RouteOne has created a feature to help you manage the safety of dealership user login information within RouteOne.
RouteOne will now display the date and time of the last successful user login in the upper right hand corner of the RouteOne screen. This feature will assist dealership personnel in verifying that their User ID has not been compromised.
If a user suspects that their User ID has been compromised, or sees a login time or date that they did not initiate, the user should immediately contact the RouteOne Help Desk at 866.768.8301 to begin an investigation.
Running credit reports inside of the RouteOne platform can optimize your sales process. Consider streamlining your F&I process by managing all of your consumer credit applications, credit reports, and compliance activities within RouteOne.
Some of the benefits of credit bureau integration with RouteOne include:
- Process and store credit reports and applications in the same system for maximum efficiency
- Integrated access to ADP’s Credit Check, Reynolds and Reynolds’ CoreLogic Credco, and other resellers
- Direct access to the three credit reporting agencies - Equifax, Experian, and TransUnion
- 60-day retention of credit reports pulled through RouteOne
- Credit Reports pre-fill the credit application for quick submission to designated finance sources
- Credit Reports pre-fill the credit score and consumer information on Credit Score Disclosure Notices (CSDN)
Who is your credit report provider and where do you run consumer credit reports?
You can access any credit bureau source through RouteOne by obtaining dealership account credentials (codes) from the credit bureau provider. Codes comprise a unique set of numbers and/or letters which provide your dealership with access to run credit bureaus. If you are unsure of your credit bureau codes, contact the company that invoices your store regarding credit bureau usage.
After you have received your credit report codes from the perspective supplier/vendor, you may enter the codes into the credit bureau setup in RouteOne. You will then be ready to view and run credit bureau reports – it is that easy!
Here is a list of consumer credit report providers for automotive dealerships:
TransUnion Client Services – (800) 730-0106
Experian – (800) 831-5614
Equifax – (800) 769-4073
CoreLogic Credco – (800) 694-1414
ADP Credit Check – (888) 424-6342
700 Credit – (866) 273-3858
NCC – (800) 709-7222
Pro Credit Express – (800) 942-0897
CSC Credit Services (800) 871-0196
For more information, contact the RouteOne Customer Support team at 833.933.0663 or customersupport@routeone.com.
RouteOne offers dealers an industry-leading suite of free mobile tools, including apps available for use on the iPhone®, iPad™, iPod®, BlackBerry®, Android™, and now, Windows Phone 7. RouteOne.net is also compatible with the mobile browsers for iPhone, iPad, iPod touch®, Android devices, and now, Internet Explorer on Windows® Phone.
The direct link to the RouteOne app is: http://www.windowsphone.com/en-US/apps/c296a1cc-a164-4b80-b2c9-a0ae7e398a79.
In addition to accessing the Windows Phone Marketplace directly through a Windows Phone device, the app may also be accessed from any web browser at the following URL: http://www.windowsphone.com/en-US/marketplace.
Please contact RouteOne Customer Support at 866.933.0663 or customersupport@routeone.com with any questions.
New functionality is available in RouteOne.
Key improvements include:
- Ability to Auto Generate Credit Score Disclosure Notices upon Credit Bureau requests
- Customer Score Graphing for Credit Score Disclosure Notices
- WebApplyOne enhancements
- Additional mobile security settings
- MaximTrak added to F&I Connection within RouteOne
To learn more, contact RouteOne Customer Support at 866.933.0663. Or, contact your RouteOne Business Development Manager for further information.
Have you recently upgraded your browser to Internet Explorer (IE) 9? Have you noticed that some web pages look differently since your upgrade? This may be caused by a compatibility issue with your browser. Some websites that were designed for an earlier version of Internet Explorer may look differently in IE9.
Turning on the ‘Compatibility View’ may help correct these pages. If you have experienced issues with misplaced or condensed tabs, try using the Compatibility View, which will display the website you are viewing as if you were using a version of IE prior to IE9. To turn on Compatibility View, click the small blue ‘broken page’ icon in the navigation toolbar:
If a webpage does not open or appear to load correctly check for pop-ups interfering with the page. You may also want try to close and reopen the browser.
