Underwriting Credit Extensions
Make confident lending decisions with instant access to comprehensive consumer credit data. Command Credit delivers the credit intelligence you need to underwrite installment loans, extend trade credit, and evaluate utility service applications—all backed by Experian, TransUnion, and Equifax.
From automotive financing and equipment leasing to B2B trade accounts and utility deposits, our platform streamlines credit decisioning while ensuring FCRA compliance. Pull single-bureau or tri-merge reports, automate underwriting workflows, and reduce approval times from days to minutes.
Installment Loans
Underwrite auto loans, personal loans, and equipment financing with precision. Access FICO® scores, payment histories, debt-to-income ratios, and specialized automotive scorecards that predict default risk across prime, near-prime, and subprime borrowers. Our platform delivers tri-bureau reports with the credit intelligence needed to set optimal terms and pricing.
Trade Credit
Protect B2B payment terms by evaluating personal guarantors alongside business credit. Small business owners often personally guarantee trade accounts—making their consumer credit history critical to your risk assessment. Pull consumer reports on business principals to uncover payment patterns, debt obligations, and financial red flags before extending credit.
Utilities
Set appropriate deposits for electricity, gas, water, internet, and telecom services. Our soft credit inquiries don't impact consumer scores while providing utility payment histories through NCTUE data combined with traditional bureau reports. Identify high-risk applicants and determine deposit amounts based on actual payment behavior.
Single & Multi-Bureau Reports
Pull reports from a single bureau when speed matters, or access tri-merge reports combining all three agencies for the most comprehensive view. Our platform lets you choose the right level of detail for each application—from basic credit checks to full underwriting packages with fraud detection and identity verification.
Compliance & Risk Management
Stay compliant with automated adverse action notices, risk-based pricing disclosures, and FCRA documentation. Our platform includes fraud detection tools to identify synthetic identities and suspicious applications before they become losses. Monitor credit freezes, fraud alerts, and consumer disputes with full regulatory support.
Related Consumer Credit Solutions
Need additional consumer credit services? Explore guarantor screening, employment background checks, tenant screening, and business credit reports for complete risk management coverage.