge Credit Report with Multi-Bureau Updates and Identity Tools
Monthly TriMerge Credit Report from Equifax delivers a full three-bureau credit review — Experian, Equifax, and TransUnion—on a monthly basis, enhanced with identity protection tools and multi-bureau updates. Designed for lenders, brokers, and identity monitoring services, it's a trusted choice for comprehensive credit insight and fraud detection
Credit Monitoring
Equifax
(Weekly) 1 Bureau Consumer Credit Report
A subscription service that gives consumers on-demand access to their Equifax credit file, refreshed every 7 days, plus automated alerts whenever new inquiries, accounts, public-record items, or significant balance changes hit their Equifax report.
Credit Monitoring
Equifax
(Weekly) 1 Bureau Equifax Consumer Credit Report with Monitoring and Identity Tools
A lightweight subscription that refreshes your Equifax consumer credit report and VantageScore every 7 days, keeps a real-time watch on your file for new accounts, inquiries, or negative items, and wraps in one-tap Equifax Report Lock plus identity-theft support tools so you can spot — and stop — fraud fast.
Credit Monitoring
Equifax
(Weekly) 1 Bureau Equifax Consumer Credit Report with Multi-Bureau Updates and Identity Tools
Get a fresh Equifax consumer credit report and VantageScore 3.0 every 7 days, while Equifax watches all three bureaus (Equifax, Experian, TransUnion) for new inquiries, accounts, public-record filings, or major balance changes. The service also lets you lock/unlock your Equifax file in seconds.
Credit Monitoring
Equifax
(Weekly) TriMerge Credit Report with Multi-Bureau Updates and Identity Tools
Monthly TriMerge Credit Report from Equifax delivers a full three-bureau credit review — Experian, Equifax, and TransUnion—on a weekly basis, enhanced with identity protection tools and multi-bureau updates. Designed for lenders, brokers, and identity monitoring services, it's a trusted choice for comprehensive credit insight and fraud detection
Credit Monitoring
Equifax
ACRO File with Trended Data and FICO
A single, cloud-ready credit file that merges 24 months of trended trade-line history, a live FICO Score (incl. Score 10 T where contracted), extended fraud/MLA alerts, and >2,000 raw and derived attributes into one JSON or FFF/XML payload. Lenders get a richer risk picture than a “snapshot” file, delivered in milliseconds through Equifax’s developer APIs or legacy STS connections.
Mortgage
Equifax
Bankruptcy Credit Report
A single hard-inquiry request pulls the full Equifax File One® credit file and appends BNI 5.0, a 1-to-999 bankruptcy-risk score built on Metro 2® tradelines, inquiries and refreshed public-record feeds. The report highlights any open or discharged Chapter 7/11/12/13 filings, tags affected tradelines, and returns the score plus four reason codes in the same ACRO XML/MISMO/JSON response (≤ 2 s round-trip). BNI 5.0’s gradient-boost model lifts KS 17 % over the prior generation and predicts the likelihood of a consumer filing bankruptcy within the next 24 months.
Consumer Credit
Equifax, Experian, TransUnion
Bankruptcy Score
Experian Bankruptcy PLUS℠, Equifax Bankruptcy Navigator Index (BNI), and TransUnion CreditVision Bankruptcy Score.
Consumer Credit, Add-Ons
Equifax
Batch Account Review
Equifax Batch Account Review™ lets you proactively monitor your existing customer portfolio by appending fresh credit and behavioral data in batch mode. It scans portfolios on your schedule—daily, weekly, or monthly—to surface changes in credit lines, balances, inquiries, public records, and risk indicators—empowering you to react to at-risk accounts faster and with more confidence
Consumer Credit
Equifax
Business Credit Report 2.0
A next-gen commercial credit file that blends firmographics, 24 months of trade-line trends, Equifax OneScore for Commercial, Payment Index™, Financial Stability Risk Score (FSR), public-record intelligence, and inquiry history into one cloud-ready payload (JSON, XML/FFF, or PDF). Delivered in sub-second API or batch, BCIR 2.0 gives lenders and suppliers a deeper, forward-looking view of small-business risk than “static” bureau pulls
Commercial Credit
Equifax
Business Identity Report
Powerful, real-time tool for verifying business identities and their principals with high confidence. It combines firmographics, risk scoring, public record monitoring, and smart correction—all delivered through fast real-time or batch channels—making it ideal for streamlined onboarding, fraud mitigation, and compliance workflows. This product verifies the business entity itself.
Commercial Credit
Equifax
Business Principal Report + FICO Classic
Verifies the individual(s) behind the business — such as owners, executives, or guarantors.
Commercial Credit
Equifax, Experian, TransUnion
CRS Fraud Finder
CRS Fraud Finder, powered by AtData, leverages one of the industry’s largest email intelligence networks—spanning over 2.5 billion addresses and billions of monthly behavioral signals. Integrated directly into the CRS platform, this proprietary system delivers real-time email validation (SafeToSend), AI-driven domain risk scoring, engagement-level Quality Scores, and behavioral insights—all accessible via API or embedded into CRS workflows.
Consumer Credit, Add-Ons
Equifax
Credit Report
A single “credit-extension” request posts a hard inquiry on the borrower’s Equifax file and returns the entire File One® tradeline, inquiry, public-record and alert sections, optional Beacon 9.0 / FICO 5/9 / VantageScore 4.0 scores, and FraudIQ®, OFAC and MLA flags in ≤ 2 s. Delivery options include the ACRO 6.0 XML, MISMO 3.4, JSON (“TotalView/STS”) and SFTP batch. Add-on switches embed 24-month Ignite Trended™ balances, IncomeView, The Work Number® payroll data or Undisclosed-Debt alerts in the same schema—no new endpoint.
Consumer Credit
Equifax
Credit Report (Hard Inquiry)
Equifax’s Credit Report (Hard Inquiry) provides comprehensive consumer credit information that is accessed during credit application reviews where consumer consent is obtained. This includes detailed tradeline data, public records, collections, and inquiry history — critical for underwriting decisions in lending, tenancy, and other regulated scenarios. This report is compliant with FCRA guidelines and is used to assess creditworthiness during applications for products such as auto loans, mortgages, credit cards, or tenant screening. It typically triggers a temporary decrease in the consumer’s credit score due to the nature of a “hard pull.”
Consumer Credit
Equifax
Credit Report Canada
A real-time, hard-inquiry credit report built from Equifax Canada’s File One® database. Lenders, fintechs and housing-counsellors pull the file via secure web console, MISMO/XML, SFTP batch or the Equifax Developer API; the response contains the full trade-line and inquiry sections, public-record alerts, ID/fraud flags and an optional BEACON® 9.0 or VantageScore 4.0 risk score.
