Credit Products

Credit is borrowed money. When an individual is applying for a credit card, personal loan or any other type of credit, the lender must first decide if that person is a good
credit risk. Creditors do this by checking the individual's background to see how they've
paid debts in the past. They check not only the credit history, but also how non-credit
debts have been paid back, such as rent and medical bills. Many different types of
merchants report to the credit reporting agencies and they rate the account to reflect the individual's repayment practices.

Most lenders use an underwriting system to determine whether an applicant is a good credit risk. Applicants are looked at for items such as occupation, length of employment and annual income. Lenders also use credit scores to rate the credit risk of a consumer. The higher the score equals to lower the risk.

Businesses of all types and sizes resell our products and services to their customers and educate them on the value of good credit. We offer a variety of credit products to meet your specific business objectives.

Credit Reports
Credit reports are core to our large suite of credit-related products
Credit Scores
Credit scores are a valuable tool
for lenders in accessing risk
Authentication
Authentication is the verification
of a consumer’s identity

Credit Monitoring
Credit monitoring helps in early detection of fraud and ID theft
Credit Tools
Credit tools help make decisions
and uncover new opportunities