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8/6/2019 Credit Bureau Testing
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Credit Bureau
Presenter:Waiz Ahmed
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Credit Bureau Providers
� Equifax
� Transunion. ( To come to DTN)
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Types of Credit Bureau Reports
� Consumer Report.
� Commercial Report.
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How does a dealer enroll with
Credit Bureau?
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Credit Bureau Enrolment.
� The Dealer goes to Credit Bureau Section
via Navigation Bar. i.e. Standalone CB.
� Since the dealer is not enrolled the dealer will not see the Standalone CB but instead
will see an enrollment page.
� The dealer will then confirm if they are a
member of the particular Credit Bureau
Provider and then contact Dealer Support.
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CB-Enrolment ±Dealer.
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DTC user confirms enrolment
� DTC/SA user will go to Dealership
Details>Credit Bureau>Edit
� Enter:� Member Number
� Security Code
� STS.� Consumer and Commercial ( which ever is
applicable.)
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CB Enrollment by DTC/SA
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Permissions
� Both Dealer and Lender users will have
Credit Bureau permissions.
� The users may have a view onlypermission and/or Pull Credit Bureau.
� The Lender user will also have an
additional permission to make Credit
Decisions. i.e. view Credit Decision Suite.
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Permission-Dealer
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Permissions
� Lender
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Where can we access Credit
Bureau in DTN?I need a Credit Report NOW!
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Credit Bureau in DTN
� Dealer side Credit Bureau
� Standalone Credit Bureau-Dealer only
� Lender side Credit Bureau� Joint Credit Bureau-Lender side only
� Dealer side via Deal management and
Standalone.� Lender side only via deal management.
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Dealer Side-via Deal mgmt.
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What is Standalone Credit Bureau?
� Standalone Credit Bureau is a functionalitywhere a dealer can pull a credit report withoutcreating a deal.
� Standalone CB was also referred to as QuickBureau in legacy systems.
� Although we term it as ³Standalone´ you will notsee the term ³Standalone Credit Bureau´ in theapplication. The term used will be ³Credit
Bureau´. ( This will be via navigation menu.)� Standalone CB is only a Dealer side
functionality.
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Standalone-Dealer side.
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Credit Suite Lenders
� C U Dealer Link a.k.a Envision (Dsol)-udecide.
� C U Dealer Finance. a.k.a Assinebione (Dsol.)- udecide
� C U Dealer Finance Corp.
� Alterna Savings� Bank West.
� First Calgary Savings.
� Servus Credit Union.
� Windsor Family Credit Union.
� WS Leasing.
� Caisse pop
� GBC ( Dsol Uadjudicate) do not use DTN for CB.
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Lender side via Deal mgmt.
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Contract Debt Tab Calculation
� Contract Debt Tab contains calculated
fields such as TDSR % and GDSR%
� TDSR%=Total Debt/ Gross MonthlyIncome.
� GDSR%=Housing Payment/ Gross
Monthly Income.
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Joint Bureau-Combined Credit
Information.
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Dsol- Credit Report.
� Some Credit Suite lenders useDecisioning Solutions, a third partyprovider to pull credit reports.
� When a dealer submits a report, Dsolautomatically pulls a report and sends it tothe lender. The credit suite lender then,can view this report via DTN.
� CU Dealer Link and CU Dealer Financeare Dsol credit suite lenders.
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Dsol-udecide view
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Report type and CB window tabs
� Summary
� Plain Text Report
� HTML Report
� Contract Debt ( lender side)
� Udecide Report for Dsol lenders. (lender side)
� Udecide Contract Debt tab for Dsol lenders.(lender side)
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Dealer side: Credit Report
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Lender side report window
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New Enhancements.
� 6 new enhancements were introduced to
Credit Bureau.� Test cases are stored in :O drive.
� Most likely there will be more on the way
with the introduction of Transunion.
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Prototype for Redesign
� Prototype: Product group has created a
prototype for the new enhancements.� http://dtcanproto/CreditBureau/
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Good Luck Testing CreditBureau.
