National Credit File

Access tri-bureau reports through a common inquiry and results format

National Credit File (NCF) provides online consumer credit reports to insurance carriers. The financial history of the applicant can be considered as part of assessing risk for quoting and underwriting purposes. NCF supports a common inquiry and results format for credit information obtained from the three major credit bureaus.

NCF has the ability to switch between credit vendors if a bureau is unavailable or if a credit file is not found. The NCF Duplicate Check database temporarily stores credit reports ordered by an agent, so underwriters may later access an exact copy of the credit report. A variety of insurance scores, including Attract, custom models and third-party models, can be included in NCF reports. Customized messaging can be used to automatically interpret an insurance score and provide the agent with a tier placement decision based on the carrier's criteria. Offline reports and scores are also available for account reviews.

Key Benefits Include:

  • Common inquiry and result format
  • Ability to switch between credit bureaus
  • Duplicate check database available

Get it now: for more information about LexisNexis® National Credit File, please call 800.869.0751.


  1. LexisNexis® National Credit File

Contact Us

For more information about our solutions call 800.869.0751 or contact us online

National Credit File is a consumer reporting agency product provided by LexisNexis Risk Solutions and is fully compliant with the Fair Credit Reporting Act, 15 U.S.C. 1681, et seq.

Due to the nature of the origin of public record information, the public records and commercially available data sources used in reports may contain errors. Source data is sometimes reported or entered inaccurately, processed poorly or incorrectly, and is generally not free from defect. This product or service aggregates and reports data, as provided by the public records and commercially available data sources, and is not the source of the data, nor is it a comprehensive compilation of the data. Before relying on any data, it should be independently verified.