Portfolio Review: At the request of a member the bureau is able to perform a portfolio scrub of the loan book. It is essentially a comprehensive review of each loan account with a view to flag it for proactive monitoring in case it shows signs of weakness or alternatively for cross selling of loan products and limit enhancement if the account reflects strong credit discipline and payment capacity. These reviews can be ordered with or without credit scores. The results are provided in XML format which can be embedded with member database for analytical purposes. This service is available both to consumer and micro-finance members. However, Portfolio Review with Credit Scores is only available to members of the consumer bureau.