The newest tool from NCC has Equifax-powered capability underpinning it, so dealers can spot potential revenue-draining risk.

The provider of integrated credit, compliance, desking, and fraud prevention solutions for automotive retailing this week launched what it’s calling Credit Abuse Risk.

Built on Equifax’s predictive scoring infrastructure, the solution embedded directly within the NCC credit report can give dealerships a proactive, compliant way to assess intent to pay and identify early payment default risk during the credit pull.

The tool is designed to help teams make more informed deal decisions while reducing exposure to buybacks and chargebacks.

“Credit Abuse Risk addresses one of the fastest-growing challenges in auto lending — intent to pay,” NCC president and CEO Brian Skutta said in a news release. “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,” Skutta continued.

Credit Abuse Risk is embedded directly within credit reports in NCC’s Complete Credit platform, appearing automatically alongside existing credit and fraud tools with no setup or workflow changes required.

By evaluating behavioral credit signals in real time, using Fair Credit Report Act-regulated data, the solution surfaces risk that traditional solutions cannot detect, allowing dealerships to move forward with greater clarity and control.

Key capabilities include:

—Intent-to-pay predictive scoring embedded in every NCC credit report

—Detection of intent-to-default risk beyond traditional credit scores

—Easy-to-action instant risk classification (low, medium, high) at the time of credit pull

—No setup, integration, or additional steps required

A strong credit score indicates a customer’s ability to pay, but not always their intent to pay,” NCC said. “As early payment defaults continue to rise and create increased lender scrutiny, this added layer of visibility helps dealerships reduce risk before funding while protecting long-term profitability.”

Credit Abuse Risk is now available to all NCC customers.

Learn more at https://nccdirect.com/credit-abuse-risk/.