Scoring and BHPH Analytics

We build custom-fit scoring models for used-car financing dealerships

AutoZoom builds each custom-fit scoring model applying more than 45 years of BHPH underwriting experience gained from having underwritten $3 Billion dollars plus in BHPH automobile financing originations. We have helped many financing dealerships advance to the next level of underwriting performance and compliance. Let us help you!

  • Step 1 Score All Prospective Customers

    The image above is a partial view of a custom-fit AutoZoom Scoresheet.

    In less than one minute, your underwriters can analyze eighteen ranges of information which match to data in your applicant’s credit applications, credit bureaus, and possible financing options with just a few clicks of a mouse. This will produce a Stability Score, Deal-Structure Score, Total Score, Target Risk and Term Recommendation which your underwriters will then use following your dealership’s AutoZoom Benchmarks to consistently match up varying credit risks with the appropriate financing options that benefit your dealership the most.

     

  • Step 2 Enter Repossessed Account Info

    The image above is a partial view of the AutoZoom Repo Data Entry Form.

    In less than two minutes, an employee in your dealership will be able to record the date, financial and other write-off details of each defaulting account into this form. Using this information in conjunction with the Stability Score, Deal-Structure Score and the Total Score associated with each defaulting customer’s Scoresheet, AutoZoom BHPH Analytics will then enable your dealership to know its winning underwriting formula.

     

  • Step 3 View Resulting Analytics

    The image above is a partial view of one of the many reporting features of AutoZoom BHPH Analytics.

    Your company’s dealer, partners and management will be able to navigate unlimited hours through the data grids, PDF reports, Excel exports, and graphs to evaluate closing ratios, repo rates and financial impact of repossessions as they relate to your company’s AutoZoom Benchmarks.

     

Arming your underwriters with your dealership’s very own custom-fit AutoZoom scoring model will improve their ability to identify and turn down career credit-abusers. Also, with your dealer’s confidence and without involving the dealer or upper-management in every deal, your underwriters will be better equipped to offer financing options to the majority of applicants while dealing with each customer’s limited financial resources and instability factors. Most importantly, your underwriters will be able to skillfully increase sales by extending attractive credit offers to those qualified applicants desiring to pay minimal downpayments on higher priced vehicles.

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Have questions? Call us toll-free! 888-493-6891
  • FAQ

    What exactly is AutoZoom's product or service?
    AutoZoom is a web-based predictive underwriting system designed to assist you with the underwriting and analysis challenges of the buy-here pay-here industry. AutoZoom has created a number of Scoring Models specifically for the sub-standard credit (buy-here pay-here) industry. AutoZoom includes management tools which utilize dashboards, charting, and exporting features to present data related to underwriting, sales, repossessions and associated cash-on-cash gains and/or losses in a very user friendly interface. Additionally, AutoZoom clients are able to issue Adverse Action Letters systematically when credit is declined.
    I already have underwriting guidelines. How is AutoZoom different?
    AutoZoom is only different in the way it applies number values to standard buy-here pay-here underwriting criteria, allowing those values to be used to make more precise and consistent underwriting decisions. AutoZoom is based on more than forty years of buy-here pay-here underwriting experience. Since buy-here pay-here underwriters typically do not use, or capture, numeric values with their credit decisions, they can know their underwriting produces good or bad results, but not why or how to improve their underwriting.
    Does AutoZoom's Predictive Underwriting make decisions for me?
    No. You are in control. AutoZoom simply provides you with numeric indicators that allow you to see more clearly the strengths and weaknesses of each prospective customer and deal structure. Someone will still need to make the final decision on each deal. Typically, upper management in your company will establish minimum AutoZoom numeric benchmarks. Underwriters then use those for approval, eliminating the need for upper management to be involved in every decision.
    Can AutoZoom help me if I am just getting started in the BHPH business?
    Yes. Any company that chooses to use AutoZoom at start-up will avoid the losses traditionally associated with the learning curve of the BHPH underwriting and deal approval process.
    How can AutoZoom help me in my business if I already consider myself a BHPH expert?
    AutoZoom has found that, regardless of level of expertise, all companies can benefit from using AutoZoom. Our larger clients have more than dozens of BHPH lots.
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  • Testimonials

    • We use it daily as a tool to determine which customer's get a loan with our company. I am especially impressed with the "new" AutoZoom FLX easy-to-read charts and graphs. It is now extremely easy to analyze our past loan portfolio performance, as well as, to predict our future profits and losses! Our underwriters will continue to use AutoZoom FLX daily as a tool to determine which customer's do or don’t get a loan with us.
      • Mark Jones, General Manager
      • 7 Locations
      • 41 Years
      • Texas
    • AutoZoom has enabled us to "score" our customers according to our own best-case underwriting guidelines. This is a great tool for any buy-here pay-here dealer. AutoZoom helps take the guess work out of the underwriting process. It was easy to learn and it is easy to maintain. It has also helped us comply with federal regulations via the Decline Form option. AutoZoom has transformed our approval process from "gut feeling" to solid reasoning.
      • BA Nerison, Operations
      • 1 Location
      • 17 Years
      • South Dakota
    • I love AutoZoom  - a Great tool in our Biz! Specifically, it helps us identify the very weak deals (get rid of them) and the very strong deals (go after them). The experience and wisdom that's built into AutoZoom is Amazing!
      • Bill Grubbs, Underwriter
      • 4 Locations
      • 6 Years
      • Texas
    • Properly used, AutoZoom is the best BHPH scoring system I have seen in my 25 years of experience and the analytical tools are AWESOME!!
      • Bob Okeley, Owner
      • 5 Locations
      • 25 Years
      • Indiana
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