"Yes we can, however we just need to update a few things with our lending department. If you have a few minutes, I can connect you with the loan advisor."
"Not a problem at all! In fact, many of our customers weren’t interested at first,
but they changed their minds once they found out they could qualify for an unsecured personal loan of up to $75,000 with fixed interest rates between 4.9%–12.9%."
No hard credit checks No obligations No cost to see what options are available
"Now, do you currently have any high-interest balances you’d like to pay off?"
"Oh, okay! Sorry for the mix-up. My name is " " with Secure One. We’re reaching out to help people with unsecured debts. We offer personal loans with low fixed rates. Would you like to see what options might be available for you?"
NOT ALL AT ONCE!
First time: "It looks like we sent you something by mail, and we're just following up before the offer expires."
Second time: "You met some of the basic requirements that we look for to establish communication with you via mail or phone."
Third Time: "You may have at one point made an inquiry online, and we're just following up before the offer expires."
"I think you're actually going to be ok, because we are not like many lenders where all they care about is one thing like a credit score."
"We use compensating factors, which allows our underwriting to approve based on many different things."
"We don’t do any hard credit checks, but we will perform a soft credit check, which only requires the last four digits of your Social Security number to issue a decision."
This is a personal loan to pay off unsecured debt, any money left over you are able to use to your discretion.
¿Me pudiera proporcionar el número de teléfono al cual le marcamos inicialmente para verificar si usted es uno de nuestros clientes?”
“Por el momento estamos trabajando en brindarle un mejor servicio en español, nuestro personal se comunicara con usted lo mas pronto posible. --- gracias”
"I understand your concern and respect that you're being cautious."
"We did in fact actually mail you an offer that we are following up on before it expires."
"The loan advisor will typically send their email with credentials so you can verify through credible sources yourself."
Welfare General Relief Public Assistance Allowance Foster Care
When the customer mentions that they are in Chapter 13, Chapter 7, 9, 12, 11, or 15, that means they filed for bankruptcy and are in that process. We cannot help them at all until their bankruptcy has been discharged.
Make sure you ask:
"Has it been discharged in the last 2 years?"
If the Loan Advisor is unavailable after 45 seconds on the first attempt, please set up a SOF callback.
📞 If you receive an answering machine, no ring, or busy on the first attempt, try one more time to reach a Loan Advisor.
📱 On the second attempt, if you still get an answering machine or experience connection issues, go ahead and set up the SOF.
✅ Inform the customer:
"We'll be calling you back from a 949 number within the hour."
⚠️ Make sure to get an OK from the customer before proceeding.
📌 Post all SOF callbacks in the SOF channel and include:
"Advised callback within a hour from a 949 number" Tag the 949 SOF 🏠 If the address needs updating, be sure to include that as well. @here
"Great question! The loan advisor and the lending department use compensating factors."
"The phone call should take no longer than 4 to 5 minutes, just so they can update your application and provide you with loan results."
"We are actually preapproving you based on some basic requirements you’ve already met.
Our marketing department filters individuals who meet the necessary credit criteria through the credit bureaus.
From there, we send out preapproved loan offers via mail. This process helps us determine who qualifies for the next step in receiving a final offer."
"We don’t look at just one factor or a certain credit score."
"We use compensating factors, which means our underwriting considers multiple factors — not just your credit score."
We are a private lending company We lend you the money, and you make your payments on your own. Our loan Adviser will review and provide all available options for you.
Credit Cards Student Loans "That are Private only" Hospital Bills Utilities Other Personal Loans
Car House Boat Motorcycle RV's Trailer's 18 Wheelers Mobile Home Trailer Business Cars Taxes IRS Child Support To Pay The Rent Heloc---Home Equity Loan
Student Loan = Government-funded or federal Government/federal-funded loans
Team, for this call scenario, it is very important to ask the bankruptcy question to both:
The person being transferred. The household income earner.
Agent: Do you have a source of income?
Customer: My spouse is household income.
Agent: OK, any bankruptcies in the last 2 years?
Customer: No.
Agent: Great, has your spouse been in any bankruptcies in the last two years?
Customer: No.
→ Then move on with the script.
📌 Reminder: Make sure we fully understand this call scenario and put this feedback into practice on every call moving forward. Ask the bankruptcy status for both parties involved. This will lead to an Invalid disposition if it is not asked. Team, let's get it. Any questions, please reach out to QA.
How do you re-disposition a call?
1. Find the lead information from the Search or History tab. 2. Click on the lead. 3. Go to the top right corner and click "More." 4. Select the option that says "Redisposition." 5. When the pop-up appears, check the box next to "Modify lead status." 6. Choose the correct disposition. 7. Click the "Redisposition" button.
I do apologize for the inconvenience. I will DNC your number. Have a good day.