A complete suite for used car, buy here-pay here and motor vehicle companies.

MicroBilt delivers a complete suite of data products that support the entire motor vehicle sales process, from loan originations and background checks to fraud detection and collections.

Fast, easy, and cost-effective.

All of MicroBilt’s products are accessible through a single, convenient online portal. This puts incredible data and decisioning tools right at your fingertips. Use  MicroBilt’s powerful combination of public, private and proprietary data combined with sophisticated software to help you:

Credit & Decisioning

Verify a customer’s identity, learn their credit history, and even get a credit score on individuals who might otherwise return a ‘no hit’ or thin file during a credit check.

Decision Table

Completely customizable, Decision Table allows you to automate your decisioning process according to your own risk tolerance level.

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Participate in the Alternative Credit Market

Over 100 million people return “not hit” or thin files when traditional credit reports are run. With PRBC, you can evaluate these customers and get a predictive credit score based on their financial behaviors.

PRBC Consumer Report

Provides a score based on predictive alternative credit data.

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PRBC Credit Builder

Complete consumer lending platform powered by the industry’s most comprehensive alternative credit database.

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Detect fraud before it happens

Get a glimpse into a consumer’s past financial deals, uncover any prior history of fraudulent activity and flag potential fraud risks before they impact your business.

ID Verify

Cross-references multiple data sources to confirm an identity and appends a fraudulence risk score automatically.

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ID Authenticate

Easily integrated into call-centers and website, ID authenticate confirms identity through questions only the individual would know the answers to.

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Watchlist Search

Searches for an individual on the Federal OFAC watchlist as required by the Federal Patriot Act.

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Collect fast and efficiently

Identify a customer’s location, assets, banking information and aliases. Determine which debts are most likely to be recovered so you can prioritize your efforts.

Smart Trac

Assess "collectability" so that you can prioritize efforts for the highest return.

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SPOT Verified Bank Locator

Locate, verify and predict the performance of an individual’s bank accounts.

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SPOT Place of Employment Report

Simply put, the collection industry’s most comprehensive, accurate and convenient data source for place of employment reporting.

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SPOT Verified Place of Employment

The SPOT Verified Place of Employment (POE) Report does the extra work to confirm an individual’s current place of employment.

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Enhanced People Search

Quickly locate an individual while gathering critical identity and contact information in the process.

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Trace Detail

Find an individual’s current address while simultaneously identifying neighbors, associates and co-inhabitants.

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Make administration easier

Take the hassle out of regulatory requirements like adverse action letters and keep your staff compliant with FCRA training programs from MicroBilt.

Adverse Action Notification

Automatically creates and sends adverse action emails for you.

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Supported Businesses

MicroBilt’s suite of motor vehicle sales tools is designed to meet the needs of the following businesses:

Buy here, pay here dealerships

New car dealerships

Used car dealerships

Motorcycle dealerships

Car rental companies

Boat dealerships

Auto repair and parts companies

Auto distributors

Towing and storage companies

Transportation businesses

Fleet sales

Recreational vehicle dealerships

Customized Solution

Have one of our business service consultants contact you.