Consumer Credit
Equifax
Credit Report with Trended Data (Mortgage)
A single pull gives you the complete Equifax File One® mortgage report plus 24 months of “Ignite Trended™” balances, scheduled- vs-actual payments and utilization for every revolving and installment tradeline. The file can be issued as a soft inquiry for pre-qualification (no score hit) or as a hard inquiry for DU®/LPA uploads; the only difference is a flag in the identical ACRO 6.0 XML / MISMO 3.4 / JSON wrapper. Trended fields already map to DU/LPA, so underwriters get deeper capacity insight with zero re-engineering
Consumer Credit
Equifax, Experian, TransUnion
Credit Summary
Consumer Credit
Equifax, Experian, TransUnion
Data Furnishing
Our Data Furnishing service enables lenders, property managers, and financial service providers to report consumer credit data directly to Equifax, Experian, and TransUnion. By furnishing tradeline data, you help customers build credit history while improving portfolio transparency and risk assessment across the ecosystem. Our service ensures FCRA compliance, supports Metro 2 formatting, and includes onboarding, testing, and ongoing support.
Data Furnishing
Equifax
Employment Background Screening Report
A single, FCRA-permissible report that blends a soft-inquiry Equifax credit profile (tradelines, inquiries, public-record alerts, Beacon score + codes) with instant, payroll-sourced employment records from The Work Number®. Credentialed screeners receive the file in < 2 s via web console, REST/XML or SFTP; because it is coded as an employment soft hit, the candidate’s score is untouched and no trigger-marketing alert fires at Experian or TransUnion. The new Employment Flex variant even lets screeners preview every employer on file (604 M+ records, 2.6 M contributing firms) and pay to return only the ones they need, speeding turnaround and slashing pass-through costs.
Employment
Equifax, Experian, TransUnion
FICO Score Models
Consumer Credit, Add-Ons
Equifax
Housing & Credit Counseling Report
Designed for HUD-approved housing- and credit-counseling agencies, the HCC report is a soft-inquiry, tri-bureau (or Equifax-only) credit file that counsellors can review with the consumer, print, and leave behind without harming the client’s FICO®/Beacon® score or triggering lender “pre-screen” marketing. Pulled in seconds through a secure web console, SFTP batch or MISMO/XML API, the file contains the full File One® trade-line section, public-record alerts, inquiries, plus an educational Beacon 9.0 score and three reason codes. Because it’s coded with the “housing-counseling” permissible purpose, the report complies with CFPB and HUD rules that let nonprofit counsellors share the file with consumers.
Consumer Credit
Equifax
Income Score
Income Score is a non-FCRA data product that estimates an individual’s household income using alternative data (e.g., public records, property ownership, self-reported salary), not sourced from credit bureaus. It's designed for marketing segmentation, affordability assessments, and persona modeling—ideal when verifying income via credit isn't feasible or desirable
Consumer Credit, Add-Ons
Equifax, Experian, TransUnion
Merged Bankruptcy Credit Report
A single pull that consolidates the full consumer files from Experian, Equifax and TransUnion into one standardized report and flags every open or discharged bankruptcy, plus all supporting trade-line, public-record and inquiry details. Third-party integrators such as Universal Credit Services (UCS), CRS Credit API and NextChapter automatically de-duplicate the three bureaus’ data, map it to petition schedules or underwriting schemas and return it as PDF, CSV or JSON in under 2 seconds. Attorneys use it to pre-fill Schedules D/E/F and verify creditor lists; lenders use it to spot undisclosed BK filings before funding.
Consumer Credit
Equifax, Experian, TransUnion
Merged Bankruptcy Report
A one-click, de-duplicated pull of the Experian, Equifax and TransUnion files that highlights every open or discharged bankruptcy petition plus all associated trade-lines and creditor details. Resellers such as Universal Credit Services (UCS), CRS Credit API, Informative Research and the NextChapter legal platform hit each CRA at hard-inquiry level, collapse duplicate tradelines, assign the correct Schedule tag (D/E/F) and return a single PDF / CSV / JSON in 2–3 seconds.
Consumer Credit
Equifax, Experian, TransUnion
Merged Hard Inquiry Credit Report
A merged hard-inquiry report pulls the full consumer files from two (bi-merge) or all three (tri-merge) national CRAs, de-duplicates matching tradelines and inquiries, and returns a single, lender-friendly layout with FICO® 5/4/2 scores. Mortgage and auto lenders order the file through resellers such as Informative Research, CRS Credit API or Universal Credit Services, while the bureaus record one hard inquiry each. Turn-time is typically 1-3 seconds for API/XML and < 10 seconds for MISMO PDF delivery.
Consumer Credit
Equifax, Experian, TransUnion
Merged Housing & Credit Counseling Credit Report
A soft-inquiry, two- or three-bureau report built expressly for HUD-approved housing- and credit-counseling agencies. One pull merges Experian, Equifax (Beacon 9.0) and TransUnion data, de-duplicates tradelines and inquiries, and appends an educational score plus three reason codes. Because it’s coded with the “housing-counseling” permissible purpose, counselors may print it, review it with the client and leave a copy behind without harming the consumer’s FICO®/Beacon or triggering cross-bureau “trigger mail.” Leading wholesalers (e.g., CRS Credit API, UCS, Avantus) deliver the file in < 3 s via web console, CounselorMax®/HomeKeeper plug-ins, REST/XML or SFTP, at ≈ US $26–35 per borrower.
Consumer Credit
Equifax, Experian, TransUnion
Merged Tenant Screening Credit Reports
It’s a resident-screening file that pulls credit data from two (bi-merge) or all three (tri-merge) national CRAs, de-duplicates identical tradelines and inquiries, and then layers in rental-specific items—eviction records, landlord/tenant judgments, SafeRent or ResidentScore risk models, income verification and fraud checks—so property managers see one clean, FCRA-permissible report instead of three raw bureau files.
Consumer Credit
Equifax, Experian, TransUnion
Military Lending Act
The Military Lending Act (MLA) is a U.S. federal law that provides special protections to active-duty service members and their covered dependents when they apply for certain types of consumer credit. It was enacted in 2006 and expanded in 2015 to include more credit products and stronger enforcement rules.
Consumer Credit, Add-Ons
Equifax
OffersIQ
OffersIQ qualifies leads before they formally apply to increase approval odds, application rates, and brand trust without slowing growth or exposing data.
