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The Merit Credit Engine is a powerful credit report retrieval software application from Merit Credit Systems that makes it possible for Internet or in-house business systems to integrate data from any or all of the three national credit repositories: Equifax, Experian, and TransUnion. HR-XML is a set of XML specifications from the HR-XML Consortium designed to foster the interoperability of human resources software applications and services. This study details Merit's implementation of HR-XML into the Merit Credit Engine, the challenges that were presented, and the benefits that have been derived.
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