iDecision Mobile Access to Instant Credit Approvals
Provide your customer mobile access to instant credit approvals with MicroBilt’s iDecision. Pre-approve any purchase or loan on the spot - in the store, at the customer’s home - anywhere your customer happens to be.
Get instant credit approval via Cell Phone using iDecision SMS. Simply text a customer’s 10 digit phone number and the last four digits of the customer’s social security number. iDecision SMS (Text Message) is accessible through these Carriers:
Alltel, AT&T, Boost, CellCom, Cellular One, Cellular South, Cincinnati Bell, Cricket, nTelos, Nextel, Sprint, T-Mobile, US Cellular, Verizon Wireless*, and Virgin
For instant credit decision via any Phone using iDecision IVR, simply:
- Call the iDecision 800 number.
- A customer’s 10 digit phone number, and
- The last four digits of the customer’s social security number.
iDecision uses MicroBilt’s Decision Engine, a completely customizable decisioning platform allows you to prescreen and decision using any data element within any report.
- Credit Reports from all credit bureaus (includes MicroBilt MicroMerge 3 Bureau Report)
- PRBC® Consumer Report with FICO® Expansion® Score – Expand your reach to millions of creditworthy credit-underserved consumers
- Evictions – Powerful Indicator of the creditworthiness of a consumer
- OFAC and Red Shield (Red Flags Rule Solution)
- Identity Verification Products
- Bankruptcies – ability to decision based on age or type of bankruptcy