The Company

The Company

Better Business Partners has been serving Credit Reporting Agencies and their clients since 1999.  The company does business as iCreditVision, offering web-based reporting services for lending, leasing, tenant screening, legal, and other industries.

THE SYSTEM

The iCreditVision System is a software package that provides the highest level of automation currently available in the industry. It allows you to efficiently and quickly provide credit, criminal, and eviction information services.

DATA CENTER

iCreditVision designed our systems to be very scalable for large volume applications. The iCreditVision system uses an Oracle™ database running on Unix servers protected by encryption (type AES 256 bit). This system design and our modern data center have allowed the company to scale quickly for new customers and maintain excellent response time and availability.

Our data center in downtown Los Angeles is a Telco-Grade facility featuring state-of-the-art security, uninterruptible power, and superior connectivity. The company employs a third-party cybersecurity company to insure compliance and maintain defenses.

Specifically it features:

  • Full Data Grade HVAC, with N+1 Redundancy.
  • VESDA air sampling early fire threat detection.
  • 2-factor authentication with biometric access and Card Key access control, with high-definition security cameras throughout the facility.
  • The facility is manned 24×7. Man-Trap entrance prior to elevator access to all data center suites.
  • UPS system deployed in parallel redundant configuration, with N, 2N, N+1 modules Generator backup (sufficient water and power for 28 days at 100% peak load).
  • Generator Power Capacity – Eight (8) 1500 kW and three (3) 2000 kW building generators
  • In addition the building is connected to two (2) separate power grids, and 4,000 amps of battery backup. Seismic design to withstand an earthquake of 8.3 magnitude.
  • Connectivity to all major carriers with state-of-the-art fiber optics, including direct access to the Internet backbone.

SUPERIOR MERGE LOGIC

The CreditVision Merge Logic is recognized as the most efficient and most accurate in the credit reporting industry. It merges tradelines based on the most recent and complete information provided by each repository. We can display the most derogatory information, the most recent balance, or the highest balance. We also merge all late date information to present a clear and easy to read profile of the credit applicant.

ICV WEB APPLICATION FOR CLIENTS

iCreditVision’sWeb application software allows your clients to transmit and retrieve PreQual Reports, EDI interchanges, and Electronic Credit Reports through a standard Internet connection. You receive unlimited licensing and your clients only need their browser!! It allows your clients to assign users different access levels for security reasons. Your clients have the ability to pull merged-in files from their PCs or from a laptop while in the field. The customer can view or query the PreQual on the screen or print it out on their printer.

BILLING PACKAGE and MANAGEMENT REPORTS

The iCreditVision Software includes a complete billing package which allows you to bill your clients semi-monthly or monthly. Prices can be edited right up to the time that you do your billing. And all billing information shows up on a detailed statement complete with your logo and business information. Statements can be viewed for each client and payments posted in real time. In addition to the billing package, iCreditVision also provides you with the tools you need to manage your credit reporting business. You will have real-time reports on all your clients activity, sales reports, activity reports and transaction reports. All these reports can be viewed for each client 24 hours a days, 7 days week and give you instant access to any and all credit reports flowing through your software, so you know exactly what is going on in your business anytime, anywhere.

CreditVision unique features:

  • Eliminate complicated hardware configuration
  • No more multiple phone lines and modem banks
  • Internet ready, start processing reports immediately
  • Central processing saves you time and money
  • Customized software specific to your business needs
  • Audit Notes
  • Pre-programmed pull-down remarks
  • Multiple Sort Options
  • Unlimited subscriber code entries per client
  • View and print raw reports
  • Unlimited scalability at no additional cost to you

How it works

  • The transaction originates with a query, whether from the iCV Web application, software, or an application using the API – no other hardware or connections are involved.
  • The query is processed in the iCV data center, and the requested sources are contacted.
  • The data returned from all sources is merged into one compiled report.
  • The report can be delivered in HTML, pdf, text, or xml formats.