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

MicroBilt delivers convenience as a one-stop source for traditional credit reporting from the "Big Three" bureaus. Special volume discount pricing given to MicroBilt from Equifax, Experian and TransUnion is passed along to MicroBilt customers.

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What does it do?

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.)
  • Tradeline information
  • Reported collections
  • Public record information
  • Credit inquiries

What is it used for?

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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