Here is a list of current SDS product offerings. Need something that is not listed here? Need more information on products? Call us today at 1-800-955-5238.
If you are an existing SDS customer, you can add access to any of these products by simply filling out an additional product access form and faxing it to us. You can call us to get this form, or visit our web site to access it online at www.sarma.com.
Note that not all states include the social security number on their license layout. If entered before using this product, the social security validation will be included
Use this product to save money! Verify a customer before purchasing a credit report or other more expensive reports. Validation of the above and verified results in less than a minute.
The FICO Expansion Score will help you serve those customers who typically have little to no credit history. Developed by Fair Isaac, the FICO Expansion score is a credit risk model based on a broad set of alternative data sources.
Of the 215 million credit-eligible consumers in the US, approximately 25% have little or no history at the three major US credit reporting agencies. Many consumers such as young adults, immigrants, those recently widowed or divorced and individuals who have traditionally operated on a "cash basis" are unable to participate in mainstream consumer finance as they lack sufficient data at the credit bureaus to generate a traditional FICO risk score.
Users have the option of automatically or manually requesting a FICO Expansion Score whenever a ‘no hit’ or ‘thin file’ is received. You now can be one of the first to deliver this alternative score, allowing users to quickly assess the risk of these underserved consumers in a quick, reliable and cost efficient manner.
Designed by Fair Isaac and their high standard of predictive analytics, the score includes aggregated data from both positive and negative non-traditional credit data sources.
These sources include:
The Fair Isaac Score Card Evaluation Tool provides you with the opportunity to offer your customer with a copy of their score range with explanations as well as suggestions to help improve their score. This product can run after the original credit report is requested and the original credit data is utilized to generate this report. This report is ideal for applicants who were denied credit as a tool to determine how they can improve their score or when credit is approved as a value added service for assistance with improving their credit score. This product can also be turned on to send automated declination letters as well!
Eliminate data entry, fraud and erroneous applications with SARMA Data Systems’ new Application Verification tools. These real-time products may be used directly from the application to automatically populate, verify applicant information or screen for fraud.
RouteOne LLC, the web-based credit application management system launched by DaimlerChrysler Financial Services, Ford Motor Credit Company, General Motors Acceptance Corporation, and Toyota Financial Services, has integrated with SARMA Data Systems.
Integration between RouteOne and SARMA will provide dealers access to SARMA Data Systems for running credit reports through SARMA Data Systems, and pass the customer information to the RouteOne system to initiate the process.
RouteOne enables dealers and their finance sources, including captives and independent lenders, to manage the credit application and consumer financing process online, all from a single desktop. With RouteOne, dealers and finance sources are better positioned to manage the complexities of their business. Currently, RouteOne offers 21,500 dealerships nationwide access to more than 50 finance sources.
Through our interface with ChoicePoint Corporation, Rapsheets Criminal Records, a provider of online criminal records searches can be accessed through SARMA Data Systems. Rapsheets' products complement ChoicePoint's National Criminal File and provide a comprehensive database the area of criminal records retrieval. Rapsheets Criminal Records spans almost every state in the U.S. and includes searches at the county, state and regional and national level. The Rapsheets database delivers instant results of criminal data to assist in background screenings.
The Secretary of State (SOS) search provides state-specific information such as corporate registration information, affiliated individuals, relationship to the business, names and addresses. Possible uses include background investigation, skip tracing and litigation research.
Get instant satisfaction that your customer is using a valid address or phone number. By simply entering the given phone number, this product will verify the number and return the associated address. The new TARGUSInfo database enables you to authenticate applicant information instantly through SDS. Once you collect information from the applicant including the applicant's phone number, the Targus Info database retrieves the information associated with the phone number permitting you to verify the information provided on by the applicant with the information contained in the database. Description codes include Standard Telephone, Individual, Business, Mobile , Maritime, 800 Service, 900 Service, Broadband, and whether Shared between standard telephone and cellular are provided by TARGUSInfo.
This product can also be used to auto-populate an application in seconds by simply typing in any phone number for an individual or business. An option will pop up allowing you to populate an application so you do not have to type in the applicant information to process a credit report or any other information report!
With the availability of the TARGUSInfo's Database, SDS is now your best source for accessing telephone number based information on over 200 million residential and business listings. To help in the decision-making process, TARGUSInfo Database links virtually every phone number, name and address in North America with additional relevant information such as demographics, phone type, phone location, purchase propensity scores, verification confidence scores, and risk assessment factors.
Verify, in real-time, information provided by a consumer at any customer touch point – web, telephone, Point of Sale, or any other contact. Verify Express takes an input name, address and phone number and compares it instantaneously to TARGUSinfo’s database of over 200 million residential and business listings. Targus has over 60 million unique records not available on other phone lookup databases. They also have exclusive information updated monthly from multiple sources that is not found through common directories.
This product can also be used to fill-in information that was either missing from the consumer record or was entered incorrectly. On existing customer files, it can be used to verify and update name, address and telephone number information.