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Precheck Cloud Solution

Equifax Precheck helps lenders instantly determine if a consumer’s file is locked or frozen—without posting an inquiry. By detecting file status early, you can proactively guide consumers, reduce abandoned applications, and deliver a frustration-free lending experience
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A Locked File Doesn’t Have to Freeze the Process

Consumers increasingly use credit locks and freezes to protect their credit files. But when those files can’t be accessed, prequalification or credit applications stall—creating a negative experience for both lender and consumer. Precheck from Equifax provides early insight into file status, enabling you to proactively resolve issues before they disrupt the process. The result: smoother workflows, higher conversion rates, and a better customer experience across prequalification, origination, and prescreen.
Early Insights
Gain instant visibility into locked or frozen files.
Improved Experience
Reduce drop-offs with proactive consumer engagement.
No Inquiry Posting
Verify file status without impacting credit scores.
Easy Integration
Delivered via API for seamless adoption.
Configurability
Processed by member number to target specific workflows.
Efficiency
Streamline credit approvals and minimize operational friction.
Delivered via API through Equifax for Developers.
Mirrors lender-provided input; no need for extra data sources.
Consistent with other Equifax layouts and formats.

Precheck in Action

From digital prequalification to in-store origination and prescreen conversions, Precheck helps lenders detect and resolve locked or frozen files early—reducing abandonment and ensuring smoother approvals.

Prequalification

Confirm status before displaying online credit offers.

Origination

Instantly check file access during checkout or dealership financing.

Faster, Smarter Lending

With Precheck, we give the consumer an opportunity to take action before the application process continues.

How Precheck Works

Precheck integrates directly into your decisioning workflow. When a consumer applies for credit, lenders send a “ping” to Equifax to instantly check if the file is locked or frozen. If locked, the consumer is prompted to grant access. This proactive step keeps the process moving without generating an inquiry.
Apply:
Consumer initiates a credit application online or at point of sale.
Precheck:
Lender pings Equifax to determine lock or freeze status.
Resolve & Continue:
If locked/frozen, consumer takes action and the process resumes seamlessly.

Proactive File Verification That Keeps Credit Moving

Precheck gives lenders the visibility needed to avoid stalled applications. By identifying locked or frozen files upfront, you can guide consumers to resolution, reduce frustration, and ensure smoother, faster credit decisioning.

Frequently Asked Questions

Precheck lets lenders instantly check if a consumer’s file is locked or frozen before processing. This avoids stalled applications and improves experience.

It provides early insight into file status without a credit inquiry. Lenders can help consumers unlock files proactively, keeping the process smooth.

Consumers avoid unexpected rejections and can take action to unlock or lift freezes, maintaining control while ensuring smooth applications.

Yes. Precheck distinguishes between consumer-initiated locks and freezes, returning specific hit codes for each.

Delivered via API, Precheck integrates seamlessly with existing credit decision systems, returning results in real time.

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Product Sheet
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Product Sheet
Precheck
Product Sheet

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