Consumer Credit, Commercial Credit
Equifax, Experian, TransUnion
Office of Foreign Assets Control (OFAC)
The U.S. Treasury’s Office of Foreign Assets Control (OFAC) Sanctions List Service is the primary, authoritative data feed of Specially Designated Nationals (SDNs) and other blocked or sanctioned parties. Updated as often as multiple times per day, SLS lets compliance teams download the SDN and Consolidated Non-SDN lists in XML, CSV, fixed-width, or pipe-delimited formats or pull them via a lightweight REST/FTP endpoint. Each record carries unique IDs, program tags, known aliases and birth/incorporation data, giving screening engines the raw material they need to flag prohibited counterparties at account opening, in payments flows, or during trade compliance checks.
Consumer Credit
Equifax, Experian, TransUnion
Premier Attributes
A 2,100-plus-variable library of pre-calculated credit attributes that condense Experian’s File One® data (and, when requested, Trended 3D™ history and select alt-data) into model-ready fields.
Consumer Credit, Add-Ons
Equifax
Prequalification Credit Report
A soft-inquiry, full-file credit report that lets lenders or marketplaces show a consumer the real credit terms they might qualify for before a formal application—so there’s no score hit and no prescreen-trigger marketing alerts. The service (branded Pre-Qualification, Pre-Qualification PLUS for mortgage, or Prequalification of One for general credit) delivers the entire Equifax File One® trade-line section, inquiries, public-record alerts and optional FICO®/VantageScore® in < 2 s through the Equifax Developer REST/XML API, SFTP batch or MISMO feed. Rules and cut-offs can be hosted by Equifax or your own engine, and you can pull 1-, 2- or 3-bureau merged files with a single flag change.
Consumer Credit
Equifax
Prequalification Credit Report Canada
A soft-inquiry, Beacon-score credit file that lets Canadian lenders, fintechs and marketplaces pre-qualify a consumer (or small business guarantor) without posting a hard inquiry or triggering trigger-marketing from the other bureau. The API or SFTP call returns the full Equifax File One® tradeline section, inquiries, public-record alerts and an optional Beacon 9.0 or VantageScore 4.0—all in ≤ 2 seconds. Because it’s a “consent-based soft hit,” the borrower’s score is untouched and can be promoted to a hard pull or dual-bureau merge later by flipping a single flag in the same XML.
Consumer Credit
Equifax
Prequalification with FICO (Mortgage)
A lender-facing Equifax service that lets you pull the borrower’s complete File One® credit report and a FICO® Classic 5 mortgage score (or Beacon 9.0 / VantageScore 4.0) under a soft inquiry. Because the pull is coded “mortgage pre-qualification,” the borrower’s score is untouched, rival bureaus never see the inquiry (no trigger marketing), and you keep the option to “promote” the very same file to a hard inquiry—or to a bi- / tri-merge—later by flipping one flag in the ACRO XML / MISMO feed.
Consumer Credit
Equifax, Experian, TransUnion
Telecommunications, Energy, and Cable (TEC) Score
TEC Connect™ is a predictive risk model used by telecom, energy, and cable providers. It estimates the likelihood a consumer will become seriously delinquent or disconnected on utility-based accounts, using a 400–900 scoring scale aligned with traditional credit models
Consumer Credit
Equifax
Tenant Screening Credit Report
Equifax Tenant Screening Credit Report is a comprehensive, FCRA-compliant solution designed specifically for the multifamily rental market. Embedded in Equifax’s TotalVerify and AssuredTenant platforms, it provides a complete package—credit report (soft pull), FICO score, eviction and criminal records, rental and employment verifications, and landlord-reported rent payment history—all delivered securely via web interface or API
Consumer Credit
Equifax, Experian, TransUnion
Trended Data
Trended credit data is an enhancement to traditional credit reports that shows how a consumer's credit behavior has changed over time, not just where it stands today. Unlike standard credit files—which offer a snapshot of current balances, credit limits, and payment status—trended data includes up to 24–30 months of monthly activity for each tradeline. This includes historical data on: Balances, Credit limits, Minimum vs. actual payments, Utilization trends, Payment amounts and timing and Delinquency patterns. By analyzing these time-series data points, lenders and decision-makers gain deeper insight into consumer intent and behavior, such as whether someone consistently pays down balances or revolves credit.
Consumer Credit, Add-Ons
Equifax, Experian, TransUnion
Vantage Score Models
VantageScore is a credit-scoring system jointly created by Equifax, Experian, and TransUnion. It offers consistent tri-bureau scores (300–850 scale from versions 3.0 onward) with advanced data features like trended attributes, machine learning, and inclusion of thin-file borrowers, aiming to provide reliable risk insights and broader scoring coverage
Consumer Credit, Add-Ons
Experian
Business Principal Report
Experian’s Business Principal Report links the personal credit file of an owner / guarantor with the commercial credit, public-record, fraud and linkage data for every business they touch. Returned in real-time JSON/XML, batch, or PDF, it rolls up 24 months of tradeline behaviour, blended risk scores, OFAC/fraud alerts and a full association graph so lenders can see the person and every venture behind the application.
Commercial Credit
Experian
Credit Report
A full, FCRA-permissible hard pull of Experian’s File One®. You receive every tradeline (with the 24-month payment grid), collections, public-record alerts, recent inquiries, ID/OFAC flags and optional FICO® 2/5/4 or VantageScore 4.0—all returned in ≤ 2 s through the v6 XML/JSON API Hub, MISMO feed, SFTP batch or the Experian Access web console. Because the request is coded “credit-extension,” a hard inquiry is posted on the borrower’s Experian file and is visible to other lenders (may cost 1-5 score points).
Consumer Credit
Experian
Credit Report with Trended Data (Mortgage)
A hard-inquiry File One® report enhanced with Experian’s Trended 3D™ attribute set: 24 months of month-by-month balances, credit-limit trajectories, scheduled vs. actual payments and last-payment dates for every revolving and installment tradeline. The file lands in ≤ 2 s through the v6 XML/JSON API Hub, MISMO 3.4, ACRO batch or the Experian Access console; flip a single flag to add FICO® 2/5/4 or VantageScore 4.0 and Fraud Shield® in the same payload. ✦ Most mortgage LOSs simply map the new “TR3” segment and pass the richer data straight into DU/LPA or your own AUS.
