700Credit Alternative for Car Dealerships

A soft pull tells you where a shopper stands. LeadLocate turns that shopper into a completed application, a pencil they can see and a deal they sign.

700Credit is known in the automotive market as a provider of credit reports and credit related compliance tools for dealerships. Stores use it to pull reports from the major bureaus, to offer soft pull prequalification so a shopper can see likely terms without a hard inquiry, to run prescreen programs, and to handle compliance steps such as OFAC checks, identity checks for a Red Flags program, privacy notices and the notices that follow a credit decision. Many dealers first meet it as the prequalification button on their website.

Products, bundles, bureau options and fees change and differ by store, so confirm current pricing and terms with the vendor directly. What this page covers is the part of the finance journey that sits outside any credit tool: getting the right shopper to raise a hand, working them the moment they do, and carrying a prequalified customer all the way to a funded deal.

A prequalification result is valuable information, and it is also the start of a sales conversation rather than the end of one. The shopper who sees a green light at eleven at night still needs a text in the morning, a vehicle that fits the range they saw, a complete application, a pencil that matches the prequalification, and somebody who answers when they ask about the trade. None of that lives in a credit report, and all of it is what LeadLocate does all day.

So keep 700Credit for the credit side your finance office already relies on, and run LeadLocate beside it. The bureau relationship stays with your store. SecureWebX gives it a secure home on the Credit bureau access card, where your bureau account credentials are stored encrypted behind two factor sign in, and names the bureau on every adverse action notice you issue from an application. No DMS integration or inventory feed is required to operate, so the sales floor can start working the new way without a technology project.

The result is one path for the customer and one record for the store: the lead, every call and text, the application, the stipulations, the worksheet, the lender decision and the signed deal page, all on the same customer.

Leave your number and a lead specialist calls you back to answer your questions about pricing, coverage, and setup. Mon - Sat, 9:00 AM - 6:00 PM Pacific.

Prefer to talk right now? Call or text 844-376-2274.

Most finance deals are decided by speed and follow up long before anybody talks about rate. A prequalified shopper is shopping two or three stores the same night, and the store that answers first with something useful usually gets the visit.

LeadLocate is built for those hours. Automated Templates send the first text per lead feed the moment a lead arrives, and every feed can carry manager copies so a sales manager sees each lead beside the salesperson who owns it. The rep works the conversation from a two way texting inbox with pictures, delivery status and RCS with automatic SMS fallback, and a vehicle insert button in every composer attaches the unit with photos and price. Calls go out from the VoIP softphone with click to call, and every call is recorded and transcribed, with Call Alerts flagging the words your managers choose, such as payment or trade in.

For the shopper who is weeks away, Follow Up Processes run a multi step drip by lead type, scheduled sends put a text on the calendar for the right morning, and voicemail drop reaches the customer who never picks up. The abandoned application follow up guide covers the cadence that brings stalled applicants back.

And the shoppers themselves come from your zone. Every lead in your zone is delivered to you and only you, prescreened at capture with the questions you choose, and backed by a replacement review. You make your selections in Leads Manager and our team builds and runs the campaigns on the webXintel Ads Network under fair lending rules.

Prequalification tells you what is possible. The full credit application is what a lender actually works, and it is where many stores lose customers to a clumsy form or an awkward moment at the desk.

SecureWebX puts the application on the customer's phone through a branded apply link the rep texts from the CRM. The form runs in five steps, personal, residence, employment, income and review, with co-applicant support for the joint application, ITIN accepted alongside SSN, a down payment field and a trade-in section. The customer signs electronically and consents against versioned terms, so the store can show exactly which language each applicant accepted. Each apply link can be customized with extra sections, custom fields, document uploads and disclosures, and bot protection keeps the form clean.

Completed applications land in the SecureWebX inbox and pipeline with status, assignee, amount and notes. Applications that stop halfway feed back to the CRM so the rep sees who stalled and sends a nudge. The online credit application page goes deeper on intake, and the co-buyer flow is on its own page.

