Point Predictive BorrowerCheck
Point Predictive BorrowerCheck: Point Predictive describes BorrowerCheck as protection against first-party and third-party fraud at the point of sale. First-party fraud means the applicant lies.
Point Predictive BorrowerCheck: BorrowerCheck
Third-party fraud means someone uses another person's identity.
The company says dealers who use it report preventing buybacks that older tools missed. It says the tool detects synthetic identities and checks documents and income in real time.
Point Predictive names dealer groups such as Ken Garff and Bayway as users.
In January 2026 Cox Automotive announced BorrowerCheck inside its Dealertrack F&I platform. The announcement describes identity checks that work against deepfakes and synthetic identities.
A dealer would ask when in the deal the check runs and what a flag means for the customer. It would ask how errors get corrected.
Bayway Auto Group announced that it had adopted BorrowerCheck to strengthen its lender relationships. Ken Garff's 70 dealerships did the same, according to Point Predictive.
Both releases are on the company's own site.
Point Predictive says its 2025 report showed dealership adoption rising as buybacks grew. A buyback happens when a lender makes the dealer take back a loan.
A dealer would ask what evidence the tool gives it when a lender disputes a deal.
| Product or service | Function |
|---|---|
| BorrowerCheck | Borrower fraud checks, offered for dealers and for lenders. |
A combined applicant report and a separate verification action
Point Predictive describes BorrowerCheck for Dealers as combining identity, income, employment and OFAC signals in one report, with phone-based one-time-passcode verification. Its product material distinguishes those checks from traditional knowledge-based questions. pointpredictive.com
A dealership evaluation should establish which fields are submitted, which signals return and where an employee records the follow-up required by a finding. Use a demonstration record to inspect that workflow without treating a risk signal as a final lending decision. pointpredictive.com
The receiving lender's requirements and the dealer's documented review remain separate from the software's report. pointpredictive.com
- pointpredictive.com
- pointpredictive.com /autopass/
- pointpredictive.com /dealercheck/
- pointpredictive.com /trusted-company/
- pointpredictive.com /borrowercheck-for-dealers/
- coxautoinc.com /press-releases/cox-automotive-dealertrack-partners-with-point-predictive-and-adds-the-power-of-ai-to-fight-the-rising-cost-of-fraud/
- pointpredictive.com /press-releases/bayway-auto-group-implements-point-predictives-borrowercheck/
- pointpredictive.com /press-releases/dealership-adoption-of-point-predictives-borrowercheck-surges-to-counter-rising-auto-fraud-and-buybacks/
- pointpredictive.com /predictive-solutions/