If you have not already downloaded IE9 you can by visiting www.microsoft.com/IE9 .
You may also try viewing the webpage in another browser, like Safari, or Chrome
RouteOne currently supports several browser and browser versions. If you find you are having browser issues with RouteOne, call the Help Desk at 866.768.8301.
Download IE9 here: www.microsoft.com/IE9.
By: Jim Radogna
The new federal regulations that went into effect in 2011 have added to the never-ending compliance requirements that dealerships must contend with. Fortunately, most dealers have found that the Risk Based Pricing Notice and updated Privacy Notice requirements are pretty easy to handle. Utilizing the Credit Score Disclosure exception to Risk Based Pricing Notices and using the New Model Privacy Notices is relatively simple – just a few more forms to add to the pile. The Red Flags Rule is another story.
Red Flags regulations require a dealership to not only be a good citizen, but to be a cop as well. There’s no two ways about it, if red flags are detected during a credit transaction, certain proactive steps are required that will create extra work and slow down the deal process.
Many dealerships are utilizing automated Red Flags programs to help stay in compliance with the new regulations. These programs, such as those available through RouteOne, are excellent and certainly make it easier to navigate the Red Flags Rule. However, there’s some due diligence required on the part of dealership personnel when potential “Red Flags” are detected by these systems. Unfortunately, this is not an uncommon occurrence. Fraud or active duty alerts on credit bureaus, address discrepancies, multiple recent inquiries, or multiple new accounts recently opened are just a few of the situations that are considered to be identity theft “Red Flags”.
During compliance reviews recently, we’ve been paying particular attention to how dealership employees are handling the new Red Flags requirements. Not surprisingly, we’re finding that in many instances when red flags are detected during a transaction, staff members are struggling with what to do next.
For instance, we’ve found a number of situations where the red flags program has prompted that a “high risk has been detected” and that “out of wallet questions are required”, but the questions have not been asked of the customer. While it can certainly be uncomfortable to ask a customer personal questions or request that they supply additional proof of identity or address, it is important that these steps not be avoided. If an identity theft does occur, and the system-recommended steps were not taken, it’s conceivable that the dealership’s exposure to liability will be increased dramatically. The same holds true in a situation where the dealer’s Red Flags procedures are audited by a regulator. Staff members’ proclamations that they had a ‘gut feeling’ that the customers were who they said they were will not likely be enough to satisfy the investigators. The fact that the employees were prompted to follow a particular procedure and failed to do so would almost certainly make matters much worse.
Training is a mandatory requirement of the FTC’s Red Flags Rule. Employees should be well-trained in all aspects of the company’s Identity Theft Protection Program and features of any automated Red Flags systems, including the proper procedures necessary if Red Flags are detected. The training should explain the spirit of the law as well. It is important that staff members understand that the Red Flags Rule requires employees to be proactive in attempting to prevent identity theft and that any shortcuts taken in the process can create extreme liability to the dealership.
Even the best Red Flags program is not infallible. Chances are that an experienced identity thief will succeed despite a dealership’s best efforts. That’s understandable. As long as the company can show that they have performed their due diligence and did not take any shortcuts, their exposure will likely be lessened dramatically.
Jim Radogna is the President of Dealer Compliance Consultants, Inc., a national training and consulting firm based in San Diego, California. Before founding Dealer Compliance Consultants, Jim developed a strong background in dealership operations, having spent over 15 years in dealership management. His experience includes working in diversified roles such as sales manager, F&I director, general manager, and training director. In addition, he served as compliance officer for a large auto group, where he developed and integrated a comprehensive compliance program. Being well-versed in all aspects of dealership operations, Jim has used his knowledge and industry experience to develop unique, no-nonsense compliance and reputation management solutions for automobile dealerships of all sizes. These programs are designed to not only protect dealerships from liability, but also greatly enhance the company’s reputation, increase profitability through consistent processes, and increase customer satisfaction and retention.
