OffersIQ
Match every customer with the right offer, every time
OffersIQ qualifies leads before they formally apply to increase approval odds, application rates, and brand trust without slowing growth or exposing data.
- <3s
- Response time
- 2
- Data points in
- 0
- Compliance headaches
Low accuracy means lost revenue.
Every lead you buy and every offer you extend costs money. When the data behind them is imprecise, that spend converts at a fraction of what it should. Application rates suffer, approval rates suffer, and brand credibility takes the hit.
Precision has traditionally meant heavy data pulls, regulatory exposure, and an engineering dependency for every change. Real-time data you can update at your own pace changes that math.
- 01Make instant credit eligibility decisions without triggering firm offer of credit obligations.
- 02Route applicants to the right product, partner, or financing tier in real time based on credit profile and policy fit.
- 03Match each applicant to the offer they are most likely to accept, with the credit signal needed to decide in seconds.
- 04Reduce wasted hard pulls, underwriter time, and adverse action workflow costs by qualifying fit before deeper data is requested.
- 85%+
- Typical credit hit rate
- Matched to a credit file
- 2
- Data points required
- Name – Address
- $0
- Charged on a no-hit
- No hit – No charge
Eligibility in seconds, using as little as a name and address.
OffersIQ powers the handoff between lead generation and prescreening, so only eligible offers reach the right customers.
01
Send the applicant
Pass first name, last name, and address through a fast, secure API. No consumer credit data is exposed back to you.
02
Run your rules
OffersIQ evaluates the applicant against your score bands, thresholds, and eligibility criteria across hundreds of attributes.
03
Return the right offer
Get a clean eligibility answer in real time. Surface only the offers each customer is positioned to be approved for.
Built around your decisioning criteria.
You define which attributes, thresholds, and routing logic power your eligibility checks, and you adjust them yourself as your policy evolves. No ticket, no vendor queue. Need an attribute that does not exist yet? We build it.
Rule set changes take effect instantly, not on a sprint cycle. Test against a certified CRS credit database before anything touches production lead flow.
Ask our Team About OffersIQSandra Bowker - TransUnion - 2026-08-20
- score_band=<680
- unsecured_debt<18,000
- student_loansexcludetrue
- inquiries_6mo<=3
Why teams choose OffersIQ
Most offer tools give you a glimpse. OffersIQ gives you the whole picture.
Custom attributes, built for your policy
Standard libraries force you to approximate your risk model. We build the attribute your policy actually calls for.
You only pay for returned results
No-hits are not billed, so your effective cost per qualified consumer stays predictable as volume scales.
Changes are instant
Threshold and rule set edits are handled directly by you, not an external team. No waiting in a vendor engineering queue.
Front-end offer management
Adjust thresholds and iterate on eligibility logic without pulling developers off roadmap work.
Advanced grouping and exclusion controls
Group attributes, apply and/or logic, and use inclusion and exclusion rules to target as precisely as your model requires.
Pre-test before you launch
Model expected approval performance and offer fit against your current criteria before spend hits production.
Every stage of the funnel, sourced from one place.
Most teams stitch this together: a prescreen tool at the top, a soft pull provider in the middle, a separate bureau relationship for underwriting. CRS supplies all three.
- Stage 01Eligibility check
OffersIQ qualifies the applicant and returns the right offer, with no credit data exposed.
- Stage 02Soft credit report
Pull a soft report for further qualification once the applicant engages with the offer.
- Stage 03Hard inquiry
Run the full underwriting pull when the applicant formally applies for credit.
All three stages run on the same CRS credentials and the same API. No second vendor to contract, no second compliance relationship to manage, and no reconciling data formats between providers.
For lenders, brands, and offer operations ready to convert smarter
Make smarter credit decisions at the top of the funnel
Premium offers demand smarter qualification
FAQ
What is OffersIQ?
OffersIQ is a qualification and prescreening solution. It ensures only the right credit offers reach the right customers, before they formally apply. It sits between lead generation and application.
How does OffersIQ qualify consumers without exposing credit data?
Qualification happens inside CRS systems using as little as first name, last name, and address. You receive an eligibility answer, not a consumer credit report.
How is this different from a traditional prescreen?
Traditional prequalification workflows carry firm offer of credit obligations and disclosure requirements. OffersIQ is designed to deliver eligibility decisions without those operational frictions.
Can we customize the eligibility logic?
Yes. Score bands, thresholds, attribute selection, and routing rules are all configured to your policy. Custom attributes can be built where the standard library does not fit.
What performance can we expect?
Customers typically see credit hit rates above 85%. Because no-hits are not billed, cost tracks closely to qualified volume.
How long does it take to get live?
Existing CRS customers can often be configured within days. New customers move through standard vetting first, which our compliance team manages for you.
Does OffersIQ require a tuning period?
Yes, and that is by design. Because the product is fit to your specific use case, a short tuning phase is a normal part of onboarding.