HELPING YOU TO GET TO TOP SPEED - SOLUTIONS FOR THE MOTOR FINANCE INDUSTRY
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HELPING YOU TO GET TO TOP SPEED SOLUTIONS FOR THE MOTOR FINANCE INDUSTRY
MOTOR FINANCE Why you should put Callcredit in the driving seat 1
MOTOR FINANCE
+ Our SHARE database includes financial + Multi-bureau experts DecisionMetrics + We have PEPs and Sanctions matching
records from all major UK banks and are part of the Callcredit Information - Our PEPs and Sanctions matching has
building societies as well as alternative Group. This in-house expertise means been developed in line with JMLSG
finance, utilities and telecoms providers, that we understand the benefits of guidelines to help meet regulatory
retail, insurance and motor finance switching to multi-bureau better than requirements
any other CRA and can help you to
+ Our income verification capability is boost your acceptance rates + We get things done! Our speed of service
second to none and fast turnaround times ensure that you
+ We are able to display Short Term Loans are always on a green light
+ We are the only CRA to have over 9 years independently from other financial
of affordability experience and extensive records. We were the first Credit + We will not interrupt your customer
market coverage including 6 years’ history Reference Agency to have a specific journey. Our state-of-the-art technology
of lenders verified application income and ‘Short Term Loan’ product category ensures that all of our checks are
current account turnover data carried out in less than two seconds
+ Our new product MOGObankconnect giving you market leading response
+ We have more credit performance data on enables your customers to share their times and a seamless customer journey
18-24 year olds than any other bureau due online banking transaction data for
to having greater coverage of Alternative more detailed, real-time income and + We make integration easy
Lending data than our competitors expenditure assessments
+ We provide genuinely flexible and
configurable solutions
We were looking for a customer verification solution that would complement our current approach of
putting the customer first whilst at the same time meeting every customer face-to-face. Callcredit was very
helpful and keen to listen to our needs. We found other agencies weren’t as forthcoming and didn’t value us
as a client. Callcredit understood the importance of our requirements and provided a robust and effective
solution. We would certainly recommend Callcredit.
MARK SMITH,
Managing Director, The Car Finance Company
2MOTOR FINANCE
Steer your customers
towards the best deal
ENCOURAGE YOUR CUSTOMERS TO GET THE BEST FINANCE DEAL IN THE MARKET
BY USING A QUOTATION SEARCH THAT WILL NOT IMPACT THEIR CREDIT FILE.
Quotation searches through Callcredit leave a soft footprint on a person’s credit file rather than a
hard footprint that would be left by a full credit application. A soft footprint does not affect a person’s
credit score and allows the customer the freedom to shop around without the worry of affecting their
credit worthiness.
HELP YOUR CUSTOMERS TO MAKE THE CONTINUOUSLY IMPROVE YOUR CREDIT
RIGHT CHOICE. AND RISK STRATEGIES. Our quotation
searches will
By completing one quotation form you can have Our fully flexible decision engine software allows
not leave a hard
a credit decision from several finance providers you to create bespoke and differentiated credit
footprint on a
in seconds. This enables you to discuss the credit and pricing strategies for your customer base.
options available for each individual customer
person’s credit file.
and make sure they are making the right choice Using a ‘point and click’ graphical user interface
for them. you can configure your own scorecards, policy
rules, terms of business and decide when to
request data from internal or external sources
including credit bureaux.
3MOTOR FINANCE
Give your customers the
green light in seconds
INCREASE YOUR CUSTOMER ACCEPTANCE RATES WITH SEAMLESS
CUSTOMER VERIFICATION.
We validate identity by checking that the name We have a vast range of verification checks to
and address exist within our unrivalled databases help you prove a person owns an identity. You
of quality, robust data sources. We enhance the have complete control of how strong a verification
confidence of the identity by adding valuable check you want to deploy, from validating license
information such as the number of times it has details, linking card or bank account to name and
appeared and detailed information about the data address or deploying questions (knowledge based
source it has been matched against. authentication), all of which put you in complete
control of the customer experience.
INCREASE ACCEPTANCE RATES AND SPEED UP THE APPLICATION PROCESS BY
ENABLING YOUR CUSTOMERS TO SHARE THEIR ONLINE BANKING TRANSACTION DATA. Significantly
reduce the end
MOGObankconnect provides your customers with uniquely fast way to verify and transmit financial to end timeframe
a facility to simply, securely and quickly package data and bank statements, whilst at the same of the whole
up their online banking transactional data and time helping to dramatically streamline lending
acquisition
transmit them directly to you. This provides a decisions.
process.
ELIMINATE THE DELAYS CAUSED BY SOURCING DOCUMENTATION.
We’re providing a new and innovative method of digitally interacting with customers. The software uses a
single use app based sealed smart browser that automatically navigates and streams online banking data
from the safety of a consumers’ personal device.
+ Customers do not need to + Their credentials are never + Data is passed directly to
disclose any online log ins handled by any third party you in a categorised, secure
server or seen by anyone PDF file which cannot be
other than the consumer and tampered with
their online bank provider
FULLY CONFIGURABLE KNOWLEDGE BASED AUTHENTICATION CHECKS.
