How it works
How VINify monitors your vehicle collateral after a loan is funded
Your title check ended at funding. VINify keeps watching, every 48 hours.
We monitor every title in your portfolio across state lines, flag new out-of-state titles, illegal exports and impounds, and tell your team what to do next. Our title monitoring is federally authorized: see where the data comes from.
The blind spot
Clean files at origination. Losses after funding.
Front-end checks were built for the day a loan closes. The risk to your collateral keeps moving after that. By the time it shows up as a missed payment or a charge-off, the vehicle may already be titled in another state, shipped out of the country or sitting in an impound lot.
What’s happening in the field
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01
Vehicles cross state lines
Patterns shift by corridor, port, model and dealer channel faster than one institution can track on its own.
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02
Front-end pass, back-end loss
Retitling, export, impound activity and non-returns surface days to months after funding.
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03
Title and VIN manipulation
VIN cloning and cross-state title activity outpace manual checks inside a single institution.
What VINify does
One service: title monitoring, expert review and an action plan
No new software to learn. We monitor, our team reviews every flag, and you get steps your team can take.
The three fraud signals we monitor for
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A new title in another state
A vehicle you financed is titled somewhere else. The collateral may have moved, or the same vehicle may be financed again across state lines.
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An illegal export
A vehicle leaves the country while your loan is still open. Once it ships, the collateral is out of reach.
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Impound activity
A vehicle on your books lands in an impound lot. Storage fees add up, and an unclaimed vehicle can be sold if no one steps in.
What your team gets
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A portfolio risk assessment
A custom report: what we found, where the risk sits and why it matters, ranked so your team knows where to start.
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A do-now action list
Clear next steps your team can work this week. Then we work the list with you.
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Expert review
Every finding is reviewed by people who know how vehicle fraud works, before it reaches you.
You send VINs only: no borrower names or account numbers, and no integration to start.
How it starts
From 100 VINs to a portfolio risk assessment
Every engagement starts small, with VINs and a conversation, not an integration project. You decide what happens next.
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No cost to qualified lenders
Request your 100-VIN audit
Tell us about your portfolio. We set up a short call, then review up to 100 VINs. No commitment and no integrations.
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Part of the audit
Get your portfolio risk assessment
A custom report on what we found, plus a do-now action list.
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Your call
Decide next steps together
We walk your team through the findings. Then you choose: a 90-day pilot with title monitoring every 48 hours, paid from day one, or work the action list on your own.
Who it helps
Why it matters to every team
The same finding means something different to each team that touches the loan. We write it so each of them can act on it.
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Investigations
- Organized crime units
- Financial crimes units
- Special investigative units (SIU)
A vehicle titled in another state, exported or impounded gives your investigators a concrete lead to follow, with the context on what the pattern can mean.
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Fraud and risk
- Fraud
- Risk
You already check the borrower. VINify adds a view of the vehicle after funding, so you can see collateral risk that payment history won’t show.
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Compliance and legal
- Compliance
- Legal
Written findings and action lists give you a record of what was flagged, when, and the steps recommended.
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Lending operations
- Recovery
- Collections
- Loan servicing
Signals tied to a specific event (a new title, an export, an impound) help your team decide where to look and when to move.
FAQ
Questions about how it works
How does VINify work?
VINify monitors the title on every vehicle in your portfolio across state lines, every 48 hours, and flags three fraud signals: new titles in other states, illegal export and impound activity. Our team reviews every flag and tells you what to do next.
How is VINify different from a title report?
A title report shows a vehicle’s title at one moment. VINify keeps monitoring the title across state lines every 48 hours, so you see what changes after funding, not just what was true at origination.
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.
What do I need to send to get started?
Just VINs, up to 100 for the audit, with no borrower names or account numbers, and no integration. We agree on a secure way to send them during a short call first. Request a 100-VIN audit.
Does the pilot cost anything?
Yes. If you choose a pilot, it runs 90 days on your own portfolio and is paid from day one. The 100-VIN audit and portfolio risk assessment are at no cost to qualified lenders.
What happens after the audit?
We walk your team through the portfolio risk assessment. Then you choose: a 90-day pilot with title monitoring every 48 hours, paid from day one, or work the do-now action list on your own. There’s no commitment.
Start with 100 VINs
Up to 100 VINs, at no cost to qualified lenders. You get a custom portfolio risk assessment and a do-now action list.
- No commitment
- No integrations
- Just VINs: no borrower names or account numbers
Already seeing the problem? Talk to us about a pilot.