Solutions

Hart Credit Technology offers many preexisting solutions; however, creating fully customized solutions is our passion. Whether you need to modify one of our current products or you need an entirely new solution, Hart is the answer.

CUSTOMIZED SOLUTIONS

All our solutions are customizable to meet your specific business objectives. Anticipating and addressing our clients' needs is what we do best. We believe that collaboration is essential for a successful program. Our professional team of associates will work with you to create solutions to achieve the unique functionality your business requires. Customization will optimize productivity while managing risk affordably and quickly. Give Hart Credit Technology a call to discuss how we can help you determine the most efficient, effective, and accurate methods to accomplish the results you're looking for.

OFAC COMPLIANCE

Manage your compliance efficiently with Hart Credit Technology's state-of-the-art OFAC search engine. Check your entire database against the government's most recently updated watch list. Our OFAC search engine is available as a standalone product or add-on to the credit file in real-time to check each individual transaction and in batch processing mode, allowing you to scrub your portfolio at any desired interval.

Our system receives updates from the US Department of the Treasury as soon as new data becomes available. We automatically update our database, therefore you get the latest possible information.

CREDIT REPORT ACCESS

Our website provides access to credit bureau products via our 24/7 connection to the repositories. Most web browsers serve as the primary means of access. Network Administrators and IT Personnel are free from the overhead of installing and maintaining software. We support the credit bureaus’ primary credit solutions including employment reports, identity, and collection management tools. For customers that prefer to use software, our simple API provides easy, immediate access to the credit bureaus. We have the ability to work in tandem with your website where credit-related transactions occur. As a partner, we can facilitate the access, retrieval, and decisioning of all credit data.

Merged credit reports are also available. We use the codes that you supply to pull individual bureau files and then merge the information into one, easy-to-read file in our Hart format. We also have an auditing feature available to view the individual report from each bureau along with the merged file.

DIRECT ACCESS CREDIT REPORTS (DACR)

Our DACR System allows you to use a telephone for a credit report inquiry - PC, software, and internet access are not required. The report is delivered to a preprogrammed fax number. Experian, Equifax, and TransUnion repositories are available. Hart Credit Technology's in-house system is available 24 hours a day, 7 days a week.

Simply call the 800 number and credit reports are faxed to your office within minutes. This relieves you of time-consuming manual operations and follow-up, and also removes the limitation of the 8-hour business day. Every customer has a unique account number for security purposes and all credit reports are faxed only to your predetermined fax machine within minutes of the request.

SYSTEM TO SYSTEM INTEGRATION

We are data specialists. We can use whatever data your system generates and convert it to meet the bureau standards. We can also convert, reformat, summarize, and enhance bureau data to match your system standards.

BATCH FILE PROCESSING

In addition to real-time transactions, we are experts in processing large data files in batch mode. We can convert, restructure, organize, compare, and sort almost any type of data to fit your specifications. Our fully customizable batch file processing programs are very powerful and able to process millions of transactions in a short amount of time.

VOICE RESPONSE UNIT (VRU)

Our VRU technology "reads" key information to the user over the phone. The system allows the customer to use their cell phone or landline for the inquiry - PC, software, and internet access are not required. This application is the perfect solution when access to a PC is not always feasible. The VRU system facilitates instant approvals for kiosk, tent-sale, in-home, or other types of sales at remote locations. The system requires minimal training, and the decisioning results are consistent and available instantly - 24 hours a day.

Using sophisticated text-to-speech synthesis, the system announces the predefined results to the user, and a copy of the full report is instantly available on our website for review and processing. Optionally, the report can also be faxed to a predetermined fax number. This could be a score (or "Approved", "Need Deposit", etc.), for example.

RISK-BASED PRICING

FOR NEW CUSTOMERS

Hart has developed two simple solutions to the risk-based pricing (RBP) regulations. We have been a fully authorized and certified data processor for TransUnion, Equifax, and Experian for over 20 years. Our customers' data security and satisfaction have helped us evolve into a recognized industry leader. We look forward to the opportunity to work with you.

BATCH SOLUTION

We can set up an FTP service that will allow you to send a daily file containing all the indicative information of the customers who require an RBP letter. We will take the information, populate it into the correct letter format, add the appropriate graph depending on the score model type, and then mail the letter on the next business day.

WEB INTERFACE SOLUTION

We offer a web-based interface, very similar to all three of the credit bureaus' interfaces, where you can pull credit reports, generate RBP letters, and access many other products. This solution gives you the option of having us mail the letters for you, or you can simply print the letters and take care of the distribution yourself.

FOR CURRENT CUSTOMERS

CURRENT ACCOUNT SOLUTION

Simply have us add the RBP product to your web accounts and then we'll do the rest of the work. You will have the option of having us mail the letter directly to your customer, or you can simply print off the populated letter and distribute it yourself.

BATCH SOLUTION

We can set up an FTP service that will allow you to send a daily file containing all the indicative information of the customers that require an RBP letter. We will take the information, populate it into the correct letter format, add the appropriate graph depending on the score model type, and then mail the letter on the next business day.

[email protected]

2561 Bernville Road Reading, PA 19605