Version 2.5 Release
We recently completed the latest release (Version 2.5) of our Software Developer’s Kit (SDK). See below a listing of all our enhancements and corrections:
Enhancements
Bureau Products:
- Added Equifax’s Fraud Advisor (part of the Risk Wise product family)
- Added Trans Union’s Total ID product
- Added Trans Union’s ReTrace Plus product
- Added Experian Business’ Intelliscore Full Backup Report (FRPT)
- Added Trans Union’s Score Model TransRisk Bankruptcy
Internal Changes:
- Added the Fraud Class to the CC Library
- Added Decision Table rule “Credit Bureau No Hit”
- Added Decision Table rule “Fraud Code”
- Mapped Experian’s collection trade lines into the CC Library’s Collection Class
- Added an additional “optimized” XML output option (“4”) to the Output Format property
Corrections
- Removed the “required” status of the Permissible Purpose / End User fields from all three bureaus
- Modified the Decision Table rule “Debt to Income Ratio” to include housing expenditures
- Fixed Experian trade line issue not displaying the name of the Original Creditor.
- Fixed Decision Table rule “Age of Applicant” forcing comparison to “18”
- Fixed issue where Payment Pattern is not wrapping
- Fixed issue where Collection trade lines were not displaying for Trans Union
- Fixed Trade lines not categorizing “closed” status correctly
- Fixed issue where Experian’s FICO score was not being populated in the XML descriptions
- Fixed XML not populating amounts in Public Records
- Fixed issue where XML is not handling “accidental” control characters embedded within XML (Equifax “OA” segment)
- Fixed Equifax DTEC output format forcing the “02” (CPU) format
- Fixed Public Records types not categorizing correctly
- Fixed “negative” percentage issue in the “% Available” section
- Fixed style sheet labels wrapping unnecessarily
- Fixed Experian Mortgage trade lines not being counted in Summary Totals
- Fixed concatenated data in Account Details section
- Fixed rare “dual subjects” issue on Equifax STD reports
- Fixed issue where blank reasons issued for scores, now populated with code
MicroMerge, MicroBilt's New Merged Credit Report Takes Off!
MicroBilt, announced back in August the launch of our own merged credit report called
MicroMerge and we have been signing customers up ever since.
MicroMerge is aggressively priced and is much more advanced from a rules and formatting perspective than any other merged software engine in the marketplace. Offered through the Software Developer’s Kit, the multi-bureau, merged product allows you the option of pulling a single bureau in file and at a later time adding additional bureaus.
The tri-merge report represents a key advantage to businesses that run multiple credit reports. The time and cost associated with running credit reports individually not to mention consolidating and analyzing the information is significant. Using
MicroMerge through your direct interface, you will have the ability to customize your report format to fit your needs and run one consolidated report in a matter of seconds. You can also save money with
no additional charge for joint reports!
The MicroMerge report is delivered in XML format. MicroBilt provides you with the style sheet necessary to view this report within your application. HTML, Text and RTF formats are supported. Contact tech support today at 1-800-884-2733 to receive the specifications for this product.
Check Out the Features of MicroMerge:
- Capability of clicking on a Merged trade line within the provided style sheet to view the individual trade lines that make up the merged line
- Capability to retrieve the individual credit reports that make up the merge
- Detailed summary section
- Ability to pull a single bureau and then upgrade to a double or a triple merge only at the cost of the additional bureaus and/or drop a bureau for free
- Include application data in the Merged Report
- Choice of sorting the trades by Trade Name, Trade Balance or Classification (Open, Closed, Derog)
- Calculate and display an average of the score cards returned
- Show or hide various codes and descriptions within the trade line section
- Purge trade lines greater than 7 years old and inquiries older than 90 days
If you’d like more information about MicroMerge or would like to have someone contact you to discuss the product in more detail you can email us at
microbilt@microbilt.com.
As always, our development is constantly striving to improve the value of CreditCommander.com and help you improve your credit needs. Feel free to contact us at 800-884-4397 or
credit_sales@microbilt.com.
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