Credit Mountain – AI Credit Counselor

Personalized Financial Guidance... at Scale

Provide your users with a full-suite of tools designed to help improve credit scores. Offer your members a PATH TO YES!

Digital Credit Counseling

Digital Credit Counseling

Evaluate consumers credit, finances & motivations

  • Users select financial objectives, goals, and generate a personalized path
  • Credit unions find out if and when users are eligible for specific products
  • Progress is tracked and displayed, users get engaged and coached

End users get relevant financial content and a marketplace of tools

  • Custom financial content is presented based on each unique personalized path
  • Credit Builder loans, automated credit card paydown and a debt management coach are a few of the tools available
  • Smarter Savings enables users to “set it and forget it” leading to more deposits for your credit union

Stay connected to your members and build lasting relationships

  • Leverage the Credit Counseling Query Engine to gain transparency and insight into end user progress
  • Accompany your members on the journey, use your email system or our library of engagement emails
  • Know when your members reduce debt, recognize their milestone achievements

Say YES more often.

Say Yes more often.

Make Timely and Targeted Offers

• Automatically leverage your underwriting criteria to send offers based on income or credit growth

• Identify when an end user gets a new job or a pay increase

Make a warm decline.

Offer transparency and a path to approval.


But When You Can't Say Yes...

Decline with Dignity

• Finances are intensely personal and hugely emotional

•Declination, for a member or prospect, is a vulnerable time.

Make the right offer at the right time.

• No more mass mail that miss the mark!
• Tailor offers for your products and services
• Based on real-time financial data from external accounts

Acquire New Members... Grow Your Credit Union

01
Group

Community
Development

  • Engage Spanish speaking members and prospective members
  • Accommodate thin file borrowers
  • Leverage data to find new engagement opportunities
  • Meet CDFI requirements with Digital Credit Counseling
02

Help Prospective Members Become Creditworthy

  • Offer unique Credit Builder Loans
  • Provide credit building and improvement tools
  • Create new targets to meet credit challenged borrowers halfway
  • Provide cash flow insights
03

Power your Credit Union’s Commitments

  • Empower your members to make a real difference in their financial life
  • Help your members and communities thrive by offering honest, fair solutions and credit strengthening services
  • Become the preferred provider for a lifetime of financial services

The Product

Your brand. Your products. Your credit union.

No two plans are alike.

Track progress. Send offers.

The product

Your brand. Your products. Your credit union.

No two plans are alike.

Track progress. Send offers.

Partnered with Fellow Fintechs

Trusted by The Movement

 

Clients Say About Us

Discover a better way to improve credit scores.

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Discover a better way to improve credit scores.

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Discover a better way to improve credit score​s.

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