Within seconds, provide credit bureau reports to your customers, or use the data internally. You can also use proprietary merge logic to merge liabilities across multiple bureaus and applicants.
Service your customers’ individual needs through the Credit Score Analyzer report, a standard feature of SmartAPI. Intuitive proprietary software analyzes a variety of factors that are unique to customers and generates useful suggestions to help improve scores.
Minimize your institution’s liability by using SmartAPI to store all credit reports offsite instead of in your system. SmartAPI is designed to accurately verify the identity of your customer and check for fraud at multiple points.
MeridianLink partners with more than 30 credit reporting agencies and verification service providers that work with over 150,000 active end-users.
Our powerful technology pulls credit bureau data within seconds, and a sophisticated algorithm balances variations in reports to create a single, highly accurate credit report. Credit information is pulled from all major credit bureaus, including Equifax, Experian and TransUnion.
Financial institutions that are current subscribers or already authorized by the three credit bureaus can integrate SmartAPI in five days or less. MeridianLink provides sample code and a protected testing environment for error-free development and a seamless transition.
Security and fraud prevention remain a top priority. Beyond credit data, your financial institution can use SmartAPI to access, with a single API, a multitude of verification services, such as identity, income, employment, assets, valuation, criminal, eviction, etc.
SmartAPI simply requires web access. Requests are sent via HTTPS with 128-bit SSL encryption to gain almost immediate access to credit reporting from all three bureaus, including VantageScore and FICO scores. Retrieve data in XML format and use with other supported data types, such as HTML, MISMO, PDF, TEXT and X12.
With SmartAPI, your financial institution has the flexibility to design the solution to fit your specific needs and processes. You can configure reports to structure and order data your way. Or you can choose from 30+ predefined, customizable, templates so you can quickly and easily display the information you need.
Our client-focused support team responds quickly and attentively throughout setup, launch and ongoing usage. By gaining a thorough understanding of your institution and customer needs, we can anticipate challenges and put systems in place to protect you and to ensure service runs smoothly.
Whether you're in the preliminary stages of research or looking for detailed answers that may require a demo, our team is always available to discuss your options and how we can help.