Consumer Credit
Experian
Employment Insight Credit Check
A consumer-consented, FCRA-permissible credit report built specifically for employment screening. Employers (or CRA partners) pull a soft inquiry—so the applicant’s score stays intact—and receive the full File One® trade-line and public-record sections, plus optional Fraud Shield℠, Direct Check℠ ID alerts and up to three score/reason-code bundles (e.g., VantageScore 4.0).
Consumer Credit
Experian
Experian Ascend Batch Request
Part of the Ascend Technology Platform, Ascend Batch Request is a self-service utility that lets you drop a list of thousands—or millions—of consumer or account IDs into Experian’s cloud and get back full-file credit data, 20 years of history, 2 000+ bureau & alternative attributes, custom scores, trended variables and even your own features in a single flat file or parquet object. Requests run on the same elastic cluster that powers Ascend Analytical Sandbox, so results that used to take days land in hours, delivered over secure SFTP, AWS S3 or REST pickup.
Consumer Credit
Experian
Experian Power Profile Report (Hard Inquiry)
Power Profile is Experian’s full-file consumer credit report requested under the ordinary “extension-of-credit” permissible purpose, so it posts a hard inquiry that is visible to other lenders and may affect the borrower’s score. Lenders get the complete File One® report (trade lines, public records, inquiries, Fraud Shield, trended data and optional FICO / VantageScore) in < 2 s via REST/XML, SFTP, MISMO 2.x or the Experian Mortgage Connect plug-in. It’s the same data set used in a tri-merge, but because it comes straight from Experian you avoid cross-bureau trigger marketing and can decide if/when to pull the other repositories.
Consumer Credit
Experian
Experian Power Profile Report (Soft Inquiry)
Power Profile Plus lets a lender pull Experian’s entire File One® credit report under an “extension-of-credit” soft inquiry at the very first application touch-point. Borrowers see no score impact and rivals don’t get a trigger-marketing alert. If the deal moves forward, the lender can (optionally) post a hard inquiry later in the same workflow—so the first pull can be reused for DU/LPA or other underwriting steps.
Consumer Credit
Experian
Experian Verify
A real-time, secure employment and income verification. It connects instantly to an extensive payroll network, with fallback to permissioned verification when needed — streamlining onboarding and loan processing while reducing decision risk
KYC / KYB
Experian
Experian Verify (Prequalification)
A cloud-native service that pulls instant payroll data on 45 M+ U.S. and Canadian employees (and growing) directly from employer systems or major processors
KYC / KYB
Experian
Income Insight
Experian Income Insight™ is a credit-based, non-FCRA model that estimates a consumer’s total household income—including wages, rent, alimony, investments—using verified bureau-exclusive predictors. It delivers real-time or batch results integrated with credit reports or portfolios, enabling rapid and accurate assessment of borrowers’ ability to pay
Consumer Credit, Add-Ons
Experian
Income Insight W2
Income Insight W2℠ is a real-time, credit-based income estimation model that focuses exclusively on wage income, derived from verified W-2 data and proprietary Experian credit attributes. It provides a faster, more cost-effective way to validate self-reported wages—supporting critical processes like underwriting, promotions, account management, and strategic segmentation
Consumer Credit, Add-Ons
Experian
Parallel Profile
A supplemental consumer profile that runs alongside Experian’s primary credit reporting, providing enriched identity insights including demographic data, alternative identifiers, and verification checks that enhance decisioning where traditional credit data alone isn’t sufficient
Consumer Credit
Experian
Portfolio Manager Score Update
A cloud, self-service refresh that lets you re-score any slice of your existing consumer loan book in three clicks: choose the Experian scores you want (VantageScore®, FICO® Score 8/9, Income Insight℠, Bankruptcy PLUS℠, Scorex PLUS℠), upload a simple Excel or CSV file through Experian Access℠, and download a results file — usually inside 24 hours, faster for <5,000 records. Scores are pulled directly from File One® so you see how each customer is paying other credit grantors right now; use the output to bump limits, trigger retention offers, or fast-track collections.
Consumer Credit, Commercial Credit
Experian
PreScreen
Experian Prescreen is a credit-marketing solution that lets lenders, card issuers, credit unions, and fintechs generate firm offers of credit (as defined by the Fair Credit Reporting Act) to consumers or small businesses who already meet their risk criteria—without a hard inquiry on the applicant’s file. By combining Experian’s frequently refreshed credit database with flexible campaign-fulfilment options, Prescreen turns raw credit data into highly targeted, compliant prospect lists that drive response rates and lower acquisition costs
Consumer Credit
Experian
Precise ID Account Opening (Score Only)
A single-numeric fraud-risk score (range 0–999) returned in milliseconds that predicts the likelihood an applicant’s identity is synthetic, stolen, or first-party-fraudulent. This is an FCRA covered product.
Consumer Credit
Experian
Precise ID Account Opening w/OTP & KIQ
A configurable step-up authentication layer that adds either a low-friction One-Time Passcode (OTP) or a dynamic Knowledge IQSM quiz (out-of-wallet KIQ) when Precise ID’s passive fraud-score crosses your risk threshold. This is an FCRA covered product.
Consumer Credit
Experian
Precise ID Screening (Score Only)
A single, three-digit fraud-risk score (0 – 999) that screens new customer or applicant identities in real time, without adding step-up questions or OTP. This is an GLBA covered product.
Consumer Credit
Experian
Precise ID Screening with OTP & KIQ
A single API call returns the Precise ID fraud-risk score (0–999) and three reason codes; when the score crosses your risk threshold, the same payload can automatically trigger either a One-Time Passcode (OTP) or a dynamic Knowledge IQ (KIQ) out-of-wallet quiz. This is an GLBA covered product.
