Protect Your Dealership From Early-Payment Default with ProMax Credit Abuse Risk
Credit Abuse Risk adds a powerful new layer of protection to every credit pull – automatically. Powered by Equifax’s advanced machine learning and FCRA-regulated data, it detects behavioral patterns associated with strategic non-payment, helping your team identify risk even when a credit profile appears strong.
See Risk That Credit Scores Can’t
A strong credit score tells you a buyer qualifies – not whether they plan to pay.
Credit Abuse Risk evaluates the behavioral signals behind the score, including recent credit activity, utilization shifts, inquiry volume, and account trends that often precede early default. It’s the difference between knowing a buyer can pay and having confidence they will.
Built Into Your Credit Report
Credit Abuse Risk is fully integrated into your credit report, appearing automatically within your existing credit process.
No setup. No integration. No added steps.
It works alongside your current credit and fraud tools as a targeted supplemental layer – adding meaningful protection without adding complexity.
Reduce Exposure Before You Fund
Early-payment defaults can trigger lender repurchase obligations, putting your dealership at risk for deals that looked clean at origination.
Credit Abuse Risk helps you identify these risks before funding – so you can structure deals more effectively and reduce costly exposure.
