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Industry’s highest data quality
File OneSM represents the industry’s highest quality source of credit information measured by content, depth, accuracy, currency and consistency. Comprised of more than 30 years of gathering data from more than 10,000 direct data sources, File One maintains credit information on more than 215 million credit-active consumers.
ContentFile One is a comprehensive source of all data associated with a consumer. It provides national coverage with more than 2 billion tradelines, 47 million public records and 521 million inquiries.
DepthData retention rules ensure the most comprehensive history is available, to assist you in making the most informed decisions about your applicant.
AccuracyFile One is the only database that pulls together all of the credit information for a single consumer in one file. File One provides an accurate, total composite for each consumer, eliminating multiple or partial files and the extra work of manual reviews. This totally integrated approach provides credit data to you with greater speed, precision and reliability than ever before.
CurrencyUpdates to File One are made continuously, providing you with an up-to-date picture of a consumer’s payment history. You can more accurately predict consumer behavior, resulting in lower costs, lower risk and greater profitability.
ConsistencyFind Consumer, the industry’s most sophisticated search and match logic, is used in both the File One update and retrieval process, providing uniform access and representation of data for a consumer over time.
Make decisions with greater clarityFile One provides an unparalleled information resource driven by the industry’s only true, relational database. It is this innovative technology with its advanced search and match logic, Find Consumer, that enables you to extend beyond the boundaries of what was once possible and make decisions with greater clarity than ever before.
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Search and match tools unparalleledUsing search and match algorithms to update and retrieve data, File One minimizes fragmentation, ensures consistency and allows problems to be more quickly identified and resolved.
Continuous daily updatesFile One generates more than 1 million credit reports and up to 80 million updates per day.
For more information about the File One database, please contact us at 1 888 414 1120.
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Industry Solutions
Credit Solutions
