Great! Just invest $4.5 million, wait 2 years, and pray you survive.
Or check each customer manually for 4 hours. Your choice!
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. 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.
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.
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.
We already handle that. You just pay when you need it.