Proactively Manage Consumers with Locked or Frozen Credit Files with Precheck

Precheck™ allows lenders to check if a consumer has a lock or freeze prior to processing a prequalification, credit application or post-check for a prescreen. Identifying file status early gives you the opportunity to proactively assist and support your consumer in ways that help keep things moving forward while delivering a frustration-free experience.

Benefits

Insight
Early Insights
Gain early insights to a consumer’s locked or frozen file status
CallCenter
Improved Customer Experience
Proactively engage with locked and frozen consumers for a more positive experience
NoInquiry
No Inquiry Posting
Access file lock or freeze status without posting an inquiry

Key Features

    • circled-check
      Integrates into your current credit decision flow
    • circled-check
      Instantly returns the access status of the consumers file
    • circled-check
      Differentiates whether a file is locked or frozen

Use Cases

Precheck™ is for businesses that want:
  • To assist a consumer shopping online to see what offers are available to them. Lender can precheck to see if they’re locked or frozen
  • To assist a consumer applying for a credit card at the cash register or online by confirming if they’re locked or frozen
  • Check for frozen or locked account when a consumer moves forward with the firm offer of credit from prescreen

Precheck™ is for:
  • Financial Institutions 
  • Banks
  • Lenders
  • Credit Unions
  • FinTech’s
  • Mortgage 
  • Auto
  • Auto dealers
  • Insurers
  • Government
  • Utilities
  • Communications

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