Stop the fraud
that slips past
red-flag tools.
BorrowerCheck™ gives dealers one report that checks identity, income, and employment in seconds.
fraud data repository
legacy red-flag tools
vs 5-10 min KBA
Trusted by
Built for the fraud your current tools miss.
Legacy red-flag products were built for identity theft in the early 2000s. BorrowerCheck was built on 15+ years of consortium data across auto, mortgage, and personal finance.
Powered by 116B+ attributes
Informed by proprietary attributes derived from the consortium of hundreds of millions of applications, the same data the largest US lenders use to STIP.
Five fields in, full report out
Enter minimal PII and receive identity, income, employment, and OFAC signals in a single, easy-to-read report.
OTP beats KBA
Send a one-time passcode to the borrower’s phone in 20 seconds. Half of legitimate customers fail knowledge-based surveys. None of them fail this.
Catches fake employers
Detects shell companies, nonexistent payroll, and fabricated wage stubs that traditional tools treat as clean.
Income red flags
Flags when stated income is materially misrepresented, based on independent verification sources outside the credit bureau.
Actionable, not noisy
Every warning comes with a recommended next step so finance managers resolve issues without the back-and-forth.
One report. Every signal.
BorrowerCheck consolidates the checks that used to take four vendors into a single, scannable report, so your F&I team spends less time reconciling and more time closing.
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Identity & OFAC verification
Full identity red-flag coverage with OFAC and MLA screening built in.
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Income & employment validation
Spot inflated income and fabricated employers before the deal funds.
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OTP phone authentication
Friction-free verification in 20 seconds.
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GeoSurveys
Validates where the borrower actually lives against their claimed address.
Now with instant driver’s license authentication.
Authenticate the ID and validate the borrower in seconds, with no scanner hardware to buy or install. BorrowerCheck reads the barcode and cross-checks it against the printed details on the front of the license to catch tampered and forged IDs before the deal moves forward.
Scan
Capture the front and back of the license with any device. BorrowerCheck reads the PDF417 barcode, no dedicated scanner required.
Authenticate
The barcode data is matched against the OCR’d front of the license to confirm the two agree and flag IDs that have been altered or fabricated.
Verify
See a clear pass or fail instantly, so your team can proceed with confidence or stop the deal before paperwork, test drives, and credit pulls.
Activate
No long implementation. It works across DMS platforms and drops the verified result straight into the digital deal jacket.
Why dealers use our document scanning
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Catch fake and altered IDs Cross-checking the barcode against the front of the license flags forgeries that pass a visual inspection.
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Sub-second results, no manual review Authentication happens in the moment, so there’s no waiting and no second-guessing at the desk.
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No scanner hardware or rental costs Skip the outdated scanners and recurring fees, document validation is built into the workflow you already use.
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Reduce unfunded contracts and test-drive theft Stop fraudulent identities at the door and protect against the losses they cause downstream.
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Zero PII stored No personal data is retained. The solution is built to support GLBA, CCPA, and SOC 2 requirements.
Built into the platforms you already use.
BorrowerCheck works on its own, and it is integrated with leading dealer platforms so you can run the same fraud and identity checks inside the workflow you already know.
Press release
Cox Automotive Dealertrack adds the power of AI to fight the rising cost of fraud.
Cox Automotive integrated Point Predictive’s BorrowerCheck directly into its Dealertrack F&I platform, letting dealers detect synthetic identities, verify income and employment, and assess fraud risk in real time. With analysts projecting as much as $10B in fraudulent auto transactions in 2026, the checks run right where credit applications are submitted.
Press release
Point Predictive and RouteOne expand integration to bring BorrowerCheck identity and fraud checks to dealers.
Point Predictive and RouteOne expanded their integration to bring BorrowerCheck into the RouteOne platform, giving roughly 14,000 dealerships instant identity verification and fraud detection. The result: synthetic identities and fake employers caught up front, with fewer lender pushbacks, all inside the RouteOne workflow dealers already run.
How BorrowerCheck stacks up against legacy tools.
| Capability | Legacy red-flag | BorrowerCheck |
|---|---|---|
| Identity red flags | ✓ | ✓ |
| Driver’s license authentication | – | ✓ |
| OFAC & MLA screening | ✓ | ✓ |
| KBA surveys | ✓ | – |
| Income red flags | – | ✓ |
| Employment red flags | – | ✓ |
| Fake employer detection | – | ✓ |
| OTP phone validation | – | ✓ |
| GeoSurveys | – | ✓ |
| 116B+ fraud data attributes | – | ✓ |
Ready to protect
your next deal?
Talk to our team to add BorrowerCheck to your process, or activate it through a RouteOne or Cox Automotive integration you already use.
