Credit Health Innovation
Credit Connect (Credit Card Conversion & Partner-Embeddable)
What it is:
A seamless in‑flow unlock/unfreeze experience that keeps qualified applicants from dropping off when their credit report is locked or frozen. Designed to be embedded directly in a lender’s application flow.
Why it matters
In 2025, 1.4M consumers were blocked from applying due to lock/freeze status, often abandoning altogether. This is lost conversion for lenders and lost access for consumers.
Impact
Converts “dead‑end” moments into completed applications, improving approval throughput and customer satisfaction.
Delinquent Account Resolution
What it is:
A guided disclosure + negotiation flow that captures consumer context (job loss, medical bills, temporary hardship) and equips collectors with empathetic playbooks for resolution.
Why it matters
Avoidance increases balances and charge‑offs. Empathy + structure can reduce churn, improve recovery, and preserve relationships.
Impact
Converts “dead‑end” moments into completed applications, improving approval throughput and customer satisfaction.
