Lexis Nexis's 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.

Vendor Contact

No designated contact at this time.

Getting Started

  1. Contact Lexis Nexis
  2. Complete paperwork
  3. Lexis Nexis will provide
    • Client Id
    • PNC Account Number
    • Carrier Account ID
    • Carrier Account Number
    • Rule Plan ID
  4. IWS will provide
    • URL to the service's HTTP endpoint
  5. Determine your credit tiers
  6. Determine if and how credit tiers will affect your rating
    Work with your IWS Content Analyst to build the credit tiers into your rating
  7. Determine a default credit tier and what to do if multiple scores are used: use the highest, lowest, or an average

BriteCore Setup

Lexis Nexis Vendor

  1. Navigate to Settings > Vendors > Lexis Nexis Credit Scoring
  2. Check the box
  3. Click the pencil
  4. Enter the information provided by Lexis Nexis
  5. Make a selection from the Multiple Credit Scores dropdown
  6. Set a Default Credit Score, which is the used when no credit score is available for the insured
  7. For Credit Score Permission Prompt type a question that agents must answer before pulling an individual's credit. This is optional and may be left blank. A recommended question is Did you receive permission from the insured to pull their credit score?
  8. For the Build Tier Label section
    • Add tiers to the table for defining how credit scores in specific ranges should be reported. For example, credit scores between 601 and 700 could fall under the tier of Average. In order to accommodate all possible responses from Lexis Nexis, the Low and High columns accept keywords in addition to numeric values. The keywords are case sensitive and must be entered exactly as stated below in the Low and High columns
      • No Hit Indicates the applicant has no credit history - no records found
      • None Indicates missing information or misinformation for requested applicant
    • Add Labels to each tier that will appear in place of the score
    • Add Restrictions to each credit score tier

Order Reports by Agency

  1. Navigate to Contacts
  2. Access an agency
  3. Scroll to Credit Score Account
  4. Enter the account number for the agency
  5. Click Save
  6. Repeat for each agency

Adverse Action Letter (Insurance Scoring Notification)

The Fair Credit Reporting Act requires an Adverse Action Letter be sent to insureds whose insurance coverage is adversely affected as a result of the information in their credit report:

  1. Navigate to Settings > Deliverables > Insurance Scoring Notification
  2. Click the pencil
  3. Change the name of this deliverable (not required)
  4. Update the following lines of the document
    • Line 12 Add an abbreviation for your company
    • Line 15 Add an appropriate signature
    • Line 17 Add an appropriate footer
    • Lines 19 - 20 Add an appropriate default description for Credit Reason Codes that are not defined
    • Line 24 Add all appropriate Credit Reason Codes and descriptions. These reason codes are defined by TransUnion and are specific to individual contracts. Contact your TransUnion representative for a comprehensive list of codes to use

Going Live

Contact Lexis Nexis to ensure your account has been converted to production.

BriteCore Processing


  1. While quoting, click the Get Credit Score button
  2. The Credit Score Permission Prompt will appear
    • If the agent clicks No, a credit report will not pull
    • If the agent clicks Yes, a credit report will pull
      The Credit Score Permission Prompt will default to Yes if the insured's credit score has previously been pulled

The agent will see the label wording as setup in Settings > Vendors > Lexis Nexis Credit Scoring and will not have access to the report.


  1. Access the credit score history and report from the insured's contact in the Contacts module
  2. Click the magnifying glass to review the report
  3. For renewals, click Get Credit Score to retrieve a new score
  4. To generate the Adverse Action Letter (Insurance Scoring Notification)
    • Navigate to the policy
    • Click the Custom Deliverable button
    • Select the deliverable
    • Click Done
    • Select the insured
    • Click OK
    • The deliverable will print automatically the next day
  5. You can build a credit score report in BriteData (optional)
    • Access and download the sample report to your computer
    • Upload the sample report to BriteData
    • Amend the report as desired


Set Number of Months Credit Score is Valid

By default, when an insured with a credit score on file starts a new quote, his/her’s most recent credit score will automatically pull into the new quote. The months-credit-score-valid setting determines the number of months his/her credit score is valid before a new one has to be pulled. To enable the months-credit-score-valid setting, contact IWS and provide the number of months you would like a credit score to be valid.

IWS Only

  1. Navigate to Settings > Advanced
  2. Search for months-credit-score-valid
  3. Enter the number of months as a definable integer


Does the Adverse Action Letter (Insurance Scoring Notification) generate automatically?
No, it must be selected from the Custom Deliverable button of the policy.

More information

General Information

  • See lib/vendors/lexis_nexis/README.md and lib/vendors/lexis_nexis/national_credit_file/README.md
  • Requests are delivered to a server. See PR 84 for more information
  • Credit scores and reports are stored in credit_reports

Agency Report Ordering

  • Agency credit score ordering was introduced in PR 4641
  • If an agency does not have an account number, the carrier's account number is sent. The account number used for a given request is stored as <pnc_account> in credit_reports.content


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