The one with the most information has the advantage. That's the bottom-line theory behind Advantage Credit International, which provides mortgage credit information to more than 20,000 mortgage brokers, in addition to realtors and government agencies. The company also offers automated property valuation, flood zone certification, tax return verification, and mortgage fraud and identity theft protection services. It provides employment screening through Advantage Hire and tenant screening at its AdvantageTenant.com Web site. Advantage Credit, which was founded in 1991 by CEO Tim Handley, is a subsidiary of privately owned company Advantage Plaza.