Head-to-head
Verify the identity of your customers with the controlled use of challenge and response questions.
trials against our
Our solution is flexible and can be implemented whether you are within a dealership environment
competitors show
or interacting with customers online. We give you full control of:
that we are able
+ Type of question + Strength of questions + When to deploy them to generate more
questions and
+ Quantity of questions + Priority orders + Pass criteria
increase customer
acceptance rates.
USE OUR VERIFICATION CHECKS AS PART OF YOUR INTEGRATED
E-SIGNATURE SOLUTION.
We partner with e-signature providers and integrate our data into their solution. If you already have
an e-signature provider in place then talk to us about getting Callcredit checks built in.
4MOTOR FINANCE
Drive responsible
lending decisions
DEMONSTRATE A COMMITMENT TO DELIVERING BEST PRACTICE RESPONSIBLE
LENDING BY ENSURING THAT APPLICANTS ARE ABLE TO AFFORD THE LOANS THEY
ARE TAKING OUT.
Callcredit provide a market-leading service to enabling you to ensure a smooth customer journey
verify your applicant’s income is as stated at the and a fair decision for your customer.
point of application, alongside our credit and
verification checks. As well as providing assurance that your
applicant can make the repayments it also
We utilise our vastly superior coverage of credit helps to streamline your application process by
turnover values (supplemented with application reducing the need for manual intervention. As it’s
salaries) to provide an Affordability Report. available as a stand-alone product our income and
The highlight feature is a traffic light system for affordability checks can be used independently
validating income. By supplying us with your lending from our other services as part of an intelligent and
tolerance levels we can provide you with a simple dynamic approach to validating new business.
red, amber or green status against an applicant
Helping you to navigate
the fraud landscape
INSTANTLY CHECK THE ACCURACY OF YOUR CUSTOMER’S IDENTITY AND PAYMENT
DETAILS, DETECT INCONSISTENCIES AND PROTECT YOURSELF AGAINST FRAUD -
ALL IN ONE SECURE, RELIABLE ONLINE ENVIRONMENT.
CARD AND BANK ACCOUNT valid and are connected to the name and address
AUTHENTICATION THAT HELPS YOU of the individual presenting the account details.
TO TRULY KNOW YOUR CUSTOMER. Uniquely, our checks can also highlight where a
bank account is unconsented.
Our card verification solution provides confirmation
that the debit or credit card presented is valid Our unique Ownership Fraud Alert will help you
and linked to the individual presenting it. As well identify those cards and bank accounts which are
as confirming that the card is live, our unique owned by a completely different individual.
matching will also link the card back to the
individual owner providing different match levels
against the individual and card issuer portfolio.
Our Bank Account Validation uses real-time
checks against the Banking network and provides
confirmation that a bank account and sort code are
5MOTOR FINANCE
Give your debtors the
high-speed chase
LOCATE YOUR CUSTOMERS IN JUST ONE CLICK.
Our revolutionary online tracing tool, Retriever, We then search our extensive trace universe for
helps trace specialists search individuals quickly a best fit through the use of knowledge graphs
and easily. and other big data technology. This technology
instantly returns results which are ranked and
Using a user-friendly search engine style interface, ordered according to the similarities with the
you can search for an individual using whatever information entered by the trace agent, reducing
information you know via a single search entry box. the time spent on a manual trace.
Callcredit brings a new level of innovation to the Trace industry. Rather than starting
an investigation from scratch, Retriever permits Trace Specialists an immediate
insight into key indicators regarding a customer’s whereabouts and furthermore,
supplies them with data in order to attain that direct contact they are seeking.
Helping you to develop
the right road map
CONSULTANCY THAT CAN HELP YOU MAKE SMARTER, MORE ACCURATE DECISIONS.
Our dedicated consultancy, planning and analysis suggest which policy rules, risk and fraud variables
teams work with businesses from Motor Finance as are typically the most predictive and will help you At the heart of
well as Financial Services, Insurance, Public Sector, to make fast informed decisions. our proposition
Gaming, Retail and Debt Management to ensure is an absolute
they are getting the best possible results from our Our post-decline analysis can help you to make
sure your acceptance criteria is working for
commitment to
products.
your business and we can help you to tailor it helping our clients
Using our proven consulting model, we’ll help you accordingly. make smarter,
discover new opportunities, make efficiencies more accurate
and implement changes to get real results. When Our market insight can help you to build a picture decisions.
it comes to implementing our recommendations, of your competitors and how your business
you’ll receive continual support. Working with you compares to the market average.
from conception through to rollout and evaluation
Our wealth of expertise, innovation and dedication
we’ll ensure you achieve your objectives.
ensure our clients receive unrivalled levels of
service, whether supporting ongoing activities,
HELPING YOU TO MAKE FAST DECISIONS.
transferring from another data provider or
We can provide bespoke motor finance strategies launching operations.
and scorecards for your business. Using our
knowledge and experience in the sector we can
6For further information contact a member of our dedicated motor finance team: 0113 388 4300 enquiries@callcreditgroup.com callcredit.co.uk/motorfinance
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