Improved Credit Notice

Credit file, data driven direct mail that targets buyers who improved their credit, shows real monthly savings, and brings pre approved buyers to your dealership.

FCRA compliant credit file
Pre approved credit ranges from our lending partner
PURL, QR, IVR, and text reply for full tracking

Every ICN piece is personalized from the credit file. Customers see the numbers they care about, which turns curiosity into action.

Current interest rate and current monthly payment
New estimated rate based on improved credit
New estimated monthly payment
Monthly and annual savings
Appointment phone number with IVR tracking, PURL and QR link

How It Works:

Targeting: we select local buyers with verified improved credit attributes using FCRA compliant criteria
Personalization: we populate each letter with current payment and a clear savings estimate
Response capture: every mailer routes to a unique PURL and QR, tracks calls through IVR, and texts can confirm appointments
Appointments and sales: customers schedule visits, your team presents lower rate options and moves them into newer vehicles with better features

Why Dealers Choose the Improved Credit Notice:

ICN turns over payers into buyers. You get real conversations with qualified people who already believe the math.

Pre approved buyers from a real lender, no dealer contract necessary
Higher intent than generic mail, the savings are personal and visible
Trade opportunities and refinance options
Clear reporting, every response is tracked and attributed

Proof

James, Subprime to Prime

Old: 28.25 percent and 487 per month
New: 5 percent and 311 per month
Savings: 176 per month, 2,112 per year
Result: trade in plus a newer, safer vehicle

Jennifer, High Payment Relief

Old: 30.75 percent and 803 per month
New: 11.75 percent and a newer vehicle with better tech
Savings: 297 per month, 3,564 per year
Result: dealership captured a sale and a quality trade

FAQ

Is this FCRA compliant
Yes. ICN uses prescreen criteria and includes the required firm offer and opt out language. Final terms require verification.

Do I need a lender contract
No. Offers are backed by our lending partner, so you can launch without a separate dealer contract for the offer.

What data do you use
Credit file attributes that indicate improved credit. We do not expose private data on the website. Each mail piece displays estimates that the customer can verify in store.

Can we co-op this
Yes in most cases. We align creative and disclosures to your OEM program.

How fast can we launch
Targeting and creative in three to seven business days once the market is approved.

Minimum order
Five thousand pieces recommended for statistical reliability. Larger volumes improve appointment density.

Can we add digital
Yes. Add email, social targeting to the same list, and optional CTV if desired. All responses roll up to one report.