Glendora, CA - [07-Nov-2003] MERit Credit Systems, today announced MCE-OEM, the MERit Credit Engine, OEM Edition, which lets software companies easily integrate credit report capabilities into their product offerings. MCE-OEM implements a Component Object Model (COM) interface, local encrypted storage, and direct Internet access to Experian, Equifax, or TransUnion?, freeing developers from complex bureau-specific data protocols and certification requirements.

MCE-OEM adds value to software products in the credit union, banking, finance, collection agency, auto dealership, mortgage, human resources, call centers and property management fields. Companies needing consumer credit reports benefit by not having to reenter data into a separate program, with training and support being simplified, as well. Local storage satisfies federally-mandated retention requirements, while making it possible to review credit decisions, and preventing costly accidental duplicate credit report retrieval.

At least one national credit bureau is dropping modem access in favor of Internet-only delivery of credit reports, forcing developers and end-users to scramble for a solution. MCE-OEM provides built-in support for Experian’s NetConnect? II, TransUnion? Net Access, or Equifax STS Internet Connectivity. MCE-OEM’s browserless direct Internet credit bureau access removes third-party providers and the associated transaction charges from the equation.

MCE-OEM is based on core technology from the MERit Credit Engine, a high-volume, SQL-based enterprise level credit server, used by major credit-granting, tenant-screening, and pre-employment background checking companies since 1999. With attractive multiple-unit OEM pricing, the MCE-OEM will appeal to developers whose need is to provide standard credit report and credit score functionality within their software. The industry open standard XML for MISMO and HR credit report modules are also available.


MERit Credit Systems is a leading provider of software solutions for credit retrieval to Automotive, Human Resources, Financial, Rental or Leasing, Health Care, Insurance, Law Enforcement, Education and Utilities Industries, for businesses requiring quick and effective access to credit information from Equifax, Experian, and Trans Union. MERit has been certified through and provides integration with the three consumer credit bureaus, Equifax (NYSE: EFX), Experian (London Stock Exchange: GUS) and Trans Union. For further information, see CreditEngine?.net. Telephone 626.963.8313