Unlock Deeper Insights with Alternative Credit Data

Leverage non-traditional data for deeper insights beyond conventional credit reports

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What is Alternative Credit Data?

Alternative credit data encompasses a wide range of non-traditional financial information that offers unique insights into individuals' and businesses' creditworthiness. From utility payments and rental histories to bank account information and property ownership records, our service compiles diverse data sources to provide a holistic view of an applicant's financial profile.

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SMS

Soft Credit check via SMS

A client texts the word "Go" to your Monitor Base phone number, they instantly gets a link where they provide their name and address and see the loan programs they credit pre-qualify for in seconds.

Mail

Soft Credit check via Email

A client clicks a SoftPull button in you or your agent's email where they provide their name and address and see the loan programs they credit pre-qualify for in seconds.

WEB

Soft Credit check on your Website

Integrate our webforms and customers who visit your website can enter the details and you will be instantly notified if they meet the eligibility criteria

FEATURES

Why Choose Our Alternative Credit Data Service?

Book a Demo
one

Comprehensive Insights

Our software provides instant access to employment verification data, eliminating the need for time-consuming phone calls or email exchanges.

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Enhanced Decision-Making

Make more informed lending decisions by leveraging alternative credit data to assess risk and tailor loan terms to individual circumstances.

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Expanded Reach

Reach underserved populations and individuals with limited credit history by considering alternative credit data, allowing you to tap into new markets and expand your customer base.

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Improved Accuracy

Validate income, employment, and payment histories through alternative credit data, reducing the risk of defaults and improving portfolio performance.

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Streamlined Processes

Our software seamlessly integrates with your existing HR systems, making implementation quick and hassle-free.

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Unlock the
Benefits of Automated Bank Verification

By choosing CreditRaptor for your bank verification needs, you'll experience a wide range of benefits
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Time Savings

Say goodbye to lengthy manual verification processes and hello to instant results, allowing you to make faster decisions and improve overall efficiency.

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Reduced Errors

Eliminate the risk of human error associated with manual verification, with our software providing accurate and reliable results every time.

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Enhanced Customer Experience

Impress your customers with quick and hassle-free verification, leading to improved satisfaction and loyalty.

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Improved Compliance

Stay compliant with regulatory requirements and industry standards, with our software providing built-in compliance features to ensure peace of mind.

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Cost Savings

Save time and resources by automating your verification process, reducing operational costs and maximizing profitability.

Soft pull and Hard pull (Heading missing)

Data on the Reports

Soft Pulls

Hard Pulls

FICO® Scores
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Tradelines
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Inquiries
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Collections
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Public Records
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Employment History
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Potentially Lowers Score
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Places Hard Inquiry on Report
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Requires SSN
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Requires Date of Birth
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Can Present Terms to Client
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Can Effectuate a Loan
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Requires Borrower's Consent
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Impact on Credit Score
Minimal or None
Can decrease
Frequency of Use
Multiple times
Limited
Time to Reflect on Report
Generally faster
Takes time

How it works

01
Sign Up

Create an account with Credit Raptor and subscribe to our services.

02
Customize Settings

Tailor the platform to your business needs, including selecting data providers and configuring compliance settings

03
Conduct Inquiries

Enter customer information and initiate hard credit inquiries with just a few clicks

04
Access Reports

Receive instant access to comprehensive credit reports, allowing you to make informed decisions quickly.

05
Ensure Compliance

Monitor compliance status and generate compliance reports effortlessly using our built-in features

How it works

01
Data Collection

We gather alternative credit data from a diverse range of sources, including utility providers, rental agencies, financial institutions, and public records.

02
Data Aggregation

Our advanced algorithms aggregate and analyze the collected data to generate comprehensive credit profiles for applicants.

03
Reporting

You receive detailed reports that highlight key insights and trends, allowing you to make data-driven lending decisions with confidence.

04
Ongoing Support

Our dedicated support team is here to assist you every step of the way, ensuring a seamless experience and maximizing the value of our service.

What Our Clients Are Saying

Don't just take our word for it – hear what our clients have to say about their experience with our software Credit Raptor

"Our company was spending hours on employment verification before we discovered this software. Now, with just a few clicks, we can verify our employees' employment history instantly. It's a game-changer!"

Sarah

HR Manager

"I was skeptical at first, but after using this software, I can't imagine going back to our old verification process. It's efficient, accurate, and saves us so much time."

John

Hiring Manager

Shaun Lee

Marketing Manager
Linkldn

Mary Sombra

Marketing Manager
Linkldn

Ready to harness the power of alternative credit data? Sign up for our service today and take your credit evaluation process to the next level. With our comprehensive data insights and user-friendly platform, you'll be equipped to make smarter lending decisions and drive business growth. Unlock the potential of alternative credit data and transform your lending operations today.

Still not sure ?
To learn how credit report data can be leveraged to gain business benefits
Schedule a Demo
To leverage data from credit reports for strategic business benefits
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