Know what’s happening across your vehicle network— every day

We collaborate directly with your team—not another screen to manage.

The problem no one owns... 

happens after the transaction

Organizations have invested heavily at the start of a transaction. But once a vehicle is financed, rented, or deployed, visibility drops. Updates fragment across agencies and partners; risk grows in the seams between teams, vendors, and jurisdictions.


Leaders aren’t short on data—they’re short on clarity, context, and coordinated action.

Yesterday’s controls can’t see today’s risks

Static reports, monthly file pulls, and point-in-time checks were built for a slower era. Today, title activity, lien changes, cross-border movements, and enforcement events can shift within a day across systems.


The question isn’t “Do you have the data?”—it’s “Do you have a partner who will interpret it with you and help you move?

The cost of inaction
(why this can’t wait)

Fraud, delinquency, and organized rings don’t just “happen at the counter” or “before funding.” They metastasize after the transaction—through retitling, export attempts, impounds, and documentation games—silently turning recoverable risk into total loss.

$11B+ total

When you include misclassified fraud that’s booked as “credit loss/charge-off,” especially at credit unions under delinquency pressure—meaning the real exposure is even higher than what shows up in fraud ledgers.

$9.2B

Estimated annual auto-lending fraud exposure, led by income/employment misrep, synthetic identities, credit washing, and true-name ID theft.


$1.15B

Estimated annual losses across U.S. rental fleets from post-transaction fraud patterns like non-returns, parts scavenging, and title/export maneuvers.


Regulators are also raising the bar: banks and credit unions are expected to demonstrate ongoing collateral surveillance, lien control, vendor oversight, and portfolio-level risk management—not just point-in-time checks.

What you get with VINify

  • Daily Intelligence Briefings tailored to your portfolio, fleet, and regions.
  • Analyst-led reviews explaining what changed, why it matters, and what to do.
  • Action lists your team can execute this week—then we work the list with you.
  • Compliance evidence packaged for examiners, auditors, boards, and counsel.
  • Federal & market context you won’t get from a dashboard: trends, timing, escalation paths.

How we help by industry

(outcomes first, “how” second)

  • Banks & Captive Lenders

  • Credit Unions

  • Compliance & Legal Leaders

  • Rental & Fleet Operators

Fewer surprises, stronger documentation, credible oversight.

Analyst-guided monitoring of title, lien, and cross-border risk with next-day briefings; targeted deep-dives on higher-exposure segments; and evidence packs that stand up in risk committees and exams.

How the engagement works
(simple, service-first)

Assess

Light-touch review of an initial VIN sample and your priorities.

Brief

First Daily Intelligence Briefing with our team ready to support you.

Act (together)

Work the action list across your Enterprise Teams from Risk, Compliance, Fraud, Collections, Legal and more.

Why teams choose VINify
(over “another tool”)

Hands-on experts working with your team. Get real-world feedback based on fraud signals.

Daily, defensible visibility that shows control—without overpromising “real-time.”

Cross-functional alignment: risk, operations, compliance, and counsel on the same page.

Privacy-safe—we deliver value without personal customer data.


Get a 100-VIN Audit — Free

Start with confidence —no risk, no PII

We’ll review up to 100 VINs and deliver:

  • A concise Findings & Priorities brief (what changed, where, and why it matters).
  • A Do-Now Action List your team can execute immediately.

No commitment.

No integrations.

Just clarity—and a partner beside you.  

No PII needed, just VINs.

Apply for Your 100 VIN Audit

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Title Alarm LLC, Marley Nonami Incorporated is an approved NMVTIS Data Provider.

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