Pat Kleinman
Manager, Business Development

Email: pkleinman@ctrone.com
Website: www.centeronefinancial.com

Other Services Offered

190 Jim Moran Boulevard
Deerfield Beach, FL 33442-1702

Phone: (612) 889-7843
Fax: (888) 503-8168

CenterOne Financial Services leverages its extensive expertise to provide clients with third-party solutions, including loan and lease servicing, collections, lease-end remarketing, repossession and remarketing, and back-up servicing. In 2004, CenterOne was the first retail auto loan and lease servicer to earn the highest Standard & Poor’s ranking of STRONG, which the company maintains today.

Matt Downie
Account Manager

Email: mattdownie@decisioningsolutions.com
Website: www.decisioningsolutions.com

Other Services Offered

2 Bloor Street East
Suite 3501
Toronto, ON M4W1A8

Phone: (866) 805-1470 x236
Fax: (416) 840-2433

Decisioning Solutions, a leading provider of decision technology offering uAdjudicate(tm), an automated workflow lending management tool designed specifically for customer decisioning in all segments of the automotive lending industry. Our core belief in offering constantly evolving, user configurable technology provides our customers the competitive edge needed to be flexible, nimble and swift to market with the ability to make changes instantly and as required in a constantly changing credit environment.

Steve Ely
Chief Executive Officer

Email: steve.ely@ecredable.com
Website: www.ecredable.com

Other Services Offered

5755 North Point Pkwy.
Suite 69
Alpharetta, GA 30022

Phone: (678) 694-1139
Fax: (206) 299-3459

eCredable is a Credit Reporting Agency that assists consumers in demonstrating their creditworthiness, by verifying the bills they routinely pay. We provide the consumer with a verified credit report and credit rating, which allows them and the lender to know where they stand, even if they don’t have a traditional credit history. Our business empowers more than 50MM consumers to put forth the effort and expense to demonstrate their creditworthiness to a potential lender.

Customer Service

Email: info@fico.com
Website: www.fico.com

Other Services Offered

901 Marquette Avenue
Suite 3200
Minneapolis, MN 55402

Phone: (800) 999-2955
Fax: (612) 758-5201

FICO (NYSE:FICO) delivers superior predictive analytics solutions that drive smarter decisions. The company’s groundbreaking use of mathematics to predict consumer behavior has transformed entire industries and revolutionized the way risk is managed and products are marketed. FICO’s innovative solutions include the FICO® Score — the standard measure of consumer credit risk in the United States — along with industry-leading solutions for managing credit accounts, identifying and minimizing the impact of fraud, and customizing consumer offers with pinpoint accuracy. Most of the world’s top banks, as well as leading insurers, retailers, pharmaceutical companies and government agencies, rely on FICO solutions to accelerate growth, control risk, boost profits and meet regulatory and competitive demands. Most leading banks and credit card issuers rely on FICO solutions, as do insurers, auto finance, retailers, healthcare organizations and other companies. FICO also helps millions of individuals manage their personal credit health through www.myFICO.com. Learn more at www.fico.com. FICO: Make every decision count™.

William Nass
President

Email: bnass@tcicredit.com
Website: www.tcidecisionlender.com

Other Services Offered

1377 Motor Parkway
Suite 400
Islandia, NY 11749

Phone: (631) 404-4122
Toll Free: (516) 641-9133
Fax: (631) 404-4222

DecisionLender is a web-based loan origination solution that’s designed to meet your unique approach to your market whether it’s secured or unsecured, direct or indirect, or centralized or branch driven. You value your loan sources, and we help you enhance your relationship. DecisionLender is a semi-customizable, web-based, SSAE 16 certified cloud computing solution that automates the entire lending process so that you can respond to loan applications in minutes. DecisionLender includes: your consistently applied lending criteria, audit trail, dealer messaging, contract preparation, electronic reception of stips or contract via document imaging or document faxing, and electronic signature. Connects to DealerTrack, RouteOne, ODE, directly to your merchant’s system and your servicing system.

Peter Turek
Vice President, Automotive

Email: pturek@transunion.com
Website: www.transunion.com

Other Services Offered

34119 W. Twelve Mile Road
Suite 220
Farmington Hills, MI 48331

Phone: (248) 324-3030
Toll Free: (248) 444-3004
Fax: (248) 324-3040

TransUnion helps businesses respond with the right strategies to trends that may yield growth opportunities and trends that could negatively impact their portfolio. We bring together data, analytics and an in-depth understanding of the industry to help improve portfolio management, risk and acquisition strategies. This powerful combination of information and insight helps businesses make better decisions, improve efficiency and identify opportunities at every stage of the customer lifecycle—from acquiring customers to strengthening and expanding relationships with them. Learn more at transunion.com/business.

Michael Dunn
VP Strategic Planning & Communications

Email: mikedunn@vantagescore.com
Website: www.vantagescore.com

Other Services Offered

1055 Washington Boulevard
3rd fl.
Stamford, CT 06901-3284

Phone: (203) 363-2160
Fax: (203) 569-0010

VantageScore is a new generic credit scoring model that opens doors to the opportunities that having credit creates. Created by America's three major credit reporting companies, VantageScore's highly predictive model uses an innovative, patent-pending scoring methodology to provide lenders with a consistent interpretation of consumer credit files across all three major credit reporting companies and the ability to score a broad population. This means lenders can help more creditworthy borrowers, and millions of Americans who use credit infrequently can be accurately scored.