100-VIN audit
The 100-VIN audit: see what’s happening to your vehicle collateral after funding
The 100-VIN audit is a review of up to 100 VINs from your portfolio, at no cost to qualified lenders. We check each vehicle’s title across state lines for three fraud signals (new titles in other states, illegal export and impound activity) and turn what we find into a portfolio risk assessment and a do-now action list.
It’s your first look at VINify’s federally authorized title monitoring. Clients who continue have the title on every vehicle in their portfolio monitored across state lines, every 48 hours.
- No commitment
- No integrations
- Just VINs: no borrower names or account numbers
- Results in plain English
What’s in the audit
What the audit checks, and what you get back
Payments show that a borrower is paying. They don’t show what is happening to the vehicle’s title. The audit looks at the vehicle side.
What we check on every VIN
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A new title in another state
The vehicle has been titled somewhere else since you funded the loan.
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An illegal export
Signs the vehicle has left, or is leaving, the country while your loan is still open.
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Impound activity
The vehicle has landed in an impound lot.
What you get back
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A portfolio risk assessment
A custom report built from the audit data: what we found, where the risk sits in your portfolio and why it matters.
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A do-now action list
Clear next steps your team can work this week, in priority order.
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A walkthrough with our team
We take your team through every finding in plain English, so everyone knows what it means and where to take it.
How it works
How the 100-VIN audit works, step by step
No integration project and no IT work. A conversation, a list of VINs and a clear answer back.
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Request your audit
Fill in the short form on this page. Please don’t include VINs or borrower details in the form.
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Have a short call with us
We learn about your portfolio, your priorities and the teams involved, and agree on a secure way to send your VINs.
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Send up to 100 VINs
Just VINs, with no borrower names or account numbers.
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We run the audit
We check each VIN for new titles in other states, illegal export and impound activity, and our team reviews every finding.
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Walk through your results
You get a portfolio risk assessment and a do-now action list, and we take your team through both. Then you decide what comes next.
FAQ
Questions about the 100-VIN audit
What is the 100-VIN audit?
A review of up to 100 VINs from your portfolio, at no cost to qualified lenders. VINify checks each vehicle’s title activity across state lines for new titles in other states, illegal export and impound activity, then gives you a portfolio risk assessment and a do-now action list.
How is the audit different from ongoing monitoring?
The audit looks at what has changed on up to 100 of your titles since funding. Ongoing monitoring checks every title in your portfolio across state lines, every 48 hours, and flags fraud signals as they appear.
What do I need to send?
Just VINs, up to 100, with no borrower names or account numbers. We agree on a secure way to send them during a short call before the audit starts.
Where does VINify’s title data come from?
From NMVTIS, the National Motor Vehicle Title Information System, a federal title database overseen by the U.S. Department of Justice. We are an approved NMVTIS Data Provider.
Does the audit cost anything?
No. The audit is at no cost to qualified lenders, and there’s no commitment. If you later choose a 90-day pilot, the pilot is paid from day one.
Do we need an integration or IT work?
No. The audit needs no integration and no IT work. You send a list of up to 100 VINs.
Who can request an audit?
Banks and captive lenders, credit unions, floor plan lenders, and rental and fleet operators. We work with investigations, fraud, risk, compliance, legal, recovery, collections and loan servicing teams.
What happens after the audit?
We walk your team through the portfolio risk assessment and decide on next steps together. That might be a 90-day pilot, where we monitor the titles on your portfolio every 48 hours, paid from day one. Or your team may work the do-now action list on its own. There’s no commitment.
Request an audit
Request your 100-VIN audit
Tell us a little about your organization. We’ll reply to set up a short call before any VINs change hands. The audit is at no cost to qualified lenders, with no commitment.
What happens next
- We reply to set up a short call.
- You send up to 100 VINs, with no borrower names or account numbers.
- We walk your team through your portfolio risk assessment and do-now action list.
Please don’t include VINs or borrower details in this form. We’ll agree on how you send VINs during the call.
Already know you want a pilot? Talk to us about a pilot.
Your details