Attribute Pro® allows users to create complex, custom credit attributes through the use of a graphical interface. This enables anyone, even non-programmers, to easily create credit attributes with a few keystrokes or clicks of the mouse. Companies utilizing Attribute Pro® will be able to drastically reduce the time and cost required for development of credit attributes.

Listed below is a sample of the literally thousands of different credit attributes that could be created with this program. Next to each attribute is the number of mouse clicks and/or keystrokes needed to create that attribute.

• "Number of Bank Revolving trades opened within the last 2 years" (5 mouse clicks)
• "The total outstanding Balance on all Revolving trades containing any Delinquency within the last 6 months" (4 mouse clicks)
• "Number of 60 Day Lates on Non-disputed Installment trades with a Past Due Amount greater than $50" (3 key strokes and 4 mouse clicks)
• "Percent of credit utilization on Non-delinquent, Revolving trades with a Credit Limit above $5000" (5 keystrokes and 4 mouse clicks)
• "Maximum number of instances, on any single Mortgage trade, of 30 Day Lates within the last 5 years" (4 mouse clicks)
• "Number of months since most recent Collection with a Charge Off Amount between $150 and $2000" (10 key strokes and 3 mouse clicks)

Attribute Pro® can create credit attributes from any existing merged credit report in the MISMO XML format. Attribute Pro® also accepts up to six credit repository infiles from any of the three major repositories - Equifax (version 5.0 or 6.0), Experian (version 7) and Trans Union (version 4.1). It outputs its results in MISMO XML.

Attribute Pro® includes the Merge Pro™ merge engine which gives the user the flexibility to calculate the attributes from either the merged or un-merged data.

1. Utilizing Attribute Pro® will lower your companies attribute development and processing costs by at least 95%.

2. It gives your company complete control over the attributes. You could modify and add new attributes whenever you'd like, without the need to coordinate these changes with multiple companies.

3. It ensures that your credit attributes are all created with exactly the same logic. Since companies sometimes utilize multiple credit reporting companies to process their attributes, they are opening themselves up to the probability that differences in attribute logic between the credit reporting companies will cause inconsistent results.

4. It allows your company to create attributes on cases that you've obtained through any channel, not just via the specific credit reporting companies that have coded your attribute logic. This could drastically increase the number of cases that you're able to create attributes for.

5. It frees you from having to create attributes at the moment the credit report is created, as is normally the case when one of the credit reporting companies processes your attributes. This enables you to do portfolio scoring at a later date if needed.