A Few Words
About Us
SmartCredit is a unique business providing both marketing and credit risk solutions to the wider Financial Services Community with detailed specialism’s in the rapidly expanding Payday Lending Sector. Our Executive Team has over 40 years experience in Direct Marketing and Customer Recruitment and over 25 years experience in pre-screening suppression and CRA validation systems and data.
What We Offer
Real-time Bureau Services to enable Payday Lenders to benefit from the following services.
First Line of Defence is Negative Validation: To pre-screen new leads to identify prior to processing known applicants who have one or more previous outcomes of delinquency, default, bad debt or fraudulent applications matched against the Smart Suppression File (SSF). The SSF is negative suppression file complied and updated monthly from Industry contributed data to identify and alert flag the aforementioned high risk applicants.
Second Line of Defence is Positive Validation: To validate loan applications against CRA data performing ID & Anti-money Laundering (AML) checks, Bank Account and Debit Card validation, along with screening for CCJ’s , Bankruptcy, IVA and other credit risk indicators.
Bureau Services or Turnkey Systems to deliver marketing solutions
Lead Generation: A full marketing service to provide web platform technology to generate real-time leads for the Lending Community. This service incorporates web design, PPC marketing programmes and SEO management along with support direct marketing programmes.
The net outcome is we optimise your Google and SEO budget performance, identify and suppress fraudulent applications and match consumer's credit circumstance to a lender's appetite for risk. These technologies dramatically reduce the wastage in web-marketing and deliver major improvements in new customer acceptances transforming your overall ROI.