IDV
Experian
Prequalification Credit Report
A consumer-consented, soft-inquiry version of Experian’s full File One® report: all trade-lines, inquiries, public-record alerts and optional VantageScore® or FICO® land in ≤ 2 seconds through Experian’s API Hub, MISMO feed or SFTP batch. Because the pull is a soft inquiry, the borrower’s score is untouched and rival lenders see no trigger data; if the consumer proceeds, the same call can be upgraded to a hard pull (or to a tri-merge) with a single flag change
Consumer Credit
Experian
Tenant Screening Credit Report
Experian Tenant Screening Credit Report is a consumer permissioned credit and background screening solution tailored for the multifamily and rental sector. It delivers fast, compliant access to key credit data—such as credit score, tradeline and payment history, public records (bankruptcies, judgments), and verified rental payment history—providing landlords and property managers a clear view of applicant reliability and financial risk. Additionally, it includes employment and income verifications when opted-in, streamlining tenant qualification
Consumer Credit
Experian
iScreen
Experian iScreen℠ is a self-service, browser-based prescreen tool designed for efficient prospecting. It allows marketers and lenders to define credit and demographic criteria—such as risk scores, income ranges, geography, or behavioral models—and instantly generate prospect lists from Experian’s consumer database. It supports ZIP‑radius, state/county filters, and phone append, with flexible attributes like demographics, credit scores, and income insights. The platform operates 24/7 via a secure website, eliminating hardware needs, and uses a convenient pay-as-you-go pricing model
Consumer Credit
FICO
Liquid Score SBSS Fico
Provides small business lenders with a powerful, predictive score (0–300) to evaluate credit risk for loans and credit lines up to $1 million. By combining business and owner personal credit data, financials, and application information, SBSS speeds decision-making — often in hours instead of days — and helps institutions comply with SBA requirements, such as a minimum score of 155 for 7(a) loans
Commercial Credit
Hansa
Data Furnishing (Commercial)
Hansa is a fintech gateway that lets any commercial lender report business-loan repayment data to the major business credit bureaus in days—not months. A no-code portal (or CSV/API feed) converts your raw servicing file into bureau-ready Metro 2®-style layouts, pushes them through Hansa’s SOC 2-Type II pipeline, and auto-handles credentialing, error-corrections, and monthly submissions. Today the service sends files to Equifax Small Business; Experian Commercial connectivity is slated for Q1 2025, with D&B on the roadmap. Lenders cut delinquency 5-10 %, give borrowers a credit-building benefit, and stay clear of complex bureau onboarding.
Data Furnishing
KCB
Tenant Rental Verification (Additional Year)
KCB Screening delivers a structured and secure way to verify rental history during the first year of tenancy. This product confirms an applicant’s residential history by directly contacting previous landlords, verifies payment timeliness, lease compliance, property upkeep, and interpersonal conduct. It is ideal as an independent add-on or integrated into broader tenant screening packages.
KYC / KYB
KCB
Tenant Rental Verification (Year 1)
KCB Screening offers a secure and structured process to verify a tenant’s first-year rental history. It helps property managers confidently confirm past tenancy adherence, including rent payment timeliness, lease compliance, property upkeep, and conduct. This service can be used as a standalone add-on or integrated with broader tenant screening packages
KYC / KYB
LexisNexis
Accurint Bankruptcy Report
A non‑FCRA public‑records solution designed for bankruptcy monitoring and investigative needs. It enables users to search nationwide bankruptcy filings quickly—and stay updated on any case status changes (e.g., filed, discharged, dismissed, converted) with daily data feeds directly from court sources. The report includes key details like names, addresses, SSNs, case numbers, filing dates, court chapters, and parties (attorneys, trustees, judges)
KYC / KYB
LexisNexis
Accurint Bankruptcy Search
Accurint Bankruptcy Search (via Accurint/Banko) provides real-time access to nationwide bankruptcy filings—including individual and consumer cases—sourced directly from courts and updated daily. It includes filing dates, case numbers, chapters, trustees, attorneys, and more, tailored for investigation, collections, recovery, and compliance workflows
KYC / KYB
LexisNexis
Accurint Lien and Judgment Report
The Accurint Lien & Judgment Report (also known as RiskView™ Liens & Judgments) delivers timely and accurate public-record data on liens and civil judgments tied to individuals or businesses. It collects information from hundreds of local courthouses and lien registries, ensuring you capture filed amounts, case numbers, filing dates, creditor details, and release/status info—critical for risk evaluation, underwriting, and collections
KYC / KYB
LexisNexis
Accurint Lien and Judgment Search
Accurint’s Lien & Judgment module is a “current-only” public-records pull that surfaces federal, state and county tax liens, civil and small-claims judgments, mechanics liens and UCC filings tied to a consumer or business. Powered by LexID® entity resolution and refreshed nightly from all 50 states and 89 % of U.S. recording jurisdictions, it returns filing number, court, filing/ release dates, dollar amount, debtor & creditor names and (where present) SSN/FEIN—all in < 2 s via web UI, CSV export, REST/XML API or batch.
KYC / KYB
LexisNexis
Accurint Vehicle Report
The Vehicle Report (sometimes labeled Motor Vehicle Report or Real-Time Motor Vehicle Registration Report) pulls a subject’s current DMV registration file in real time, returning VIN, year / make / model, trim-level details (engine, drivetrain, safety & comfort options), lien holder, plate and full registrant/owner name-and-address. Searches can be run by name + address, VIN, or tag; results come back instantly in WebCert/Accurint, JSON/XML, CSV export or printer-friendly text. All data is DPPA-compliant and backed by LexisNexis’ multi-state live gateways, making it a quick way to confirm assets, skip-trace vehicles or surface hidden collateral.
KYC / KYB
LexisNexis
Accurint Vehicle Search
Accurint Vehicle Search is a real-time gateway into state DMV registration files: enter a VIN, tag, name, address or even a wild-card plate number and it returns the current registration record—owner/registrant name & address, VIN, year/make/model/trim, lien-holder, plate details and emissions/ fuel tags where available. Unlike the fuller “Vehicle Report,” the Search is “current-only”: no historical records, so investigators zero-in on where the car should be today. Results arrive in <2 s through the Accurint web UI, CSV export, REST/XML API or batch jobs, and every query is Driver-Privacy-Protection-Act (DPPA) compliant.
KYC / KYB
LexisNexis
Bridger Account OFAC Search
Bridger Insight XG is LexisNexis’ flagship global sanctions and KYC screening platform—widely used for OFAC compliance. It delivers real-time screening against OFAC (SDN, non‑SDN), EU, UN, HMT and other international lists, plus PEPs, adverse media, and state-owned enterprise (SOE) data.
KYC / KYB, Add-Ons
LexisNexis
Business Search Accurint Package Report
A one-click, public-records “bundle” that pulls corporate filings, UCCs, bankruptcies, liens & judgments, trade names (DBAs), associated principals, locations, phone/email points-of-contact and even linked domain names for any U.S. company—public or private. The data are stitched together by the same LexID® entity-resolution engine that powers Accurint person searches and refresh nightly from 10 000 + sources, so skip-tracers, fraud desks and B-to-B credit teams see the latest ownership and risk flags in < 2 s via web UI, CSV, batch or REST/XML.
KYC / KYB
LexisNexis
Consumer InstantID Q&A
Flexible and intelligent KBA solution for confirming identity in key consumer interactions. It scales across channels and industries, helping organizations increase trust, decrease fraud, and meet compliance demands with ease.
