Credit Repair Referral Program for Car Dealerships
Help customers who cannot qualify for auto financing by referring them to Credlocity. Our FCRA-certified credit repair program can improve their credit scores so they can return and finance a vehicle - turning lost sales into future closings.
How Car Dealerships Lose Sales to Credit-Denied Customers
Every car dealership's Finance and Insurance department routinely encounters customers who cannot secure auto loan approval due to credit issues - collections, late payments, high utilization, charge-offs, or thin credit files. These customers may have the income and intent to buy, but lenders refuse to finance them or offer terms so unfavorable (30+ percent APR from buy-here-pay-here lenders) that the monthly payment is not sustainable. The outcome is a lost sale. Without a clear path forward, most of these customers leave the lot, try another dealership, and eventually either buy elsewhere when their situation improves or stay out of the market. Credlocity's partner program creates a bridge: refer the customer to Credlocity, they improve their credit over 60 to 120 days, and they come back ready to finance - often to the dealership that helped them solve the problem.
The Referral Process for Car Dealerships
When your F&I department cannot secure acceptable financing for a customer, the sales or F&I manager introduces Credlocity as a resource. The customer visits the Credlocity intake page or contacts Credlocity through your referral link. Credlocity provides a free consultation, reviews the customer's credit reports, and develops an FCRA-based dispute strategy. The first 30 days are completely free to the customer, with no advance fees of any kind, fully compliant with the Credit Repair Organizations Act. Credlocity targets the specific negative items most likely to be preventing auto loan approval - typically collections, charge-offs, and high utilization - with certified dispute letters to Equifax, Experian, and TransUnion. When the customer's score improves, they have every reason to return to the dealership that helped them get there.
How Credlocity Improves Auto Loan Eligibility
Credlocity's FCRA-certified consultants analyze each client's credit file for disputable inaccuracies under the Fair Credit Reporting Act. Under FCRA § 1681i, credit bureaus must investigate disputes within 30 days and delete any item that cannot be verified. Under FCRA § 1681s-2(b), furnishers (original creditors and collection agencies) have an independent duty to investigate direct disputes and correct or delete inaccurate information. Many collection accounts held by debt buyers cannot be verified because the original creditor documentation was never transferred with the portfolio. When these accounts are successfully disputed and deleted, the score impact is often immediate and significant - particularly when the deleted item was a collection that was heavily suppressing the score. Moving a customer from a subprime tier (below 620) to a near-prime tier (620-659) can open access to indirect lenders and dramatically improve financing terms.
About Credlocity Business Group LLC
Credlocity Business Group LLC was founded in 2008 by CEO Joeziel Vazquez (FCRA Certified, BCCC, CCSC, CCRS), headquartered at 1500 Chestnut Street, Suite 2, Philadelphia, PA 19102. With 17 years of FCRA dispute experience and 79,000+ clients, Credlocity is a trusted partner for dealerships looking to help credit-challenged customers access vehicle financing. Credlocity is CROA-compliant, charges no advance fees, and provides a 30-day free trial. Our service is fully remote and available to customers across all 50 states.