By Paul Nicholas 

 At OttoMoto, we understand that making confident lending decisions replies on having access to complete, accurate information. 

Whether you're a lender with a network of dealer partners, or a BHPH dealer financing customers in-house, you need access to tools that incorporate real-time credit information. 

That's why we made sure integrated credit reports were built right into the core of the OttoMoto platform. It integrates access to credit reports right into its deal flow as part of a wider platform designed to help lenders evaluate risk, reduce application errors and ultimately approve deals faster. 

Let's break down the benefits…  

 

Credit access as part of the process 

Soft and hard credit pulls are part of the broader OttoMoto workflow, so lenders receive applications that already include verified credit information. That way, credit information is part of a structured, compliant deal package, where every submission meets lender-specific program guidelines. 

This isn't a plug-in or third-party redirect, it's an integrated tool that forms part of the larger decision-making process, reducing the need for manual back-and-forth with dealers. 

 

Smarter applications from the moment a deal is initiated 

As a dealership owner myself, I understand the importance of accurate and timely finance applications.  

That's why OttoMoto's credit reporting integration is just one of many tools in our platform that are designed to reduce friction in the lending process. 

OttoMoto checks each application against a lender's specific criteria, helping dealers structure the deal correctly and proactively identify any issues. 

For lenders, that means: 

• Cleaner applications 

• Less rejections 

• Shorter decision times 

• Faster time to funding 

And for BHPH dealers, it means more confident risk assessments because access to real-time credit information is available as part of the deal-building process. 

 

An all-in-one platform 

How frustrating is it when you need several tools to manage deals? 

OttoMoto eliminates the need for multiple tools by integrating everything into a single, streamlined platform that incorporates: 

• Access to credit reports 

• A Digital Deal Jacket for secure document capture and storage 

• Identity and fraud prevention tools (via OTTOverify™) 

• Verifying consumer qualification aligning them with the proper lender(s) 

• Secure document management and audit trails 

• Built-in vehicle valuation tools 

All these tools work together, so lenders (and dealers) see complete, structured applications. 

 

Built with compliance in mind 

We understand that lenders need to prove compliance across every action taken. This is especially true around credit reporting. 

The OttoMoto platform has built-in tools for risk-based pricing notices, adverse action letters, and audit-ready documentation. 

Every single credit pull is tracked, tied to the borrower file, and easily available for reviews and audits, allowing lenders to standardize processes and reduce their risk exposure. 

 

Better credit evaluation = better outcomes 

When lenders receive submissions with complete, accurate borrower data, it becomes much easier to approve the right deals faster (and flag the ones that don't align with their portfolio). 

OttoMoto's integrated access to credit reports ensures lenders get the right information up front, without asking dealers to manage multiple systems or make multiple calls to the customer and ask repeated questions. 

This means faster approvals, less errors, and a more consistent workflow. 

 

The bottom line 

OttoMoto doesn't replace your credit bureau. Instead, it connects credit data to the rest of the deal process, eliminating the delays and bottlenecks that slow down approvals. 

For lenders, that means higher-quality submissions and less compliance headaches. And for BHPH dealers, it means faster, more-informed approvals with built-in risk management and compliance support. 

That's what OttoMoto delivers. 

 

Would you like to see the OttoMoto platform for yourself? Book a demo at a time that suits you or drop us a line and a member of our team will be delighted to help.