IDV
LexisNexis
Driver License Search
A real-time, DPPA-compliant gateway that queries live state DMV driver-license files. Enter a name + state, DL number + state, VIN or plate and get back the registrant’s current license record in < 2 s: class, status (valid / suspended / revoked), issue & expiry dates, address, physical descriptors, endorsements/restrictions and any linked prior licenses in the same state. Results flow to the Accurint web UI, bulk CSV, or a REST/XML API, and every call is logged with a “permissible use” code so you stay on the right side of the Driver Privacy Protection Act.
KYC / KYB
LexisNexis
Enhanced Business Search
A one-screen, “current-only” business‐locator & risk flagger inside Accurint®. Type a company name, FEIN, DBA, phone, URL or partial address and in < 2 s you get a LexID®-resolved hit: legal & trade names, active addresses, phones/email, SOS registration data, UCC & lien indicators, bankruptcy flags, officers/principals and linked businesses. One click expands the result into a SmartLinx® Comprehensive Business Report for deeper filings, assets and associates. Data streams in nightly from 10 000 + public-record sources and 36 M contact records, so investigators, KYB and collections teams see the freshest ownership picture.
Commercial Credit
LexisNexis
FlexID
identity verification solution that delivers instant, configurable identity insights in real-time or batch formats. It assesses applicant data (name, SSN, DOB, address, phone) against an unparalleled LexisNexis data repository.
IDV
LexisNexis
InstantID (Consumer)
Real-time identity verification tool that supports KYC/CIP compliance, fraud detection, and customer onboarding. It validates key personal details — like name, address, SSN, phone, and email—against billions of records, while flagging risks such as deceased SSNs, prison addresses, or OFAC/watchlist matches. A confidence score (0–50), FraudPoint risk indicators, and a Red Flags Rule report are included. It also auto-corrects entry errors by suggesting valid name and address alternatives.
IDV
LexisNexis
InstantID 2.0 (Business)
instant access to comprehensive business data — drawing from over 10,000 proprietary and public sources — to verify business entities and their authorized representatives in real time. It builds on entity-linking and advanced analytics to support KYC, UBO compliance, fraud prevention, and due diligence use cases for small- and mid-sized businesses.
KYC / KYB
LexisNexis, Equifax, Experian
LeadIQ
Create high-performing marketing lists by filtering a 250M+ consumer dataset with inclusion and exclusion criteria to pinpoint the most likely responders
Consumer Credit, Commercial Credit
LexisNexis
Package Report
A single click pulls every public-record and proprietary data set Accurint can tie to one subject— identity details, full address & phone timeline, relatives/associates (3 degrees), property deeds & assessments, motor-vehicle and professional-license hits, bankruptcies, liens & judgments, UCCs, and possible criminal records—then stitches them together with the LexID® entity-resolution graph so duplicates disappear and relationships pop. Results arrive in < 2 s via the Accurint web UI, CSV export or REST/XML† and cost about US $13–14 per report (Volume plans or CRAs can batch for less).
Consumer Credit, KYC / KYB
LexisNexis
Person Search (BPS Search)
BPS Search is the go-to, “current-only” skip-trace query inside Accurint: type a name, SSN-4, phone, e-mail or partial address and in < 2 s you get a live, LexID®-resolved profile—full DOB, every known address, landline & mobile phones, SSN issuance data, possible relatives/associates, bankruptcy/lien flags and property indicators. The engine pulls from 84 B+ public-record & proprietary data points refreshed nightly across 10 000+ sources, giving investigators fresher leads than credit-header or driver-license files. Results arrive via web UI, CSV export, REST/XML API or overnight batch, and each search is DPPA/GLBA-logged for audit.
KYC / KYB
LexisNexis
Property Report
A real-time public-records pull that consolidates deed, mortgage, tax-assessor and parcel data for any U S property in one hit. Enter an address, owner name, VIN / plate (for mobile homes) or parcel number and Accurint returns current owner(s), vesting type, sale & mortgage history, legal description, assessed and market values, lot & building characteristics—even lien flags—all linked through the LexID® entity-resolution engine and delivered as Web UI, CSV, batch flat-file or REST/JSON. The feed taps 3 000+ county recorders and refreshes nightly, giving investigators, lenders and insurers a faster, primary-source view than MLS or credit files.
Property
LexisNexis
Relatives & Associates
A real-time public-records search that maps first-, second-, and third-degree relationships (family, roommates, neighbors, business partners) around any person by running LexisNexis’ patented LexID entity-resolution engine across 78 billion+ records covering ≈ 250 million U.S. adults. Returned as PDF, CSV, or JSON through Accurint, SmartLinx, or Relavint™ link-analysis, the report lists each relative/associate with confidence scores, shared addresses/phones, and “one-click” drill-downs to their own profiles—turning what used to be hours of manual cross-checking into seconds.
KYC / KYB
LexisNexis
Risk View Attributes
RiskView Attributes is an FCRA-permissible library of 350+ alternative-credit attributes built from public records, proprietary databases and near-real-time credit-seeking signals. Covering ≈ 99 % of U.S. adults—including “credit invisibles” and thin-file applicants—it feeds straight into decision engines as JSON, XML/FFF or batch files, letting lenders lift approval rates while holding loss rates flat.
KYC / KYB
LexisNexis
Risk View Lien & Judgment Report
An FCRA-permissible supplement (or stand-alone feed) that links federal, state & county tax-lien and civil-judgment filings to an individual consumer through the LexID® entity-resolution engine. Records are refreshed nightly, scored for match-confidence and returned in XML/JSON, batch flat-file or PDF formats. The report restores the lien-and-judgment visibility that disappeared from the “Big-3” credit files in 2017, giving lenders and collectors an early-warning view of emerging default risk.
KYC / KYB
LexisNexis
Risk View Optics Score
RiskView™ Optics Score is an FCRA-compliant, alternative-data credit risk score (range 501–900) that blends traditional credit signals with non-credit life events and real-time credit-seeking behavior, enabling you to assess nearly 100% of applicants—especially those with thin or no traditional credit files. Designed to improve decision-making across the lifecycle, RiskView Optics helps you (1) Score consumers who lack FICO or VantageScore (2) Boost acceptance of near-prime consumers without raising risk (3) Identify early signs of financial stress for targeted risk pricing
KYC / KYB
LexisNexis
Risk View Report
An FCRA-permissible alternative-credit file that fills the lien-and-judgment gap left by the big three bureaus and expands coverage to ≈ 99 % of U.S. adults by adding public-record, utility, telco, payday-loan and professional-license data. The report arrives in real-time JSON/XML, batch flat-file or PDF and can include the three-digit RiskView Optics / Spectrum Score and 350 + ready-made attributes, giving lenders a richer, forward-looking view of thin-file and “credit-invisible” applicants without sacrificing compliance.