Now available - enhancements to the free RouteOne Android™ app, including the ability to forward ‘sent’ applications to a new finance source, securely text message with supporting finance sources, get payoff quotes, and capture leads into the Lead Manager within RouteOne. This additional functionality will also be available for the iPhone® in the coming months.
The additions enhance the base functionality of the app, which allows users to view and manage RouteOne deals and leads and request and view credit scores instantly, whether in the F&I office or outside the dealership. In addition to the Android app, RouteOne offers an industry-leading suite of mobile tools, including apps available for use on the BlackBerry®, iPhone, iPad™, iPod® and soon, for Windows 7 Phone. RouteOne.net is also compatible with iPhone, iPad, iPod touch®, and Android mobile browsers.
The RouteOne app will be automatically updated for users who turn on the automatic update feature in their Android phone. Others will need to update it manually (dealers should look for the new RouteOne app on their update notification list).
Dealers may contact RouteOne Customer Support at 866.933.0663 with additional questions.
RouteOne is offering dealers FREE training on the new Compliance Dashboard functionality within RouteOne. We are offering daily webinars through Thursday, 2/23. Register today!
RouteOne Compliance Dashboard Webinar (2:00 p.m. EST)
The RouteOne Customer Support Team will lead the trainings on 2/28, 3/1, 3/6, 3/8, 3/13, 3/15, and 3/20. The RouteOne team will help you:
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Establish an understanding of actions that may be taken in the RouteOne Compliance Tab
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Set up system preferences in the RouteOne system
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Complete an action within the system in regards to:
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Identity Verification
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OFAC
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Risk-Based Pricing Rule – Credit Score Disclosure Notices
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Dodd-Frank Adverse Action Notices
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Run Compliance Reports within RouteOne
To reserve your spot, please visit www.routeone.com/DashboardTraining.
Questions? Contact RouteOne Customer Support at 866.933.0663 or customersupport@routeone.com.
During NADA 2012, hundreds of dealers and dealership employees visited the RouteOne booth to catch a demo of the new RouteOne Compliance Dashboard. The Compliance Dashboard will be available to dealers in mid-February 2012. This free tool allows a dealer the ability to visually evaluate their compliance status within RouteOne, including assessment of Identity Verification, OFAC, Risk-Based Pricing / Credit Score Disclosure Notices, and Adverse Action Notices.
Dealers may view transactions at a dealership or individual user level, and may customize the categories they wish to track and monitor.
Compliance is a significant issue within the dealer community, and many dealers expressed concern regarding the growing complexity of rules and regulations within the F&I office, particularly how challenging it can be to manage compliance duties within the dealership. RouteOne was pleased to demonstrate to dealers its comprehensive compliance suite, designed to assist with managing compliance and staying ahead of government regulations. In addition to the Compliance Dashboard, RouteOne offers identity verification, electronic document storage, Adverse Action/Credit Score Disclosure notices, and more.
Dealers interested in personalized training on the Dashboard or other RouteOne features may contact their Business Development Manager or RouteOne Customer Support at 866.933.0663.
RouteOne has served as an industry leader in the online credit application management space, helping automotive dealers and finance sources to enjoy a faster, more efficient credit application process. The services that RouteOne provides have helped automotive dealerships sell more vehicles and have also provided finance sources a channel to grow their business. RouteOne continues to build upon the list of active finance sources on the platform.
Many used car dealers have also taken advantage of the tools available on RouteOne. RouteOne is currently growing its lender base within the used car niche. The combination of a strong used car market and a large number of participating finance sources makes RouteOne an excellent platform for both franchised and used car dealers.
RouteOne offers a host of useful features to its finance sources, all of which enhance the dealer user experience:
- eContracting
- Rates and Forms
- Reporting Suite
- Payoff Quotes
- Dealer Reserve Reports
- Vehicle Values
- Text Messaging
- Contract Status
- Deal Refresh
Using these tools enables a truly integrated process between the dealer and finance source, while maximizing customer satisfaction.
If you are a finance source interested in participating on the RouteOne platform or a dealer interested in viewing existing active finance sources on RouteOne, please click the appropriate button below and complete the form as directed.
