Scoring and BHPH Analytics

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We build custom-fit scoring models for used-car financing dealerships


AutoZoom, the industry standard since 2002, builds custom-fit scoring models for used-car financing dealerships and daily has thousands of users relying upon each dealership’s own unique scoring model. AutoZoom has accomplished this using more than 50 years of firsthand BHPH underwriting experience and our proprietary suite of statistical and predictive algorithms applied against $14 Billion dollars of BHPH automobile loans our clients have originated using AutoZoom scoring models.

Millions of applicants zoomed by thousands of AutoZoom users since 2002!

  • Step 1 Score All Prospective Customers

    The image above is a partial view of a custom-fit AutoZoom Scoresheet.

    In less than one minute, your underwriters can analyze eighteen ranges of information which match to data in your applicant’s credit applications, credit bureaus, and possible financing options with just a few clicks of a mouse. This will produce a Stability Score, Deal-Structure Score, Total Score, Target Risk and Term Recommendation which your underwriters will then use following your dealership’s AutoZoom Benchmarks to consistently match up varying credit risks with the appropriate financing options that benefit your dealership the most.

     

  • Step 2 Enter Repossessed Account Info

    The image above is a partial view of the AutoZoom Repo Data Entry Form.

    In less than two minutes, an employee in your dealership will be able to record the date, financial and other write-off details of each defaulting account into this form. Using this information in conjunction with the Stability Score, Deal-Structure Score and the Total Score associated with each defaulting customer’s Scoresheet, AutoZoom BHPH Analytics will then enable your dealership to know its winning underwriting formula.

     

  • Step 3 View Resulting Analytics

    The image above is a partial view of one of the many reporting features of AutoZoom BHPH Analytics.

    Your company’s dealer, partners and management will be able to navigate unlimited hours through the data grids, PDF reports, Excel exports, and graphs to evaluate closing ratios, repo rates and financial impact of repossessions as they relate to your company’s AutoZoom Benchmarks.

     

Arming your underwriters with your dealership’s very own custom-fit AutoZoom scoring model will improve their ability to identify and turn down career credit-abusers. Also, with your dealer’s confidence and without involving the dealer or upper-management in every deal, your underwriters will be better equipped to offer financing options to the majority of applicants while dealing with each customer’s limited financial resources and instability factors. Most importantly, your underwriters will be able to skillfully increase sales by extending attractive credit offers to those qualified applicants desiring to pay minimal downpayments on higher priced vehicles.

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Call us for pricing! 888-493-6891

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