KYC / KYB
LexisNexis
Risk View Score
RiskView Optics and Spectrum are three-digit, FCRA-permissible alternative-credit scores that extend measurable credit insight to ≈ 99 % of U.S. adults, including the “credit-invisible.” Optics blends public-record data (liens, judgments, licenses, address stability, etc.), utility/telco payments and near–real-time “credit-seeking” inquiries; Spectrum layers those same alternative signals on top of traditional tradeline data for even stronger lift. Returned in < 2 s via JSON/XML API, batch flat-file or PDF, the scores ship with 350 + pre-calculated attributes and reason codes, slot directly into LOS/decision engines on the familiar 300-to-850 scale, and can be turned on in monitoring mode for portfolio alerts.
KYC / KYB
LexisNexis
Risk View Score and Attributes
RiskView delivers two three-digit, FCRA-permissible alternative-credit scores—Optics (alt-data only) and Spectrum (alt + tradeline)—together with a library of 350-plus model-ready attributes in a single JSON/XML or batch file. Powered by the LexID® entity-resolution graph and fed by public-record, utility/telco, payday-loan and near-real-time “credit-seeking” signals, the package reaches ≈ 99 % of U.S. adults, scoring thin-file and invisible borrowers while lifting KS by up to 15 % on near-prime segments.
KYC / KYB
MeridianLink
SmartPay
SmartPay is MeridianLink’s automated payment solution designed for financial institutions to streamline loan repayment and account funding. It enables borrowers to make real-time or scheduled payments via ACH or card, directly from their mobile device or online portal. Integrated with MeridianLink Consumer and Loan Origination platforms, SmartPay supports single and recurring payments, enhances borrower convenience, and reduces manual processing for staff.
Consumer Credit, Add-Ons
PitchPoint
Person Civil Court Search (FCRA)
An FCRA-permissible report that sweeps nation-wide municipal, county, state & federal dockets for bankruptcies, tax-liens and civil-judgments, then de-duplicates results with PitchPoint’s proprietary matching, filtering and consolidation engine. Options let you suppress bankruptcy records, set age thresholds (e.g., “only cases ≤ 7 yrs”), or order manual record research when dockets are incomplete. Delivered in real-time JSON/PDF via the /pp/fcrablj REST endpoint or through LOS/credit-platform integrations, the search flags unpaid obligations that never appear on a traditional credit file—closing a critical blind-spot for mortgage and consumer-lending fraud teams.
KYC / KYB
PitchPoint
Person Civil Court Search (GLBA)
A non-FCRA, GLBA-permissible search that sweeps nationwide municipal, county, state & federal dockets for bankruptcies, tax liens and civil judgments, then applies PitchPoint’s 4-point name-and-address matching to minimize false hits. Results are returned in real-time XML/JSON or PDF through the /pp/glbablj REST endpoint or bulk batch, and you can suppress bankruptcies or set “age ≤ X years” rules to keep alerts actionable. It plugs straight into the same ADV workflow many lenders already use for FCRA fraud tools, but because the data is non-FCRA you can use it for fraud detection, post-closing QC and portfolio monitoring without triggering consumer-disclosure rules.
KYC / KYB
PitchPoint
Person Civil Court Supplement
The Person Civil Court Supplement is an enhanced public-records offering (often integrated in PitchPoint) delivering comprehensive civil court data—including judgments, liens, and filings—for a given individual. Typically layered onto background or identity-validation workflows, it offers updates and full documentation for due-diligence or fraud prevention purposes
KYC / KYB
PitchPoint
Person ID Investigation
An on-demand identity-verification report that runs a borrower’s name, SSN, DOB, address and phone against billions of public-record and proprietary data points. PitchPoint’s LexID-style matching returns a 1-to-5 Validation Score (5 = highest fraud/discrepancy risk) and clear “Pass / Fail / Mis-key” flags for every input element. Optional modules bolt on industry & custom watch-lists or zip-code income estimates. The service is embedded in major mortgage LOS/credit platforms and is also available through a REST/JSON API for instant “Red-Flag + ID-Investigation” cross-checks.
KYC / KYB
PitchPoint
Property Ownership Report
Property Ownership Report delivers a comprehensive snapshot of a borrower’s current and historical property ownership and foreclosure activity—vital for confirming asset disclosures and detecting undisclosed or misrepresented real estate holdings. With 99% coverage of U.S. residential properties.
Property
PitchPoint
SSN History
PitchPoint SSN History is a powerful verification tool designed to detect anomalies and synthetic identity fraud early in the application process. It delivers detailed SSN usage timelines, alias detection, and data-entry error flags—all within your LOS with clear pass/fail indicators and resolution tracking.
KYC / KYB
PitchPoint
Subject Property 10
Subject Property 10 within PitchPoint’s Application Data Verification (ADV) provides a deep-dive into the property portion of a mortgage or loan application. It verifies subject-property data points like ownership history, refinance and sale activity, comparable properties, legal descriptions, recording dates, and FEMA disaster status—helping lenders to detect misrepresentation, fraud, or hidden red flags
Property
PitchPoint
Subject Property 30
Subject Property 30 offers lenders a complete, fraud-resistant solution—combining AVMs, legal history, disaster vulnerability, and valuation trends into a single LOS-integrated report. Select it when your institution requires deep, reliable property profiling and automated insight delivery.
Property
Service Link
Flood Certification Regular
A guaranteed, FEMA-compliant Flood Zone Determination (FZD) returned on the Standard Flood Hazard Determination Form (SFHDF) that tells you—in seconds—whether a property lies in a Special Flood Hazard Area (SFHA) and whether flood insurance is required. Unlike the Life-of-Loan version, monitoring stops after the certificate is issued, making it the low-cost choice for one-time transactions or portfolios that will be sold quickly. Orders flow through the WebCert portal, LOS plug-ins, REST/XML, MISMO 2.x or SFTP. Turn-times average “sub-2 seconds” for 9-in-10 requests, with a specialist team completing any manual certs in a few hours.
Property
Service Link
Flood Determination
ServiceLink National Flood (SLNF) delivers guaranteed, FEMA-compliant Flood Zone Determinations (FZDs) in seconds and, when lenders choose the Life-of-Loan (LOL) option, monitors every map change for the term of the mortgage. Output is the standard FEMA SFHDF plus optional aerial map overlays, borrower notice letters and census/BFE data, available via WebCert UI, XML/REST, SFTP or MISMO-2.x feeds. All determinations are backed by SLNF’s proprietary CAMSIS database and a $10 million E&O policy.