A customer who saw a likely range during prequalification expects the store's pencil to live in the same neighborhood. EZ Desking builds cash, finance and lease structures with a multi pencil grid and goal seek bays, a 50 state tax matrix, semimonthly payment frequency, trade credit caps and three lease tax methods, and SecureWebX worksheets run at parity with that engine. A worksheet can be pushed from CRM desking to SecureWebX and attached to the application, so the lender and your finance office see the same structure, and a deal recap PDF prints on demand.

The customer sees the numbers on a DealTracker deal page, brand skinned to your store and opened with a PIN. It shows every revision, carries a deal chat thread for the question that comes at nine at night, and closes with e-signature. PencilRecap gives a shareable recap sheet for the customer who wants to show a spouse, and the Road to Sale checklist tells the desk what is still missing before funding. The Deal Jacket holds the license, the insurance card and the pay stub, uploaded from a phone camera through QR intake.

Your credit provider handles the compliance steps tied to the report. SecureWebX keeps the records tied to the application, and the two together give an auditor a complete file.

OFAC screening runs on every SecureWebX application. Adverse action notices are generated from the application record, with the bureau named from a picker. State specific disclosures, a privacy notice and terms editor per company, and forced terms acceptance for every user keep the paperwork current. Stipulations are requested and fulfilled by upload, supporting documents attach to the submission, and every change is written to a full audit log. Two factor authentication on every sign in, encryption at rest, virus scanning on uploads, a watermarked PDF viewer and archive, never delete retention round out the posture. On the messaging side, the DNC Blacklist page keeps unwanted numbers out of your campaigns and a live do not call lookup checks the numbers your team works. The FTC Safeguards Rule page covers the program your store documents around all of this.

Read this as a division of labor. Most stores that run LeadLocate keep a credit provider, and the table shows where each one does its work.

Features and pricing change on both sides. Confirm anything decision critical with each vendor before you sign.

The credit side keeps running while the sales side changes, so the rollout is quick. In the first week your account is set up with you: users and roles, tracking numbers per source, a Forward Calls To ring list, and your branded apply link with the disclosures and custom fields your finance office wants. Save your bureau account on the Credit bureau access card. In the second week, connect your website forms so every submission becomes a lead with its first text ready, point your lead feeds at the CRM, and load Follow Up Processes. In the third week, add your lenders for Send to Lender and start issuing adverse action notices from the record.

Then measure what matters: time to first response on prequalified shoppers, applications started versus completed, and deals funded. Training is included with every plan. Plans are month to month with no long term contract, CRM Only from $199 a month and lead programs from $799 with the full CRM included. We cannot guarantee approvals or results, because the outcome depends on your market, your lenders and your team. Current plans are on the pricing page, and the demo shows the path end to end.

Can LeadLocate replace 700Credit?

LeadLocate runs beside 700Credit. Keep 700Credit for credit reports, prequalification and its compliance tools, and add LeadLocate for exclusive local leads, the texting and calling CRM, SecureWebX applications, Send to Lender and DealTracker deal pages.

What happens to a prequalified shopper in LeadLocate?

The lead lands in the CRM tagged to its source, an Automated Template sends the first text, and the rep follows up by text and phone, sends a branded apply link, desks the deal and closes it on a deal page with e-signature.

Where is our bureau account kept?

With your store. SecureWebX stores the credentials on the Credit bureau access card, encrypted and behind two factor sign in, and names the bureau on adverse action notices issued from an application.

How do applications reach lenders?

Send to Lender creates a secure, expiring, revocable and watermarked share for the lender you choose, with a response portal that returns the decision to the record. Applications can also be exported in the format a lender or DMS expects, or sent by eFax.

Are the leads shared with other dealers?

No. Every lead in your zone is delivered to you and only you, prescreened at capture with the questions you choose, and backed by a replacement review. Every lead plan includes the full CRM.

How long does it take to get running?

The rollout touches only the sales floor and the application, because the credit pull and the dealer management system stay exactly as they are. Setup is users, tracking numbers, an apply link and lead feeds, and training is included with every plan.

See a lead text back in the first minute, an apply link completed on a phone and a deal page signed, beside the credit tools you already run. Month to month, no long term contract.

Prefer to talk right now? Call or text 844-376-2274.