Introducing TruScreen: Stop Paying to Evaluate Applicants Who Won't Fund

Every online lender runs the same unforgiving math. You acquire a lead, pay for the data to evaluate it, commit decisioning resources to score it, and only a fraction of those applicants actually fund. The cost of every applicant who does not fund gets absorbed by the ones who do.

That cost per funded loan quietly determines whether a portfolio is healthy or bleeding. A meaningful share of applicants are not really shopping for a loan with you. They are shopping the market, comparing offers, stacking concurrent loans, or submitting similar applications across the industry.

Today we are launching TruScreen, a low-cost pre-decisioning signal inside Decision Cloud built for one purpose: identify those applicants before you spend a dollar fully evaluating them.

TruScreen sits at the top of your decisioning funnel. When an application comes in, TruScreen returns a signal indicating whether that consumer is currently active in the broader online lending marketplace — shopping multiple lenders, stacking concurrent loans, or matching patterns consistent with multi-app fraud.

The signal is meant to be used early. Most Decision Cloud customers will route TruScreen-flagged applicants to a tighter decisioning path: declining outright, deprioritizing, requiring additional verification, or pricing differently. The point is that you are making that call before the bureau pull, not after.

Three pressures we kept hearing from customers led directly to TruScreen: rising cost per funded loan, stacking that does not show up in time, and comparison shoppers who look like leads but do not behave like buyers yet.

Bureau costs are not moving in lenders' favor. Decisioning compute, fraud tooling, and underwriter time are not either. The easiest place to defend unit economics is to stop paying to evaluate applicants who were never going to fund profitably in the first place.

Stacking creates a timing problem. When a consumer applies with you and another lender on the same Tuesday morning, traditional bureau data may show neither application. By the time the bureau catches up, often 30 to 60 days later, you may have already funded into leverage you could not see.

The benefit shows up in two places. The first and largest is acquisition cost. If TruScreen lets you skip the bureau pull and full decisioning workflow on even a modest portion of inbound applications that were not converting profitably, the savings compound across every funded loan you produce.

The second is default risk. Applicants TruScreen flags as stacked or active across multiple lenders are, by definition, more leveraged than bureau data alone may reveal. We are not promising a default rate. We are saying that funding a loan to a consumer who is mid-stack with two other lenders is a risk you can now choose to take with eyes open, or decline.

If you are already using Decision Cloud, TruScreen is a feature, not an integration. There is no new SDK, no new connection, no data science project, and no rip-and-replace. The signal is exposed in the same workflow you already use to call CRAs and run validity and fraud checks.

Pricing follows the same principle as the product. TruScreen is designed to be called on a high volume of applicants, so the per-call price is low enough to run at the top of the funnel. The whole point is to use it before you have made any other expensive decision.

Existing Decision Cloud customers should start with a measurement window: call TruScreen on a portion of inbound traffic, observe the flags, and baseline the signal against funded versus not-funded outcomes before routing on it.

From there, decide where TruScreen belongs in your funnel. The default recommendation is before the bureau pull. Then choose the first metric you want to move — usually cost per funded loan or early-vintage default rate — and measure the signal against that KPI.

We will be running a customer-only walkthrough in the next few weeks where the product team and launch customers will share what they have seen so far. Your CSM will send the invitation.

TruScreen is not a replacement for CRA relationships, underwriting models, or fraud stacks. It does not return a credit score, and it does not make a funding decision.

It is a pre-decisioning signal: fast, inexpensive, and designed to sit at the top of the funnel so lenders can see something they could not see before. The rest of the stack still does the work it has always done. TruScreen helps make sure that work is not being spent on the wrong applicants.

Want to turn on TruScreen? Reach out to your Insight CSM, or contact us at insight.tm. We will walk you through placement, pricing, and the first measurement window.