User Guide: Setup > Loan Setup > Credit Bureau
NLS Interface
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Credit Bureau

The global setup for Credit Bureau is configured from the Credit Bureau sub-category under Loan Setup.


Click Add Add to configure a new credit bureau header.

Enter the unique ID code provided to you from the various reporting agencies in the appropriate fields. Enter the reporter name and address as defined in your accounts with the reporting agencies. Enter your identification number. This is a number used to uniquely identify a data furnisher. It is your internal code to identify the particular branch office from which the data originated.

NLS 5.14 and later

SFTP the Metro 2 File

To transmit the Metro 2 file electronically via SFTP, select SFTP the Metro 2 File and choose a SFTP server as configured in Setup > System > SFTP Settings.


NLS 5.16 and later

Optional Segments

Selected segments, if available, will be included in the Metro 2 file.

Segment N1 – if a primary employer exists and its end date is not defined or is after the current date, the primary employer will be included in the Metro 2. Else, the first employer with an undefined end date or an employer with an end date farthest into the future will be included. If no employer matches these criteria, N1 will not be filed.

Requesting Credentials

If you are going to be pulling credit reports into NLS, configure the credentials provided to you by the credit bureau on the Requesting Credentials tab of the Credit Bureau Setup.


NLS 4.9.3 and later

Risk Based Pricing

To enable the receiving of risk based pricing add-on data from a credit bureau click Add Ons and select Risk Based Pricing in the Add Ons dialog. The data returned by the credit bureau is a ranking percentage of the credit score. A min/max credit score value may also be requested from TransUnion.


NLS 4.10.6 and later

Military Lending Act (MLA)

To enable the receiving of Military Lending Act add-on data from a credit bureau click Add Ons and select Military Lending Act (MLA) in the Add Ons dialog. The information received—MLA Covered Borrower status—will be displayed in the Special Messages section of the credit report.

For more information, see Credit Profile.



Updated: 2019.12.05


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