S
Stirgus CreditRepair
Sometimes a client enroll into Credit Hero Score, but receive "N/A" under their scores, because CHS couldn't verify their identity. We're told to have the client sign back up, incase they mistyped something, and it happens again..OR that we need to make the client call every credit bureau, to ensure their information is accurate...there are many cases, where none of these recommendations will work.
Recently, I had a client who went through this same verification issue with SmartCredit. Luckily we have a direct support line/team, to assist affiliates and they sent me a link to upload the client's documents and SmartCredit manually verified them within minutes! (see the attached email of the communication from smartcredit/consumer direct)
I instantly thought, WOW! This is mind blowing and also less work on the client. Here's a few things worth looking into for feature requests:
  1. When clients enroll into Credit Hero Score, lets PLEASE not charge their card for the $1 trial, if we know they can not be verified. This causes a huge issue/lack of confidence, when we tell clients (who can't be verified) to "we will refund your $1 trial, lets try to do this again and see if it works this time". We should focus on not making the client do this all over again and not have them pay for another trial payment.
When enrolling into smartcredit, the client receives an error message (stating they can't be verified) BEFORE they enter card details.
  1. We need a direct support line with CHS. It is much more professional to tell the client "no worries if you couldnt be verified, sit tight while we fix your account on our end" vs telling them "Ok, lets have you sign back up for this all over again and lets hope it can verify you this time, after you pay another trial payment".
  2. MANUAL VERIFICATION: I'm not sure how smartcredit/consumer direct was able to manually verify the clients identity after receiving their "N/A" error, but we need this for Credit Hero Score ASAP!! The only documents we had to submit to smartcredit, was the client's ID and proof of residence/SSN. Within minutes, Smartcredit/consumer direct fixed the clients account and she we had access to her credit reports (without her creating a new account all back over)
If we could offer this with CRC/CHS, this would be a huge game changer!