<60 sec

Time to complete prequalification with fraud screening

0 Impact

Soft pull has zero effect on customer credit scores

Auto-Fill

Applications prefilled from driver’s license capture

Instant Soft Pull Credit Checks

Prequalify buyers in seconds without affecting their credit scores. Get instant credit tier information, estimated financing terms, and complete credit reports—all through a simple, customer-friendly interface.

• No credit score impact—soft pull only
• Instant credit tier identification
• Faster approval decisions
• Better customer experience

Enhanced Credit Bureau Fraud Protection

Credit bureau fraud indicators integrate directly into ACT’s fraud scoring engine, adding another critical layer of protection. Detect synthetic identities, thin files, and data inconsistencies instantly.

• Credit bureau fraud indicators integrated
• Data consistency validation
• Thin file detection (synthetic fraud)
• Multi-layer verification

Auto-Prefilled Applications from ID Capture

Eliminate manual data entry and reduce friction. When combined with driver’s license capture, soft pull applications automatically prefill with OCR-extracted customer data—ensuring accuracy and speed.

• Zero manual data entry
• OCR-extracted license data
• Reduced application errors
• Faster processing time

Custom Lead Routing by Credit Tier

Route leads intelligently based on credit tier. Send prime customers directly to sales, sub-prime to specialized financing, and high-risk applications to manual review—all configured to your workflow.

• Tier-based lead routing
• Custom messaging by tier
• CRM/DMS integration
• Automated workflow optimization

Close Deals Faster

Instant prequalification eliminates waiting and speeds up the entire sales process. Customers get immediate answers, and your team can focus on closing deals instead of processing paperwork.

Reduce Friction & Improve CX

Soft pulls don’t impact credit scores, giving customers peace of mind. Auto-prefilled forms eliminate tedious data entry. The result: happier customers and higher conversion rates.

Stop Fraud Proactively

Credit bureau fraud indicators catch sophisticated synthetic identity fraud that simple ID checks miss. Combining credit data with license verification provides the most complete fraud protection available.

Seamless Integration

Deliver qualified leads directly to your CRM, DMS, or email. Configure custom routing rules based on credit tier. No manual processes, no delays.

Flexible Configuration

Use prequalification standalone or combine it with driver’s license capture. Configure customer messaging, form fields, and lead routing to match your exact workflow.

Same-Day Setup

Fully web-based, no software to install. Most dealerships are prequalifying customers within 24 hours. No implementation fees, no contracts, straightforward monthly billing.

1

Customer Accesses Prequalification Form

Via QR code, link, or integrated into your website

2

Optional ID Capture Auto-Prefills Form

OCR extracts data from license, eliminating manual entry

3

Instant Soft Pull & Fraud Analysis

Credit tier identified, fraud indicators integrated

4

Qualified Lead Delivered to CRM

Routed by credit tier with complete fraud report

Will soft pull prequalification affect customer credit scores?

No. ACT AI Auto uses soft pull inquiries that have zero impact on customer credit scores. This gives customers peace of mind and improves their experience at your dealership.

Can I use prequalification without driver’s license capture?

Yes. ACT AI Auto is fully modular. You can use prequalification standalone, license capture standalone, or combine both for maximum fraud protection and efficiency.

How do credit bureau fraud indicators work?

Credit bureaus provide fraud indicators as part of the soft pull report. These indicators identify suspicious patterns like thin files (common in synthetic identity fraud), data inconsistencies, and other red flags. ACT integrates these directly into our fraud scoring algorithm.

What happens to the prequalification data?

Qualified leads are delivered directly to your configured destination—CRM, DMS, secure email, or webhook. You can route leads based on credit tier and customize messaging for each segment.