Property
Service Link
Flood Determination Life of Loan
A guaranteed, FEMA-compliant Flood Zone Determination (SFHDF) that is automatically re-checked after every FEMA map update and community-status change for the full term of the mortgage. All monitoring is driven by ServiceLink’s proprietary CAMSIS database, which consolidates five federal data feeds, then issues e-mail/WebCert alerts, revised certificates and borrower notice letters within 60 days of any status change. Determinations are fully transferable between servicers and backed by a $10 million E&O policy. Delivery options include WebCert UI, REST/XML, MISMO 2.x or SFTP batch, with real-time responses in < 2 seconds for > 90 % of orders.
Property
TransUnion
Bankruptcy Credit Report
A hard-inquiry File One® pull that’s pre-configured to spotlight bankruptcy risk: Full credit file – tradelines (with 24-month payment grids), public-record section, inquiry list and Fraud/OFAC flags.
Consumer Credit
TransUnion
Batch Account Review
TransUnion Batch Account Review enables you to continuously monitor your existing customer base at scale, using scheduled batch uploads. It refreshes credit and behavioral data—such as score changes, new inquiries, public records, delinquencies, and balances—on daily, weekly, or monthly cycles. This setup allows proactive account management, early risk detection, and personalized engagement without triggering hard pulls or consumer notifications
Consumer Credit
TransUnion
Credit Report
A hard inquiry pull of the full TransUnion File One® file: identifying data, public-records, collections, every open and closed tradeline with complete 24-month payment grid, and all recent inquiries. Optional add-ons include CreditVision® trended balances & payments, TruVision risk scores, Fraud & OFAC alerts and thin-file “emerging-data” attributes. Results land in ≤ 2 s through the TUXML REST/XML API, SFTP batch, MISMO, or a browser console, and the same schema underlies mortgage tri-merge, tenant-screening and employment versions.
Consumer Credit
TransUnion
Credit Report with Trended Data (Mortgage)
One request returns the full TransUnion File One® mortgage file plus up to 30 months of CreditVision® balance, payment-amount and utilisation history for every revolving and instalment tradeline. The report can be pulled as a hard inquiry for DU®/LPA uploads—or as a soft inquiry for pre-qualification—with exactly the same TUXML 2.45 / REST JSON / MISMO 3.4 schema. DU and most LOSs already map the trended tags, so you gain deeper capacity insight without re-engineering.
Consumer Credit
TransUnion
Debt to Income Estimator
A real-time model that adds up the applicant’s current monthly debt from CreditVision trended-credit files, marries it to a bureau-based Income Estimator value and returns an instant, loan-ready Debt-to-Income (DTI) ratio (plus the raw income estimate) in one API or batch call. The output travels in the same TruVision XML/JSON wrapper as other risk scores, so you can drop it straight into underwriting, line-management or collections strategies without extra mapping.
Consumer Credit, Add-Ons
TransUnion
Employment Screening Report
A purpose-built, soft-inquiry credit file for background-screening firms and HR teams. It returns the full TransUnion File (trade lines, public-record alerts, inquiries) plus optional TruVision Employment Score and fraud/OFAC flags in < 2 s via web portal, REST/XML or SFTP batch. Because the request is coded as an employment soft hit, the candidate’s score is untouched and no “trigger-marketing” alerts fire at Equifax or Experian.
Consumer Credit
TransUnion
Express Portfolio Review
Experian Express Portfolio Review is a portfolio-level tool that enables organizations to proactively monitor and manage their existing customer accounts. It delivers daily or real-time updates on credit events—such as delinquencies, public records, inquiries, or behavioral flags—by appending high-quality data, scores, attributes, and alert triggers across your entire portfolio. This service is particularly useful for segmented account management, risk mitigation, stress testing, and rule-based workflow automation, making it a key asset for credit unions, banks, fintechs, and telecoms looking to optimize customer engagement and loss control.
Consumer Credit
TransUnion
Income Estimator
TransUnion Income Estimator uses bureau-exclusive credit data and proprietary algorithms to predict a consumer’s household income—providing income bands or score values (0–999) that reflect estimated income levels. It’s ideal for underwriting, marketing, collections, and targeting when direct income verification isn't available
Consumer Credit, Verification of Assets, Add-Ons
TransUnion
Model Report
The TransUnion Model Report delivers a streamlined summary of a consumer’s credit profile—paired with basic demographic details—without requiring the full credit bureau output. It’s ideal for scenarios where you need quick insight on credit behavior and risk but want a simplified, high-level view
Consumer Credit
TransUnion
PreScreen
TransUnion’s PreScreen (branded today under the TruAudience™ Advanced Acquisition and Credit-Informed Marketing suites) lets lenders, card issuers and fintechs build firm-offer-of-credit campaigns from TransUnion’s File One, CreditVision trended data and FactorTrust alternative credit files. Marketers define credit and marketing criteria, TransUnion returns a ready-to-market list (batch or API), and no hard inquiry ever appears on the consumer’s report.
Consumer Credit
TransUnion
Prequalification Credit Report
A soft-inquiry version of TransUnion’s trended-credit file that lets lenders start underwriting with the full credit report, scores and up to 30 months of payment trajectories without posting a hard inquiry or triggering competitor “trigger-mail.” The file is delivered in <2 s via REST/XML, MISMO or SFTP, can be single-, dual- or tri-bureau with a flag change, and may later be “promoted” to a hard pull (or tri-merge) using the same schema. Fannie Mae and Freddie Mac now accept the report for DU/LPA, so mortgage lenders (and other verticals) can quote real terms earlier, protect their pipeline and trim origination costs.
Consumer Credit
TransUnion
TruValidate
Real-time identity and fraud-risk orchestration platform that combines credit bureau, public records, device, and behavioral data. It empowers businesses to authenticate users across digital and call‑center channels while combating fraud and optimizing customer onboarding.
IDV, KYC / KYB
TransUnion
TruValidate ID Authentication with KBV / OTP
A single TruValidate endpoint lets you step-up from passive identity checks to dynamic “out-of-wallet” Knowledge-Based Verification (KBV) or a phone-based One-Time Passcode (OTP) when risk or regulatory rules demand it.
IDV
Data Append
Append to any file email, mobile, landline or demographic data to power omni-channel marketing campaigns. Typically this product has a 93% hit rate.
Welcome to the CRS FinStack