Always-On Intelligence
Online Prospect & Database Monitoring
Know the moment your customer starts shopping with a competitor. We scour the credit bureaus every day, cross-reference your entire database, and deliver instant alerts — so you can start a conversation before your competitor closes the deal.
Get in front of your customers at the very beginning of their journey
With our Online Prospect and Database Monitoring Program, we notify you as soon as a customer or prospect begins looking for a credit product that you offer — giving you a leg up to start a conversation right at the beginning of the process.
Because there are no FCRA firm offer requirements with this program, you have the flexibility to send exactly the message you want. Upload your database files weekly or monthly — you choose — and alerts are downloaded daily to your CRM. CRM services are available when needed.
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cloud_uploadYour Database Files Uploaded Weekly or Monthly You control the cadence. Submit your full member or customer file on a weekly or monthly basis — we handle the rest.
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manage_searchDaily Bureau Scour & Cross-Reference We scour all three credit bureaus each day and cross-reference every record against your uploaded database — no inquiry slips through.
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notifications_activeInstant Alerts Downloaded to Your CRM As soon as a match is found, the alert is queued for same-day delivery to your CRM, giving your team real-time intelligence to act on.
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support_agentBDC Services Available Business Development Center services are available to help you capture and convert the new opportunities your alerts generate.
Stop Member Attrition Caused by Competitors
Competitors are working every day to pull your members and customers away. We are on constant lookout on your behalf. We scour the credit bureaus each day and cross-reference them with your entire member database. As soon as your member's credit is pulled, it is instantly flagged for alert.
Our system discovers every application — and even a simple quote. You will be informed which type of inquiry was pulled from the following four categories:
FICO Pre-Screen Append & Portfolio Monitoring
Monitor your member portfolio by appending certified FICO pre-screen parameters to make specific offers. The program appends your members' FICO credit score to their file — and monitors it for changes.
Automated Payment-Reduction Messaging
When a member's credit score improves, the system notifies you and automatically deploys a targeted payment-reduction marketing message — turning a positive credit change into a retention win.
One of the First Bureau Portfolio Monitoring Platforms
RMA Data Plus was one of the first companies to use bureau portfolio monitoring in a lead generation process — a proven approach that gives you competitive intelligence others can't match.
Four Inquiry Types — Fully Covered
Every consumer in your marketing area who has a credit bureau pulled by a competitor is flagged across all four loan inquiry categories. You receive a morning delivery of fresh, high-intent prospects every single day.
Auto Loans
Instantly know when a member or customer shops for a new or used auto loan at any competing lender, dealer, or credit union.
Mortgages
Get alerted the moment a member applies for or receives a quote on a purchase, refinance, or equity mortgage elsewhere.
Personal Loans
Track when customers seek personal loan financing from competitors — giving you a timely opportunity to make a better offer.
Credit Cards
Monitor credit card applications and inquiries across all issuers so you can proactively engage existing customers before a balance transfers away.
Built for Mortgage Lenders, Brokers & Credit Unions
Any financial institution that needs to protect existing relationships and identify new loan opportunities will benefit from daily database monitoring. The program is especially powerful for credit unions and mortgage lenders managing large member portfolios where even a small reduction in attrition drives meaningful revenue impact.
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account_balanceCredit Unions Monitor your entire member base. When a member applies for credit at a competing institution, you know before the deal closes.
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homeMortgage Lenders & Brokers Monitor your customer base and cross-sell refinance or equity products at exactly the right moment.
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directions_carAuto Lenders & Dealer Groups Identify in-market shoppers the morning their credit is pulled — when they are most likely to make a buying decision.
Everything Included
One integrated monitoring program combining daily bureau sweeps, FICO append, inquiry categorization, and automated marketing response.
Full Database Coverage
- check_circle Upload files weekly or monthly — you choose
- check_circle Entire member or customer database monitored
- check_circle Cross-referenced against all three credit bureaus daily
- check_circle Covers every application and even a simple quote
Intelligence Layer
- check_circle FICO pre-screen append to your monitored file
- check_circle Current interest rate on existing loans tracked
- check_circle Positive credit change triggers automated alert
- check_circle Inquiry type identified (4 categories)
Activation & Response
- check_circle Daily alerts delivered to your CRM
- check_circle BDC services available for lead capture
- check_circle No FCRA firm offer requirements
- check_circle Send exactly the message you want
Related services
Prescreen Database
FCRA-compliant, pre-approved prospect lists drawn from the national credit bureaus, selectable by region, score, and credit criteria.
Learn more arrow_forwardTrigger Campaigns
Reach consumers the day their credit is pulled for a loan — a fresh, high-intent shopper list delivered every morning.
Learn more arrow_forwardDirect Mail & Print Fulfillment
Turnkey creative, variable-data printing, and mailing from a G7 Master Printer — NCOA & CASS certified output.
Learn more arrow_forwardStart Monitoring Your Database Today
Know the moment your customer shops a competitor. Daily alerts, FICO append, and automated response — all in one program built for financial institutions.