NCC has launched Credit Abuse Risk, a new feature powered by Equifax and built into the NCC Complete Credit platform. Billed as an industry first, the tool was designed to assess intent to pay and identify early-payment default risk when the customer’s credit is pulled.

Executives say Credit Abuse Risk can help dealers reduce the frequency of costly buybacks and chargebacks and identify fraudsters.

“Credit Abuse Risk addresses one of the fastest-growing challenges in auto lending – intent to pay,” says Brian Skutta, President and CEO of NCC. “First-party credit abuse is difficult to detect because the buyer and credit profile appear legitimate. What’s often missing is visibility into intent. By delivering that insight instantly within the credit pull, dealerships can make smarter decisions, reduce exposure, and maintain the speed their customers expect.”

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