Vision℠
Stop Paying for Reports on Borrowers Who Don't Qualify.
Vision℠ automatically screens applicants against your minimum credit requirements before running a full tri-merge report — so you only pay for borrowers who meet your standards.
- Automated Pre-Screen
- Custom Qualification Rules
- Zero Borrower Score Impact
- CTI Members Exclusive
Stop Paying for Reports You Don't Need
Vision℠ runs a soft pre-screen before the full pull — so you only pay for borrowers who actually qualify. High volume lenders see dramatic cost reductions.
Pre-Screen Before You Pull
Run a soft-inquiry check against your custom minimum standards before committing to a full tri-merge report. Keep your costs tied to real opportunities.
Significant Cost Reduction at Volume
Eliminate out-of-pocket expenses on unqualified borrowers. For high-volume lenders, Vision℠ delivers measurable savings that compound month over month.
Custom Qualification Rules
Set your own minimum score thresholds, debt ratios, and other criteria to match your lending standards exactly.
Zero Impact on Borrower Score
The Vision℠ pre-screen is a soft inquiry — it never affects your borrower's FICO® score.
Instant Pass/Fail Results
Get a pass/fail decision in seconds so your team can move fast and focus time on qualified applicants only.
LOS Compatible
Vision℠ integrates with your existing loan origination system for a seamless workflow with no manual steps.
The Vision℠ Process
Automatic Screening in 4 Steps
Vision℠ works transparently behind the scenes. Order credit reports per your normal procedures — Vision℠ handles the screening automatically.
Set Your Rules
Define your minimum FICO® score, collections thresholds, bankruptcy windows, and other criteria. Vision℠ applies them to every request automatically.
Order Reports Normally
Your team orders credit reports through the same LOS workflow they already use. No extra steps, no new software — Vision℠ runs in the background.
Automatic Pre-Screen
Vision℠ instantly compares the applicant's credit profile against your rules. Applicants who meet your standards get a full tri-merge report delivered.
Pass or Vision℠ Report
If the applicant doesn't meet your minimums, a lower-cost Vision℠ report with FICO® score is delivered instead — saving you the full tri-merge expense.
Advanced Screening
Multi-Bureau Logic for Greater Accuracy
Vision℠ lets you customize bureau selection and apply meet/exceed testing across multiple bureaus — giving you more control over the screening process and more accurate viable borrower detection.
- Apply screening rules across 1, 2, or all 3 bureaus
- Custom minimum FICO®, collections, bankruptcy, and tax lien filters
- Pass/fail delivered instantly — no delay to your workflow
- Failed applicants receive a low-cost Vision℠ report with FICO® score
- Works seamlessly inside your existing LOS — no new software needed
See How Vision℠ Works
Equifax
Bureau Screening
Experian
Bureau Screening
TransUnion
Bureau Screening
Multi-Bureau
Meet/Exceed Logic
Vision℠ is available exclusively to Credit Technologies members.
Qualify Smarter. Spend Less.
Vision℠ is available exclusively to Credit Technologies members. See how it fits into your credit workflow — and how much you could save.