Provide credit bureau reports to your customers or for internal use within seconds. Proprietary merge logic can also be used 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 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, SmartAPI allows your financial institution to access a multitude of verification services such as identity, income, employment, assets, valuation, criminal, eviction, etc. with a single API.
SmartAPI simply requires web access and requests sent via HTTPS with 128-bit SSL encryption to gain near-immediate access to credit reporting from all three bureaus plus VantageScore and FICO scores. Retrieve data in XML format and use with other supported data types such as HTML, MISMO, PDF, TEXT and X12.
SmartAPI gives your financial institution the flexibility to easily design the solution to fit specific needs and processes. Configure reports to structure and order data your way. Or choose from our 30+ predefined, yet customizable, templates to display the information you need, quickly and easily.
Our client-focused support staff 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 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.