National Credit File

National Credit File (NCF) provides online consumer credit reports to insurance carriers. The financial history of the applicant can be considered as part of assessing risk for quoting and underwriting purposes. NCF supports a common inquiry and results format for credit information obtained from the three major credit bureaus.

NCF has the ability to switch between credit vendors if a bureau is unavailable or if a credit file is not found. The NCF Duplicate Check database temporarily stores credit reports ordered by an agent, so underwriters may later access an exact copy of the credit report. A variety of insurance scores, including ChoicePoint Attract, custom models and third-party models, can be included in NCF reports. Customized messaging can be used to automatically interpret an insurance score and provide the agent with a tier placement decision based on the carrier's criteria. Offline reports and scores are also available for account reviews.