Close Deals Faster with Confidence
Instant Soft Pull Prequalification with Built-In Fraud Protection for Auto Dealerships
Prequalify Customers Instantly Without Impacting Credit Scores
Independent and BHPH dealerships need fast, accurate prequalification to close more deals and improve customer satisfaction. ACT AI Auto delivers instant soft pull credit checks that don’t affect customer credit scores—combined with powerful fraud detection that protects every application.
Our fraud-enabled prequalification platform prefills applications with captured driver’s license data, integrates credit bureau fraud indicators into our scoring engine, and delivers qualified leads directly to your CRM—all in under 60 seconds.
🚨 Why Fraud Protection Matters in Prequalification
Prequalifying customers isn’t just about speed—it’s about protecting your dealership from costly fraud while accelerating legitimate deals.
The Cost of Fraud in Auto Dealerships
5-10%
Average fraud rate in auto lending without proper detection
80-90%
Fraud prevention rate with AI-powered detection
<60 sec
Time to complete fraud screening and prequalification
Dealer Fraud Is Increasing Rapidly
Recent industry research shows:
- Nearly 9 out of 10 dealerships now view fraud as a top operational concern.
- Dealerships reported an average of about four fraudulent deals completed before detection over the past year.
- 45% of dealerships estimate a single fraudulent deal can cost them between $10,000 and $20,000.
- Nearly 50% of dealers say they lost four or more vehicles to identity fraud over the past two years.
Without proactive fraud screening integrated into your prequalification process, even soft pulls can expose you to synthetic identity fraud and other sophisticated schemes.
The Power of Instant Prequalification
<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
Fraud-Enabled Prequalification: The Complete Solution
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
Maximum Protection: Add Driver’s License Verification
For the most complete fraud solution, combine soft pull prequalification with AI-powered driver’s license verification. This dual-layer approach catches fake IDs, verifies DMV records, and cross-references the global fraud database—before you run credit.
AI Fake ID Detection
Advanced AI instantly analyzes driver’s licenses for tampering, forgeries, and fake documents—before you waste time on a fraudulent application.
Real-Time DMV Verification
Cross-reference every license against state DMV databases in seconds, ensuring compliance and building a complete audit trail.
Global Fraud Database
Tap into a network of dealers sharing fraud intelligence. Receive instant alerts if a flagged ID appears at your dealership.
Why Dealers Choose ACT AI Auto for Prequalification
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.
How It Works
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
Real Results from Real Dealers
“ACT AI Auto cut our prequalification time from 15 minutes to under a minute. The auto-prefill from license capture eliminated data entry errors, and the fraud protection gives us confidence in every deal. Our close rate improved 23% in the first month.”
— Independent Auto Dealer, Arizona
Start Prequalifying Customers Today
Get instant soft pull prequalification with built-in fraud protection. Try ACT AI Auto free for 14 days with 40 complimentary scans. No long-term contract. Setup in under 24 hours.
Limited Time Offer: 40 Free Scans | 14-Day Trial | No Credit Card Needed
Frequently Asked Questions
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.
Ready to close more deals? Contact us at info@accesscapital.tech or call (833) 896-4ACT