Debt Consolidation

Improve lead quality and prequalification confidence for consolidation, settlement and resolution programs with soft-pull credit data.

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  1. 01Qualify leadsOffersIQ
  2. 02Target top of funnelLeadsIQ
  3. 03Access FICO or Vantage withSoft or Hard Inquiries

CRS helps debt service providers identify and qualify more leads

With consumer debt at historic highs, debt consolidation providers are under pressure to identify qualified borrowers earlier, reduce fallout, and move faster without increasing compliance risk. CRS supports consolidation, settlement and resolution programs with specialized products and workflows tailored to high-volume consumer decisioning.

Work with CRS to drive the right kind of results:

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  • Higher quality leads and pre-approval
  • Faster, cost effective prequalification
  • Reduced operational drag across the funnel
  • Stronger borrower experience from first touch to servicing

Trusted by

  • Forth
  • Legacy Financial
  • DRM Soluions
  • Resolution Processing LLC

01

Qualify leadsOffersIQ

Increase the value of engaged leads by qualifying them early for definable offers without triggering regulatory and operational frictions associated with prequalification workflows. The result is a higher quality, higher converting lead that commands greater value and drives stronger downstream performance.

Rule set - TIER_A_THIN_DEBT

Sandra Bowker - TransUnion - 2026-08-20

  • score_band=<680
  • unsecured_debt<18,000
  • student_loansexcludetrue
  • inquiries_6mo<=3
  • 01.1Identify consumers who match your debt criteria, including revolving balance thresholds, payment history, and credit utilization, before committing to a prequalification credit report
  • 01.2Surface the right offer for each applicant in real time, whether that is a consolidation loan, a balance transfer alternative, or a referral to a partner program
  • 01.3Eliminate top of funnel FCRA workflow costs that erode margin in a high-volume, price-sensitive category

02

Target top of funnelLeadsIQ

LeadsIQ helps teams find and prioritize the right consumers so marketing and operations spend less time on low fit borrowers and more time on high probability conversions.

Assess and identify the right applicants across the complete US population using weekly updated financial records including but not limited to

LeadsIQ · Happy Capital
Scoring model
Vantage
Credit score
620–680
Segment
Subprime
State
CA, AZ, NV
consumers matched your criteria
24,318

19.8s count

  • 02.1FICO and VantageScore Models
  • 02.2Open Delinquencies
  • 02.3Tradeline Payment History
  • 02.4Total Debt Volume
  • 02.53,000 Other Attributes

03

Access FICO or Vantage withSoft or Hard Inquiries

CRS provides comprehensive access to traditional soft and hard credit report data from all three major credit bureaus, Equifax, Experian, and TransUnion, enabling brokers and lenders to render immediate, informed credit decisions. Our solutions are designed to support efficient underwriting workflows while maintaining full compliance with permissible purpose requirements.

CRS also offers both FICO and Vantage score models, along with enhanced data attributes such as MLA checks, OFAC screening, Income Insight Scores, and identity verification solutions. These supplemental data elements can be customized and curated at the time of each credit request, allowing clients to tailor their credit pulls to meet specific risk, compliance, and operational needs.

Console
"requestData": { "firstName": "J"
"lastName": "SMITH"
"middleName": "FRANK"
"ssn": "666321234"
"addresses": [
"borrowerResidencyType": "Current"
"addressLine1": "1234 ELM STREET"
"city": "SPRINGFIELD"
"state": "IL"
"postalCode" : "62704"
] } , "repositoryIncluded": { "transunion": true,
"experian": false, "equifax": false } ,
"responseDetail": { "dateRequested":

CRS Advantage

Technology

Unified data infrastructure

A single integration layer for credit, identity, fraud, and alternative data designed to reduce complexity and overhead. With AI, complete integration in a single session.

Pricing

Flexible transparent pricing

Pay only for the data you need, with pricing designed to scale as your business grows. CRS uses its purchasing power to secure preferred rates for customers.

Performance

Built to scale

SOC 2 certified and enterprise grade infrastructure built for high volume, real time decisioning in regulated environments. Our APIs perform up to 5x faster.

Access

Weeks not months

Standardized APIs and configurable workflows enable fast onboarding, with guided FCRA compliance and dedicated support. Most clients go live in under 5 days.

  • Bilt
  • NACA
  • Unlock
  • Rentvine
  • Wealthfront
  • Live Oak Bank
  • Checkr
  • Aptly
  • Taktile

CRS Powers Top Fintechslearn more about our partner network

Work with CRS

Stay ahead of today's high debt economy

Identify and Qualify Leads with High Confidence

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FAQ

What is required for us to legally pull credit reports?

In most debt relief workflows, credit access depends on having the right permissible purpose and a compliant process for how the consumer is authorized and how the data is used. The cleanest path is to align the pull type to the exact workflow you are running, then document it clearly in your consumer journey and internal controls so it is consistent and auditable. CRS walks our customers through this process.

Which bureaus do you provide, such as TransUnion, Experian, and Equifax?

CRS provides access to all three major bureaus, including TransUnion, Experian, and Equifax. One of the main benefits is that you can get multi bureau access through a single onboarding and a single vendor relationship.

Is the credit score included, and which scoring model do you support?

Scores can be included, and CRS supports both FICO and Vantage score models. Many debt relief teams care less about the exact score and more about ensuring the report is accurate and complete, but if you have a rule such as not enrolling consumers below a certain threshold, we can support score based logic as part of your workflow. The same applies to identifying the right amount and kinds of debt such as specific ranges of unsecured debt.

How does CRS improve lead quality for consolidation?

CRS helps identify and prioritize higher fit borrowers earlier, reducing top of funnel noise and improving conversion efficiency. We see more companies targeting specific debt amounts and debt types.

Can CRS support high-volume consumer flows?

CRS is built for scale and integrates into automated workflows to reduce manual bottlenecks. We handle millions of data transactions on a monthly basis.

What’s the difference between consolidation, settlement, and resolution and can CRS support all three?

Consolidation typically refinances or restructures debt into a new loan, settlement negotiates reduced payoff amounts, and resolution spans hybrid strategies (payment plans, counseling, legal/collection workflows). CRS supports decisioning and operations across all three by powering targeting, identity, credit insight, and workflow ready outputs.

How does CRS improve lead quality in a high-intent but noisy market?

CRS helps reduce “top of funnel noise” by identifying higher likelihood, better-fit consumers earlier so teams spend less on low convert leads and more on borrowers who can actually be approved or successfully enrolled.

How does CRS help reduce fallout between “offer presented” and “loan booked” (or “enrollment started” and “enrollment funded”)?

By improving early fit assessment and validating key attributes sooner, CRS helps reduce late stage surprises like unverifiable identity, unexpected credit conditions, or affordability gaps that drive drop off and rework.

How does CRS support compliance in a highly regulated consumer debt environment?

CRS provides structured, source-attributed data outputs that support consistent decisioning, documentation-ready workflows, and auditability. (Your specific compliance obligations depend on your program design and role.)

Can CRS support both marketing teams and operations/servicing teams?

CRS provides structured, source attributed data outputs that support consistent decisioning, documentation ready workflows, and auditability. (Your specific compliance obligations depend on your program design and role.)

Does CRS support settlement and resolution firms that aren’t originating loans?

Yes. Even without loan origination, settlement and resolution firms still benefit from identity verification, credit insight, segmentation, and workflow signals that improve enrollment quality and downstream performance.