Instant Screen is the only credit pre-screen product available today for the retail automotive industry. Developed jointly by TransUnion and Dealer Marketing Services, Instant Screen allows a dealer to obtain a prospect's exact FICO credit bureau score with only their name and address, and without requiring their social security number, authorization, signature, or an inquiry on their credit bureau.

The only requirement to participate in the program is the dealer must be doing business with at least two lenders (one which could be his own finance company), and can offer the consumer a firm offer of credit under the following terms and conditions, and any combination thereof:

Obviously a customer with great credit (750 and above) and the required income and collateral would qualify for the best terms in every category. A customer with very poor credit (500 and below) may only qualify for the lowest terms and conditions in each category.

For example, they may need to have $3,000 down to qualify to buy a $7,500 car at most. Odds are they won't have 3 grand to put down and if they did they would want something much more expensive. However, that does not change the fact you offered them a firm offer of credit and could honor the terms you presented.

Instant Screen is all about having the right information to work smarter from the earliest point in the sales process in order to find the vehicle that best fits the customers wants, needs and budget, while at the same time making a fair profit for you!