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Decisioning

Our pioneering decisioning technology features
Data Connectors, a powerful Decisioning Engine, and efficient Workflow Management to make sure you seize every opportunity.

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Analytics

Take the learnings of today, to enhance your decision-making tomorrow, with our advanced analytics tools, including Policy Monitoring, Custom Model Development and Monitoring, GDS Link Credit Attributes, and Open Banking Attributes, – all backed by our dedicated Advanced Analytics team to help you stay ahead of tomorrow’s lending challenges.

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Solutions We Provide

Regulatory Best Practices for FCRA Prescreen Campaigns

How SerTech Helps You Stay Compliant, Confident, and Conversion-Ready.

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Ensure Compliance While Growing Your Lending Portfolio

FCRA-compliant prescreen marketing is a powerful tool for reaching qualified borrowers when done right. SerTech helps banks and credit unions navigate the complexities of consumer credit marketing with regulatory precision and peace of mind.

We provide expert guidance, operational safeguards, and campaign support so you can focus on driving loan growth without the compliance headaches.

Prescreen Marketing Done the Right Way

SerTech’s prescreen campaigns are built with regulatory integrity from the ground up. We follow industry best practices and support your institution every step of the way, from credit bureau audits to marketing execution.

Key compliance focus areas we support:

  • FCRA-Compliance Data Use – Ensure your campaigns only use credit data in accordance with permissable purposes. We help you define, apply, and document eligibility criteria in line with FCRA guidelines.
  • Offer Clarity and Accuracy – All loan offers are prequalified, no guaranteed. Our templated disclosures and offer language are designed to meet compliance expectation while remaining clear and member-friendly.
  • Marketing Material Review – SerTech reviews creative to confirm consistency between targeting criteria and advertised offers, reducing regulatory risk and bureau challenges.
  • Data Retention & Destruction – We support secure and timely data destruction processes, helping your team meet bureau and legal data handling requirements.

Tips and Trick for Staying Compliant

SerTech’s experienced compliance support team provides proactive insights and resources:

  • Keep FCRA criteria documentation updated and accessible
  • Schedule routine internal reviews of marketing copy and disclaimers
  • Avoid making misleading or guaranteed claims in your creatives
  • Set data deletion reminders and maintain secure access logs
  • Work with vendors (like SerTech!) who understand bureau protocols
Support for Quarterly Bureau Audits

Credit bureaus regularly request proof of compliance. We make it easy. This means less burden on your compliance and marketing teams, and more confidence with every campaign.

SerTech helps fulfill quarterly audit requests by providing documentation and records related to:

  • Credit and segmentation criteria
  • Marketing materials and offer language
  • Data security, access, and destructive protocols

 

Deep Credit Union Expertise

We’ve partnered with hundreds of credit unions across the country, understanding their unique challenges and member-first mission. Our solutions are built specifically to drive growth while staying aligned with your values.

Full-Service, Not Self-Serve

From data pulls to deployment, we do the heavy lifting. You get a turnkey prescreen marketing solution—no added pressure on your team, and no tech headaches.

Results You Can Measure

Our campaigns are built to drive real outcomes—higher response rates, increased loan volume, and stronger member engagement. We provide clear reporting and insights so you always know who’s working and where to optimize.

Ready to launch compliant, high-performing campaigns?

Let SerTech help you take the guesswork out of FCRA prescreen marketing.

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