eCheckTrac users across the country access Teletrack’s consumer data to mitigate risk in
both an online and a store-front environment. Teletrack provides these businesses with
advanced tools — primarily the ability to cost effectively view an applicant’s past payment
activities and, based on that, predict how he or she will behave in the future. Incorporating
Teletrack into your advance or installment loan origination process is easy. You can access
our extensive consumer databases via your application software interface, and receive recent
inquiries, open and paid charge offs, and Social Security number validation on your
applicants.

In addition to Teletrack’s standard service, you can also receive information to enhance
your approval process:

OFAC Activity Report - Identifies inquiries performed on a consumer who closely
matches an entry on the OFAC SDN list.

Bankruptcy Records - Reports applicants that have applied for bankruptcy protection,
including the date of filing, the location of filing, the chapter filed, and the current status.

Identity Verification - Validates that application information has previously been
associated with the consumer, including the name and Social Security number.

Scoring & Decisioning Services - Analyzes application information and Teletrack data
against our validated, industry-specific scorecard based on your designated business rules.

While Teletrack’s services are billed separately, you will receive information from Teletrack
as an integrated part of your advance or installment loan processing software. Use eChecktrac
to access Teletrack data so you can make more informed decisions about your
lending practices.

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