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Traditional Credit Reporting

MicroBilt is a convenient, single-source provider for consumer credit reports from Equifax, Experian and TransUnion.

MicroBilt is a single-source provider of traditional consumer credit reports from  Experian, TransUnion and Equifax. Leveraging traditional credit reporting and scoring  from multiple providers allows MicroBilt end users to address regional and market  differences in coverage that may exist between bureaus when assessing the credit risk  of consumers participating in the traditional credit marketplace. Users may receive reports in the originating bureau’s report format, or may opt to use  MicroBilt’s easy-to-understand common report format to allow for consistent viewing of  data for all bureaus. Additional advantages exist for MicroBilt users including multi-bureau merged report options, no extra bureau fees, avoidance of being subject to trigger leads, integrated access via leading loan management systems, data reporting  support (i.e. Metro2 conversion) and much more.

Traditional credit reporting offers decision-critical information on all of the following consumer credit attributes:
  • Credit scoring
  • Credit summary (i.e. balance, high/low credit limit, open/paid accounts, etc.)
  • Trade line information
  • Reported collections
  • Public record information
  • Credit inquiries
Credit decisioning and prescreening on consumers participating in the traditional credit marketplace for:
  • Vehicle financing
  • Tenant screening
  • Retail financing
  • Equipment leasing and rentals
  • Mortgage and home equity lending
  • Pre-employment screening

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