| Credit Reports | ||||
| Equifax Experian Experian Authentication Trans Union Bank Account and Check History |
ACCESS consumer and commercial credit reports in real-time. MAKE accurate risk assessments of potential customers, employees, or tenants. INCREASE revenue and growth. START managing multiple sites from one central location. All you need is a web browser.
Equifax
24-Month Payment HistoryView payment history of applicants for 24 months.
BeaconPredict the likelihood that a new or existing account will become delinquent within 24 months after scoring.
Consumer Referral LocationReceive the bureau address in addition to a credit report.
Credit Profile ReportIs the most common and standard type of report accessed. Contains information from credit grantors, courts, and collection agencies regarding the historical loans by the consumer.
Support for US and Canada
DTECUsing just a Social Security number, DTEC searches the nationwide Equifax database of consumer files returning any matching individuals
Support for US and Canada
EDASEDAS, Enhanced Delinquency Alert System, predicts the likelihood of a consumer going bankrupt or becoming seriously delinquent within 12 months.
FindersProvides the skip-locate impact of a full credit report by searching Equifax's nationwide database.
Support for US and Canada
Fraud AdvisorIdentify, rank order and translate risk potential while verifying consumer ID.
GEOAccess geographical information in addition to a Credit Profile Report.
ID ReportSearch for skipped acounts, former employees and beneficiaries without a social.
Support for US and Canada
On-Line DirectoryDecode inquirers, trades and collection customers automatically.
Persona ReportProvides demographic and financial information that can be used by employers to aid in the hiring process or verification of employment for screening purposes.
Experian
Address UpdateFind current address and track down skipped accounts.
Bullseye ReportReport corrections and updates to consumer credit reports.
Collection ReportProvides information needed to locate and collect from a debtor by presenting consumer-identifying information separately from credit-related information.
Connect Check PlusDesigned for regulated utility companies to indentify identity inconsistencies and minimize risk exposure.
Credit Profile ReportIs the most common and standard type of report accessed. Contains information from credit grantors, courts, and collection agencies regarding the historical loans by the consumer.
Cross View Optional / ProductSupplemental tool geared towards granting credit to emerging consumers like students, immigrants and recently-divorced individuals.
DecodeNeed to find out who is behind a subscriber number?
Direct CheckThe fastest, most inexpensive way to contact other credit grantors to obtain updated information about customers and prospects.
Employment InsightQuickly verify statements on a resume or application.
FACS+Indentify potential fraudulent activity with alerts when an applicant's data is cautious, high-risk or non-residential.
GEOAccess geographical information in addition to a Credit Profile Report.
Instant PrescreenProvides comprehensive information limiting risk potential and making a clear snapshot of each prospect.
Instant UpdateReport delinquent information to the Experian consumer credit report database.
Business Profile SummaryGet 17 key calculations from the Credit Profile Report, giving you a true picture of a consumer's debt, monthly obligations and payment history.
Social SearchLocate hard-to-find individuals using just a Social Security Number
Experian Authentication
Authentication Solutions Level 1This product can be used to verify both consumer and business information, streamline application processing and reduce fraud. It can also be included as part of your prescreening criteria.
Authentication Solutions Level 2This product is a credit enhanced version of Level 1 that can be used to verify both consumer and business information, streamline application processing and reduce fraud. It can also be included as part of your prescreening criteria. This version also checks Experian's national credit database
Trans Union
Instant Deposit Screen,
Credit Risk Screen,
Review, and
PrescreenThese products are decisioning tools that analyze a consumer’s credit file. Decide whether or not a consumer qualifies for a product or level of service.
ATLASAccess extensive name and address information from this telephone lookup system.
Credit ReportIs the most common and standard type of report accessed. Contains information from credit grantors, courts, and collection agencies regarding the historical loans by the consumer.
Support for US and Canada
Collection Credit ReportCollection Credit Report, returns credit activity in the last 12 months.
Fraud ID-TectVerification tool designed to prevent application fraud and determine the validity of personal information.
Government ReportThis product is a Government Agency Disclosure report and is only available to government agencies or institutions with permissible purpose.
GEOAccess geographical information in addition to a Credit Profile Report.
Account Reporting ReviewAccess proprietary tradeline information for your subscriber code.
ID Search, ID ReportDelivers personal information including name, address, aliases, SIN, Employment, Date of Birth, and phone number from just a name or social.
Support for US and Canada
Creditor Contact SearchNeed to find out who is behind a subscriber number?
Employment Credit ReportDetermine how responsible an individual is with employment, tradeline, collection, public record, and inquiry information.
Retrace and Retrace PlusAccess the Trans Union database using just the name and address.
Reverse Phone AppendAccess national database for reverse phone number searches.
Model Report and ID Report with ScoreThis report provides credit scoring and analytical consumer credit information.
Support for US and Canada
Total IDThis report provides comprehensive identity verification and application analysis to prevent fraud.
SSN Search and SSN ReportLocate names and associated addresses from a particular Social Security Number.
Bank Account and Check History
ChexSystemsProvides financial institutions with a history of closed-for-cause accounts, NSF history and inquires.
Banking Header ReportThis report provides header information. You should use this product as a primary or secondary search to skip tracing. With on-file data from the entire banking industry, this product can provide contact information where other products have failed. This is the second most popular search for those in the collection industry. This product is for Collections and is a non-permissive product.
Experian Business
Business ProfileGet a comprehensive profile of a companies credit history detailing payment behavior, public record history, and other pertinent data.
Collection Priority Intelliscore,
Commercial Intelliscore and
Custom IntelliscoreIntelliscore services use statistical credit risk scoring models to predict the likelihood of a company becoming significantly delinquent.
Industry TradeCompiles trade payment information contributed by members of an industry trade group into a custom credit report.
Intelliscore Full Backup ReportUse this product to request a Business Profile and/or Business Owner Report from any previously requested Intelliscore report that is no older than three days.
International ProfileAssess financial information of businesses from over 200 countries.
Lease Decision ScoreImprove the credit quality of your portfolio by making qualified decisions during the lease origination process and for account management reviews.
Business Owner ProfileImports consumer credit data on a business owner from Experian Consumer.
Portfolio MonitoringKnow when your customers are headed for trouble. This product alerts you to significant changes in the creditworthiness of an account. Alerts are updated in your portfolio list and automatically sent via e-mail.
Business Profile SummaryLow-cost abbreviated business report designed for quick decisions on low balance/low margin accounts.
Small Business IntelliscoreIntelliscore services use statistical credit risk scoring models to predict the likelihood of a company becoming significantly delinquent. The small business version is ideal for companies with a limited credit history.
UCC Detail ReportGet UCC, Uniform Commercial Code, filings relating to a specific business. This report includes liens between individuals and businesses.
Searches(Additional Data Sources)
2 Credit Bureau Header SearchThis Search provides access to credit header records from the credit bureaus and returns current address and telephone information.
Bankruptcies, Liens and JudgmentsManage risk utilizing this database when granting credit. This database can also be used for fraud detection as well as identity validation. The Bankruptcies, Liens, and Judgements database includes records obtained from the final bankruptcies, liens, and judgements found in court records.
Bankruptcy SearchProvides most current search nationwide for bankruptcy filings on a person or business within just 2 days of a filing and returns Trustee, attorney for filer, assets, liabilities, chapter, date of creditors meeting and disposition.
Property SearchDetails from a deed or assessor
UCC SearchDetails from a loan made by a corporation. This includes items used for collateral.
Merge
MicroMerge Credit Profile ReportMerge data from all 3 bureaus to create a Credit Profile Report in an easy to read format.