The problem with equity predictions

A deal from years ago cannot tell you who can buy.
Yet most equity tools still work from that assumption.

GRIP verifies every customer's position with their current credit balance.
That means your team works the customers who can actually trade today.

Your equity list was built on a deal that may not exist anymore

Here's how most mining works — it takes the original deal from your DMS, sometimes three or four years old, and projects it forward as if the customer froze in time.

Data decay

Customers total cars, pay off early, refinance, move away or trade somewhere else. So your salesperson calls about equity in a vehicle the customer no longer owns, and the list quietly trains your team to stop trusting it. Even when the car is still in the driveway, equity alone doesn't tell you who can move, because a customer can hold real equity and stay put when a newer car at today's rates pushes the payment past what they will accept.

Without today's credit and payment in the picture, you're guessing.

GRIP verifies the deal as it stands today

Before a name ever hits your list, GRIP checks whether the deal is still real. Does the customer still own the car? Is the payment still what they signed for, or did they refinance or pay it off? GRIP builds a present-day snapshot instead of trusting a number from years ago. It isn't a crystal ball. But it gets you far closer than estimating off a deal that's three years stale, and a more accurate list converts better.

Buying power

GRIP scores each customer on credit, equity, and the payment they can actually carry. That is buying power, and it is what separates a name from a deal. The ones who can trade into something newer without raising their payment rise to the top of Today's Action, ranked, with the deal already framed.

The buyers were already in there

The opportunities GRIP surfaces aren't new leads. They're customers already in your database, the ones with the equity and credit to move now, found and worked instead of left to age. The agent reaches out about their car and their numbers, and books the ones who answer.

FAQ

How is this different from the equity mining I already have?

Most tools project an old DMS deal forward and assume nothing changed. GRIP verifies the present-day picture, whether the customer still owns the car and whether the payment still holds, then adds live credit and payment capacity. You get a current list of buyers who can actually move, not names attached to deals that may be long gone.

What is equity mining?

Equity mining scans your customer database for owners with enough equity to trade into a newer vehicle. The catch is that most tools estimate from a years-old deal. GRIP verifies it's still true today, then adds live credit and payment, so the list is people who can actually move.

Does mining my database pull hard credit?

No. It's a soft pull, no SSN and no score impact. The credit bureau handles the verification, so your customers are never affected.

Turn buying power
into motion

Get started Talk to us