National Credit File

Access major credit bureau reports through a single point of entry

National Credit File is a solution that effectively uses information from any of the three major credit bureaus and other sources to help segment risk.


Improve Incomplete Inputs
Advanced linking technology enables the enhancement of inquiries with information previously missing that can help increase hit rates.

Save Underwriting Expenses
The duplicate check database temporarily stores credit reports ordered by agents so their underwriters may later access an exact copy of the credit report.

Seamlessly Redirect Inquiries
Choose the option to allow switch processing to automatically route inquiries to a second bureau if your primary bureau returns a no hit or a thin file, or is experiencing an outage.


Easy Access to Three Major Credit Bureau Reports
The ability to access credit information from all three credit bureaus from a single point is a unique offering that only National Credit File from LexisNexis can provide.

Standardized Inquiries and Results
National Credit File provides consumer credit reports from all three of the major credit bureaus, providing a standardized inquiry and result regardless of the credit bureau that supplies the credit report.

Leverage the Experience and Technology of an Industry Leader
Partner with an advanced analytics provider that is experienced in developing and delivering models that can help insurance customers achieve specific business goals.

Timely and Seamless Updates

LexisNexis seamlessly implements programming changes and system upgrades for each bureau in a timely fashion.

National Credit File is a consumer reporting agency product provided by LexisNexis Risk Solutions and is fully compliant with the Fair Credit Reporting Act, 15 U.S.C. 1681, et seq.

Due to the nature of the origin of public record information, the public records and commercially available data sources used in reports may contain errors. Source data is sometimes reported or entered inaccurately, processed poorly or incorrectly, and is generally not free from defect. This product or service aggregates and reports data, as provided by the public records and commercially available data sources, and is not the source of the data, nor is it a comprehensive compilation of the data. Before relying on any data, it should be independently verified.