Guitars - Financing - Recruiting - Project Management

Eduardo Ramirez - eRamirez.com

MLO NMLS #1086161 California and Minnesota - Approved-Inactive

Guitars - Financing - Recruiting - Credit Data - Business Loans - Point of Sale Systems - Invoice Factoring 

ID Verification.  Don’t do business with the wrong people. With identity verification products you can search multiple data source – including Federal and international watchlists – to confirm the identity of an individual or entity before doing business with them.  Cross-references multiple data sources to confirm an identity and appends a fraudulence risk score automatically. 


​​Watchlist Search.  Searches for an individual on the Federal OFAC watchlist as required by the Federal Patriot Act. 


ID Authenticate.  Easily integrated into call-centers and website, ID authenticate confirms identity through questions only the individual would know the answers to. 


Super Phone.   Super Phone is a dynamic skip tracing tool that offers you complete control over the search process when attempting to locate phone numbers, addresses and associated individual or business names.


Enhanced People Search. Quickly locate an individual while gathering critical identity and contact information in the process. 


People Search.  People Search is an early stage skip tracing tool that offers flexible request options and a simple report structure for locating an individual’s current address, previous address history, associated phone numbers and aliases. 


Address Search.   MicroBilt Address Search is an advanced skip tracing tool that offers expanded sourcing, flexible request options and a simple report structure for locating an individual’s current address, previous address history, associated phone numbers and aliases. 


Trace Detail.  Find an individual’s current address while simultaneously identifying neighbors, associated and co-inhabitants. 


Bank & Debtor Locator.   With a single convenient report, you can pull traditional credit bureau data to identify Inquiries, Employment and Address information on an individual consumer. 


SPOT Verified Bank Locator.  Locate, verify and predict the performance of an individual’s bank accounts. 


SPOT Place of Employment Report.  Simply put, the collection industry’s most comprehensive, accurate and convenient data source for place of employment reporting. 


SPOT Verified Place of Employment.  The SPOT Verified Place of Employment (POE) Report does the extra work to confirm an individual’s current place of employment. 


Property Search Report.  Property Search Report shows you property owned or recently sold by an individual. It can be searched based on an individual’s information or in reverse, based on a property address.Learn More


Decision Table.  A customizable automated loan decisioning tool. It  is a turn-key solution that allows users to customize rules to facilitate automated credit decisioning managed through MicroBilt’s online interface. In just a few seconds, Decision Table can retrieve data from one or more credit bureaus, apply a company’s decision criteria, and deliver an answer back to the end-user or applicant with the appropriate offer.  This solution gives companies the ability to create an automated decision waterfall containing up to 25 different decision tiers by selecting from over 200 credit application and report attributes including:

  • Database Prescreen Attributes
  • Bankruptcies/ Liens/Judgments, Evictions, Criminal, OFAC, etc…
  • Application Prescreen Attributes 
  • Length-of-Residence, Employment, Rent/Own, Income, Loan Amount, etc…
  • Authentication Prescreen Attributes
  • SSN Verification, Address Verification, Reported Fraud, Inquiry Activity, etc…
  • Credit Scores
  • Multiple bureau scores and models may be utilized
  • Trade Line Activity Attributes
  • Trades Past Due, Trades Delinquent, New Trades Opened, etc…
  • Negative Trade Line Attributes
  • Foreclosures, Charge-Offs, Repossessions, Garnishments, etc.


Learn More


COMPREHENSIVE FRAUD DETECTION AND DEBT RECOVERY TOOLS

Know who you’re hiring, renting to, and doing business with.