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.

iDecision SMS - Simple Credit Decisioning via Text Messaging

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

iDecision IVR

For instant credit decision via any Phone using iDecision IVR, simply:

1. Call the iDecision 800 number.
2. A customer’s 10 digit phone number, and
3. The last four digits of the customer’s social security number.

MicroBilt Decision Engine

iDecision uses MicroBilt’s Decision Engine, a completely customizable decisioning platform allows you to prescreen and decision using any data element within any report.

1. Credit Reports from all credit bureaus (includes MicroBilt MicroMerge 3 Bureau Report)
2. PRBC® Consumer Report with FICO® Expansion® Score – Expand your reach to millions of creditworthy credit-underserved consumers
3. Evictions – Powerful Indicator of the creditworthiness of a consumer
4. OFAC and Red Shield (Red Flags Rule Solution)
5. Identity Verification Products
6. Bankruptcies – ability to decision based on age or type of bankruptcy