Empower Your Decision-Making with Our Income Estimation Services!

Get comprehensive income estimates that encompass salary, rental income, investments, alimony, and more.

Book a Demo
Service bg

What is income estimation service?

Gain valuable insights into your customers' financial profiles and make informed decisions with our comprehensive Income Estimation Services. Leveraging multiple data providers, advanced data analytics, and machine learning algorithms, we offer accurate and reliable income estimates. These insights help you better understand your target audience and customize your offerings accordingly. Our Income Insight calculates overall income, covering wages, rent, investments, alimony, and more.

dotted arrow
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

SMS

Judgements

A civil judgment occurs when a creditor wins a lawsuit over an unpaid debt, which can even include overdue child support. This legal action grants creditors new avenues to recover funds, such as seizing assets from bank accounts. Judgments affect loan eligibility, alongside credit profiles, underscoring their importance in financial decisions. Our verification service ensures thorough assessment of such factors, aiding informed decisions.

Mail

Liens

Tax liens are filed by the IRS against tax delinquents, automatically triggered for debts exceeding $10,000. These liens enable the IRS to claim proceeds from asset sales to cover unpaid taxes. While not on credit reports, tax liens impede financial stability, affecting loan repayment capacity. Our software employs advanced algorithms and comprehensive databases to assess bankruptcy, liens, and judgments, aiding businesses in evaluating lending risks effectively.

WEB

What we offer

Our Income Insights report furnishes the following details

Assessment of whether the applicant's credit behavior matches their self-reported income.

Estimation of the variance between the applicant's reported income and the Income Insights estimate.

Recommendation on whether to request further proof of income, like recent pay stubs, from the applicant.

WHY CREDIT DECISION ENGINE ?

Heading missing

Save time and effort with streamlined income verification
Confirm alternative income sources efficiently
Accelerate applicant approval process
Gain trustworthy results  

FEATURES

Key features of our income estimation service

Book a Demo
arrow dotted

Discover the
benefits of Income estimation service

By choosing Credit Decision Engine for your bank verification needs, you'll experience a wide range of benefits
Icon button

Automate Income Verification

Automate income and asset verification, saving time and costs. Save time and effort with streamlined income verification. Get insights of alternative income sources too.

Icon button

Enhanced Customer Targeting

Gain insights into customers' financial status for precise targeting.

Icon button

Risk Management Improvement

Utilize modeled debt-to-income ratios for better risk assessment.

Icon button

Optimized Collections

Segment defaulted borrowers to maximize collection efforts.

Icon button

Streamlined Processes

Access streamlined results through online reports and batch processes.

Soft pull and Hard pull (Heading missing)

Data on the Reports

Soft Pulls

Hard Pulls

FICO® Scores
checkmark
checkmark
Tradelines
checkmark
checkmark
Inquiries
checkmark
checkmark
Collections
checkmark
checkmark
Public Records
checkmark
checkmark
Employment History
checkmark
checkmark
Potentially Lowers Score
cross mark
checkmark
Places Hard Inquiry on Report
cross mark
checkmark
Requires SSN
cross mark
checkmark
Requires Date of Birth
cross mark
checkmark
Can Present Terms to Client
checkmark
checkmark
Can Effectuate a Loan
cross mark
checkmark
Requires Borrower's Consent
checkmark
checkmark
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

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

"Since implementing CreditRaptor, our verification process has become more efficient than ever. The instant verification feature has allowed us to make faster lending decisions and improve customer satisfaction."

John Doe

CEO of XYZ Lending

"We were blown away by the level of support and expertise provided by the CreditRaptor team. Their platform has transformed our verification process and helped us stay ahead of the competition."

Jane Smith

CFO of ABC Bank

Shaun Lee

Marketing Manager
Linkldn

Mary Sombra

Marketing Manager
Linkldn

Ready to streamline your rental screening process and find the perfect tenants for your properties? Get started with our eviction search and tenant screening software today. Contact us to learn more and schedule a demo of our platform.

Ready to streamline your rental screening process and find the perfect tenants for your properties? Get started with our eviction search and tenant screening software today. Contact us to learn more and schedule a demo of our platform.

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
Copyright © ePsolutions Inc. All rights reserved.
Austin, TX:13785 Research Blvd Suite 125,Austin, TX 78750, United States