MICRO CHECK
ALTERNATIVE CREDIT DATABASE
The full picture for smarter approvals
Traditional credit bureaus don’t tell the full story. Micro Check helps you flag credit seekers and missed debts by filling in the gaps with off-bureau loan history from over 100 active lenders, helping you avoid overextending credit and catch risky repeat applicants.
Alternative loan history, in one database
Access 5M+ alternative loans, including applications and funded loans, reported by 100+ actively reporting lenders so you can get the full picture of your applicants’ borrowing history.
Flag repeat borrowers and hidden debt
Identify borrowers applying across multiple lenders to reduce stacking, fraud, and over-extension. With Micro Check, you get the full picture of an applicant’s financial history.
Skiptracing with up-to-date borrower details
Borrowers update details when they apply. Micro Check helps loan servicing and collections teams locate accounts and re-establish contact.
More complete data to enrich your flows
Micro Check adds another layer of data to your existing flows. Here’s how:
See beyond credit scores
Check alternative loan activity alongside the bureau to see the complete borrowing picture
Spot fraud before it happens
Flag fraud patterns missed by traditional credit bureaus, including “credit seekers” who apply frequently (even when they’re off-bureau)
Skiptracing made easy
Enable skiptracing with updated addresses, employment, and contact details from recent applications.
Real-world scenarios:
Check out our Loan Decisioning and Loan Servicing and Collections use cases to learn more about Micro Check in action.
Micro Check enhances your entire flow
Before the Loan
Helping lenders make a better choice.
- Access customer personal information.
- Access the total number of loans contracted by a client whether or not they have been granted, as well as the amounts.
- Discover the status of a client, and their history, as identified by other companies.
- Ensure the consistency of the information provided thanks to real-time updates.
After the loan
Access More Customer Data When Needed.
- Discover new personal customer information.
- New address, job, or phone numbers.
- Possibility of tracking.
How to Connect
Built for your needs
1: Connect once
Integration can be completed in as little as two days, with one-on-one guided support.
2: Start querying in real time
Run Micro Check at application, decisioning, or post-loan stages.
3: Layer with other Inverite products
Combine with Bank Verify or ID Verify for a complete risk view.
“Inverite has been a game-changer for our company, allowing us to make informed creditworthiness decisions. It is fast and reliable, and our clients love it. Micro Check in particular, has saved us thousands on not making bad loans. Having a client’s history with other small-dollar lenders is invaluable. It has also been a great tool for collections; I have already collected 10 overdue legal files by just having an updated address or employer of the debtor.”
Who is Micro Check for?
Alternative and non-prime lenders
Risk, underwriting, and fraud teams that need visibility beyond bureau data
Credit Unions & digital lenders
Decisioning teams wanting to approve more good borrowers without increasing risk
Loan servicing and collections agencies
Operators locating borrowers, validating affordability, and setting payment arrangements