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Integration

Credit Checks — Instant Credit Decisions During Calls

Real-time credit checks and affordability assessments built into your contact centre. Experian, Equifax, and TransUnion integration for instant credit decisions without leaving the agent interface.

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Credit checks, real-time credit assessment, contact centre credit integration
Feature

Credit Checks — instant creditworthiness assessment

Make credit decisions during the call with real-time access to all major UK credit reference agencies. Full credit reports, affordability checks, and risk scoring in seconds.

📊

Multi-Agency Access

Direct integration with Experian, Equifax, and TransUnion. Compare scores across all three agencies and see comprehensive credit history with a single customer consent.

Benefit: Most complete picture of customer creditworthiness for accurate lending decisions.

💰

Affordability Assessment

Advanced affordability calculations using income verification, expenditure analysis, and debt-to-income ratios. FCA-compliant responsible lending assessments.

Benefit: Reduce bad debt while maximising lending opportunities through accurate affordability checks.

⚡

Real-Time Decisions

Credit decisions made during the call conversation. No "we'll get back to you" delays. Customers get instant approval or decline with alternative offers.

Benefit: Higher conversion rates and improved customer experience with immediate credit decisions.

🎯

Risk-Based Pricing

Automatic calculation of interest rates, deposit requirements, and terms based on credit score and risk profile. Dynamic pricing rules configured to your business model.

Benefit: Optimise profitability while offering competitive rates to low-risk customers.

Action

How credit checks work during calls

Credit assessment happens seamlessly within the normal call flow:

  • ✓ Consent capture — Agent requests and records customer consent for credit checks, meeting FCA requirements.
  • ✓ Instant lookup — Credit agencies queried simultaneously, results displayed within 5-10 seconds.
  • ✓ Risk assessment — Automated scoring based on your lending criteria, with recommended actions for agents.
  • ✓ Decision support — Clear approve/decline/refer recommendations with alternative product suggestions.
  • ✓ Compliance logging — All credit checks recorded for regulatory reporting and audit purposes.
Blue Telecoms credit check and affordability assessment interface
Benefit

Instant credit decisions that convert customers

In today's market, speed wins. Customers expect immediate answers, not calls back tomorrow. Real-time credit assessment lets you say "yes" while the customer is still on the phone.

Your conversion rates improve dramatically when customers don't have time to shop around. Your bad debt decreases with better risk assessment. Your compliance team sleeps well knowing every check is properly documented.

🏦 Bank Verification 🔐 GDPR 🛡️ Data Protection
💳

Instant Credit Decisions

Maximum conversion.

WHAT OUR CLIENTS SAY

What our clients say

Rated Excellent on Trustpilot

★★★★★

"BIG shout out to Mike from start to finish the way he helped me. The simplicity of the whole Blue Telecoms system is 5*. The pace at the sign up..." Read More

— Nazim Atcha on Trustpilot

April 2025

★★★★★

"An amazing service and top quality software. To say I am impressed would be an understatement. The software for progressive calling is another..." Read More

— Jamie Parvin on Trustpilot

January 2025

★★★★★

"All the team at Blue Telecoms have been fantastic. Service is great and the dialler works very effectively."

— Wesley Hardy on Trustpilot

October 2024

★★★★★

"Recently purchased a package with Blue Telecoms for my business and from start to finish have had a wonderful experience. Fab the rep was great..." Read More

— Jake Sullivan on Trustpilot

August 2024

★★★★★

"Amazing experience with Blue Telecoms, easy to use and always on hand to help with any queries. Good support from the team too making sure..." Read More

— Clear Comparison on Trustpilot

July 2023

★★★★★

"I had an exceptional experience with Fablu and the Blue Telecoms team, who effortlessly guided me from my initial inquiry to being up and running..." Read More

— Keiran Harvey on Trustpilot

May 2023

Ready for instant credit decisions?

Request a personalised demo and see how real-time credit checks boost conversion rates while reducing bad debt risk.

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