Great! Just invest $4.5 million, wait 2 years, and pray you survive.
Or check each customer manually for 4 hours. Your choice!
Or just use SimpleCheck's instant credit qualification and close deals in 3 seconds.
Plus you need 100,000 customers EVERY MONTH or you still pay!
Cost: $3,900,000/year MINIMUM (100k reports/month required)
Experian, Equifax, and TransUnion have a dirty secret: They only work with companies doing 100,000+ consumer reports monthly. That's $325,000 EVERY MONTH in commitments. Selling solar panels? Home improvements? Medical procedures? Too bad - you need Amazon-level volume or they won't return your calls. Most B2C companies never hit 1,000 sales/month, but you'll pay for 99,000 phantom reports anyway.
You'll NEVER hit 100k customers/month (but you'll pay like you did)
Let's do the math: To use 100k reports, you need 100,000 customers. Even with a godlike 50% close rate, that's 200,000 leads monthly. Got that kind of traffic? Didn't think so. Month 1 with your 47 customers? You owe for 99,953 unused reports. The bureaus designed this for Capital One, not you.
Cost: $200,000+ just to not get sued
Consumer credit = Fair Credit Reporting Act = lawyers getting rich. You need permissible purpose docs, adverse action letters, dispute resolution processes, 7-year data retention, security audits, state-specific requirements... One mistake and the FTC hits you with $43,792 PER VIOLATION. That unhappy customer you declined? They can sue for $1,000 + legal fees.
Cost: $500,000+/year (and they'll quit)
Bureau APIs look like they were designed in 1987 (because they were). You need engineers who understand: XML parsing (yes, XML), tradeline decoding, soft vs hard pulls, tri-merge logic, FICO vs Vantage scores, metro codes, ECOA codes, and SSN validation without storing SSNs. Good luck finding them.
Your competitors ate your lunch
24 months to build = 24 months of competitors using SimpleCheck closing YOUR customers. While you're debugging bureau APIs, they're making sales with instant credit decisions. While you're in legal meetings, they're cashing checks. You'll launch to a market that forgot you existed.
Total Investment: $4.5 MILLION + your sanity
Congrats! You spent $4.5M to check if people can afford your $10K product.
Perfect if you hate money and love losing sales!
Your average sale: $5,000-$25,000
Manual check time: 4+ hours
Cost per check: $120 + employee time
Customer attention span: 15 minutes
They're already buying from someone using SimpleCheck's 3-second credit check.
Plus 2 years of development
100k/month minimums
Whether you need them or not
Instant credit decisions
No minimums
Pay as you go
Checking 1,000 B2C customers:
SimpleCheck: Pay per use only
Save 99%+ vs building yourself
Plus you actually close the sales because you respond instantly.
So you don't have to waste $4.5 million:
We handle the 100k/month minimums. You just pay per check.
Check credit while customer is still excited to buy
Works with HubSpot, Salesforce, Close.com instantly
Pre-qualify before sales calls. Only talk to qualified buyers.
Proper consents, adverse action, disputes - all handled
Check 1 or 10,000. Pay only for what you use.
Everything you need to know about B2C credit qualification
Building your own B2C credit infrastructure costs $4.5 million or more, including $3.9M/year minimum bureau commitments (100k reports/month required), $200K+ for FCRA compliance, and $500K+/year for engineering. SimpleCheck eliminates these costs with pay-per-use pricing and no minimums.
SimpleCheck is a B2C credit qualification platform that provides instant credit decisions in 3 seconds. It integrates with CRMs like HubSpot and Salesforce, handles FCRA compliance automatically, and has no minimum volume requirements. Perfect for solar, home improvement, auto sales, and high-ticket B2C industries.
Experian, Equifax, and TransUnion designed their direct partnerships for enterprise companies like Capital One that process millions of reports. Most B2C companies never exceed 1,000 sales/month, making direct bureau relationships impractical. SimpleCheck aggregates volume across clients to eliminate minimums for individual businesses.
SimpleCheck serves high-ticket B2C industries including solar installation ($15k-40k), home improvement (windows, roofing, pools), auto sales (cars, RVs, boats), medical procedures, education (bootcamps, courses), and luxury goods. Any business selling $5,000+ products to consumers benefits from instant credit qualification.
Yes, SimpleCheck handles all FCRA compliance requirements including permissible purpose documentation, proper consent collection, adverse action letters, dispute resolution processes, and data retention. This eliminates the $200,000+ legal costs and $43,792 per-violation FTC fines that come with DIY solutions.
You can start qualifying customers with SimpleCheck the same day. No lengthy integrations, no bureau negotiations, no legal setup. Just sign up, add the widget or API to your workflow, and start getting instant credit decisions on every lead.
Your competitors are closing deals while you're still pulling credit
Start Qualifying B2C Customers Instantly →No minimums • Pay only for what you use • Instant results
Remember: The bureaus require massive minimums.
SimpleCheck already handles that. You just pay when you need it.