Custom CRM Development Solution

Objective

The aim of creating The Credit Pros app is to educate the clients by assisting them in understanding their credit report and score well. Besides, the whole procedure is streamlined in nature due to CRM capabilities and helps the customers in getting credit-related services such as credit reports, credit score, credit analysis, credit repair progress all at one platform. What’s more, the app will be beneficial for the clients as they can get the approval of loans and other credit applications in easy and swift mode.

Solution

We assist the customers by providing them a single online platform where the clients will get all the relevant information about the credit report in the most accurate way. Besides, our custom CRM application will assist the customers in proper handling of their credit scores, manage their budgets, and find a suitable solution for the credit frauds faced by them. We also worked on SaaS model so that other companies with same features could avail the given services and provide satisfaction to their customers.

About Company

The Credit Pros is the fastest growing American financial technology firm which commits itself to fulfill customers’ service by improving their credit related issues. It has been listed by the Inc. Magazine as one of the 50 best placed to work in the USA. It is BBB Accredited with an efficient “A+” rating.

It has the expertise that helps the customers by successfully preventing them from any credit related frauds. With the provision of free consultations in multiple languages, it educates their clients by imparting training to get accustomed to the working of the credit system and take necessary steps to improve their credit score.

Key features

  • Easy to Read Credit Report
  • Personalized Score Insight
  • Free Tools and Tips to understand Credit Score
  • 24/7 Access
  • Valuable Services at No Additional Cost
  • ID Theft Restoration and Insurance
  • Action Plan from Certified FICO Professional
  • Provision of Credit Education Tool
Tools & Technologies
  • Codeigniter
  • PHP7
  • Angular JS
  • SmartyStreet
  • SOAP
3rd Party APIs
  • Transunion
  • Sales Force
  • Amazon S3
  • AWS
  • Power Wallet
  • Sendgrid
  • Desk.com
Frontend UI/UX Design for The Credit Pros

Angular JS is a client-side technology which is two-way binding, based on MVC structure and comes with a robust set of test runner. With the help of Angular JS, we have designed a completely customized theme from scratch and have successfully integrated with the given application. Dream Cyber Infoway has been able to meet the expectations of their customers by providing them with solution for all the credit related queries at one platform.

The solution we came up is on a new concept with the three essential models described below:

A. Customer Onboard Process

The Credit Pros has a team of sales executives that contact with the client to initiate the on-boarding process. The system is integrated with Salesforce CRM, where information of customers are registered and forwarded to custom CRM for further processing.

After that, custom CRM sends an email to the client with login credentials. Customers are then allowed to complete the on-boarding process by filling out a questionnaire set-up by Transunion API.  

B. Transunion Interview

After payment and login, the client has to face interview by going through four essential phases:

  1. Agreement to be signed digitally by clients

  2. Personal Information Update

  3. Address Verification through SmartyStreet API Integration

  4. Transunion Authentication by Social Security Number (SSN). The questionnaire is generated by Transunion API, which verifies the authentication of the customer’s personal information. After successful authentication, the report is fetched by the system.

  5. Publishing Items by fetching inquiry, credit items, and public reports


C. Client Dashboard

After the completion of the interview part, all the details related to the credit information are redirected onto the dashboard. After that, a credit score, credit analysis, credit repair progress, and derogatory account mix are displayed to the client so to take necessary step to bring improvement in their credit score.

Backend Design for The Credit Pros

Software applications are like tips of an iceberg where only a portion i.e., frontend is visible to the viewer. Nonetheless, the major part remains in mystery and elusive and unknown to the world in the form of backend design.

In the case of The Credit Pros App, backend design is based on Customer Relationship Management, where the significant improvements in the credit reports of the clients are accomplished in a secret manner! Backend is a portal, which effectively manages the client's data and provides accurate results about their credit score.

Codeigniter is used to write codes for backend design, which is an open-source, cost-effective, and easy to use web application framework. With the help of an effective Backend design, Dream Cyber has successfully meet their customers’ expectations by providing precise information about their credit report.

The crucial procedures leading towards active backend development are:

A. Role-based Login

Unlike frontend, the login process in the backend is different as admin, clients and managers have their own accounts to access the information about the credit report.

B. Dashboard

After successful login, a dashboard appears where the statistics about the current states of the clients, leads, items, and partners are displayed successfully.  

C. Client Tab
  • This section reveals a list view of the clients who are enrolled with The Credit Pros. The software displays a list of the clients as active, on-hold, past due, and cancelled clients. There are various functionalities associated with the clients which are presented as filters:

  • Import Functionality such as CSV or Excel File

  • Provision of Sending SMS/e-mails

  • Searching Filters

D. Client Panel

It contains detailed view about the clients and is presented as:

Home: Personal and basic information about the client is displayed

Progress: Status of the credit bureaus, namely Transunion, Experian and Equifax about the credit score is shown via graphical representation using a line graph. Stats of negative and deleted items are conveyed on a pie chart

Notes: It is a type of notification where an admin provide necessary information to the clients via SMS and e-mail.

Items: It contains detailed information about the items (positive, negative, deleted, and repaired). Besides, negative items from Transunion report is displayed in this section. It contains various functionalities:

I. Notes: It sent all the general or item-specific information to the clients

II. Letter Generator: From this section, information about the items is provided to the credit bureaus. The further procedure includes the reduction of the negative items from the credit report until a given time.

Action Plan/Review: An audit process is conducted here for improving the credit score. It contains frames where negative and deleted items are calculated, and an audit will be generated.

Besides, a review is generated from the Transunion report, which contains negative and deletes items. The review procedure helps the client to remove these items to increase their credit score.

Letters: It contains information about the negative items and is an acknowledgment of clients towards the admin.

Tasks: Users of The Credit Pros are assigned with some piece of work or task so to accomplish the incomplete objectives.

Portal Menus: In this section, pages/ menus are managed for the frontend.

Logs: It displays two sections, namely; e-mail and SMS. In the e-mail lists, all the mails arriving towards the clients are posted. In the SMS lists, all the SMS sent to the clients is shown.

Documents: This section contains two important lists called document and agreement lists. Document lists contain the personal identity of clients which could be uploaded from frontend and backend. Agreement lists manage the agreement made during the interview section of the frontend. The users could be assigned with new agreements or delete the old agreements at any time.

Achievements

The clients can get removal or deletion of the negative items from their credit score with a valuable suggestion for decreasing its overutilization in the form of an efficient credit report. This helps them to improve credit score and provide them with utmost satisfaction.