Connected Intelligence Ecosystem
From early risk to recovery, DRN, MVTRAC, and SCM help lenders detect risk sooner, control loss exposure, and recover more.
The 2026 Lender Reality
Auto lenders are facing rising risk, shrinking recovery margins, and increasing operational complexity, making fragmented recovery strategies ineffective.
$1.6T
Outstanding auto debt driven by elevated vehicle prices and extended terms
~30%
Below-prime borrowers representing higher-risk portfolio exposure
3.4M
Projected annual repossessions requiring faster, earlier intervention
~15%
Used-vehicle depreciation at pre-pandemic norms, compressing net recovery
A Unified Recovery Strategy
Eliminate silos and bring intelligence, execution, and investigation together into a single recovery workflow.
DRN: The Intelligence Core
Real-Time Vehicle Location Intelligence
DRN transforms vehicle location data into actionable intelligence, helping lenders detect risk earlier, prioritize accounts, and improve outcomes.
- Skip Trace: Reach the right borrower faster by combining LPR data with public records.
- Risk Scoring: Detect risk earlier using real-world vehicle activity and behavioral signals.
- Vehicle Search: Locate vehicles in real time to prioritize recoverable assets and reduce losses.
- Alerts: Act immediately on impounds, theft, total loss, and export activity.
MVTRAC: The Recovery Engine
Execution at Speed, Built for Automated Recovery
MVTRAC operationalizes LPR intelligence by automating repossession workflows, enabling faster, compliant, and higher-yield recoveries.
- Nationwide Reach: More than 600 affiliates across 300+ markets providing 24/7 coverage.
- Smart Assignments: Route orders using real-time intelligence to improve recovery rates.
- Automated Workflows: Verify status in real time to reduce delays and prevent errors.
- Compliance: Ensure compliant recoveries through vetted agents and standardized processes.
SCM: The Deep Skip Specialist
Solving the Most Complex Recovery Cases
SCM handles the most complex recovery cases, combining expert investigation with proprietary methods to recover high-risk and late-stage accounts.
- Expert-Led Investigations: 150+ skip investigators who go beyond databases to find hidden assets.
- White-Glove Recovery: Specialized for high-value units and complex jurisdictions.
- Deep Skip Tactics: Recover 200+ day past-due accounts using proprietary methods.
- Fraud & Compliance Controls: SCRA, Bankruptcy, FDCPA, and Reg F checks built in.