Interpreting FlexPath Lead Details and Credit Information

Overview

FlexPath leads contain significantly more information than a standard form submission. Each lead reflects verified identity data, credit outcomes, shopper engagement, and source attribution — all of which help your team assess purchase intent and prioritize outreach. Understanding how to interpret these data points is essential for maximizing lead value and driving higher conversion rates.

What's Included in a FlexPath Lead

Depending on shopper activity and the permissions assigned to your user account, each lead may include the following fields:

• Customer Information: A snapshot of data captured during the shopper's session, including name and contact details.
• Eligibility Score: A truncated version of the shopper's FICO score. Full FICO details are available to users with credit bureau access permissions.
• Full Credit Profile: A link to the shopper's complete credit report, accessible only by authorized users with soft pull data permissions.
• Most Important Recent Interaction: The key action that defines the lead's category — such as identity confirmation or a CTA click.
• Latest Activity: The most recent action taken by the shopper, which may differ from the defining interaction.
• Activity Source Information: Details on where the lead originated, including the CTA type and placement (website page or campaign).

Lead Scenarios: Understanding Lead Types

FlexPath categorizes leads based on how far a shopper progressed through the VeriQual™ workflow. Each lead type provides meaningful signal about shopper intent and qualification status.

No Pull Leads

These leads indicate early engagement where the shopper did not complete identity confirmation. No credit inquiry was initiated.

• Unconfirmed Identity: The shopper entered a phone number and completed the one-time passcode (OTP) step but did not confirm personal information.
• Verified Phone Number Only: The shopper verified their phone number but took no additional action. No identity or credit information could be confirmed.

No Hit Leads

• No Credit Profile Found: The credit bureau was unable to locate a matching credit file for the shopper.

Important: A No Hit does not indicate that the shopper is unqualified. It simply means no credit file was returned. These leads still warrant follow-up.

Standard / Successful Pull Leads

These leads reflect a verified identity with varying credit outcomes or levels of engagement.

• Thin Credit File: A credit match was returned, but the shopper has limited or no established credit history and may not have a FICO score.
• Credit Freeze: The shopper's credit file is frozen and cannot be accessed. The shopper must remove the freeze before prequalification can continue.
• Prequalified Financing: The shopper verified their identity but did not proceed further in the flow.
• Payments Shown (SVP): Available for Single-Vehicle Payment integrations only. The shopper verified their identity and viewed payment options for a specific vehicle but did not submit or continue.
• FICO Too Low: The shopper's score falls below the minimum threshold configured during onboarding.
• Bankruptcy Too Recent: The bankruptcy date is more recent than the threshold defined during onboarding.
• No Prequalified Financing: The shopper did not qualify based on configured lending criteria.
• No Payments Available for Vehicle: Based on the shopper's credit profile, no payment options are available for the selected vehicle.
• Non-Specific Match: Multiple matching credit profiles were identified. The system prompts for SSN or DOB to refine the match. These leads are displayed separately from No Hit leads.
• Unable to Prequal: Used when disqualifying conditions are present, such as the shopper being a minor, fraud alerts being present, or other disqualifying factors. These leads include an alert explaining the reason.

High-Engagement Leads

These leads indicate strong purchase intent. The shopper verified their identity and took one or more of the following actions:

• Clicked for directions
• Clicked to call
• Clicked to text

Note: High-engagement leads should be prioritized for follow-up. However, standard and partial leads can still convert and should not be overlooked.

No Name Leads

A No Name Lead occurs when the shopper provides a phone number but exits before confirming their name. If a credit match is not returned, FlexPath prompts the shopper to provide a name. If the shopper exits at that point, the lead is sent without a name. FlexPath holds the lead for up to five minutes to allow the shopper to return and complete the flow. If they do not return, the lead is sent as-is — because a verified phone lead carries more value than no lead at all.

Lead Updates and Post-Submission Activity

If a shopper returns and continues engaging after their initial submission, an updated lead will automatically be sent to your CRM to reflect the most recent activity. There is a five-minute hold period to allow for continued engagement. Updates triggered by end-of-funnel CTAs — such as call, text, or directions — are sent immediately.

Note: CRMs often source leads based on the original engagement date, which may result in what appear to be duplicate entries. FlexPath leads include more detailed engagement and qualification data to support downstream follow-up and accurate reconciliation.

Lead Detail Viewing Privileges

Access to lead information in the FlexPath Portal is governed by the permission level assigned to each user. There are four levels of access:

Important: Users must be explicitly granted permission to view soft pull credit data. Regularly review user access to ensure only active team members can view sensitive lead information.

Leads List View

After selecting Get / Refresh Data in the Leads section of the portal, a detailed list of leads is generated. Each entry includes:

• Prospect Name
• Lead Type
• Initial Send Date: When the lead was first sent to your CRM
• Last Updated: Any post-submission activity recorded after the initial send

You can filter leads by Newly Created or Last Updated, and set a date range to narrow results. Test leads can also be filtered out to ensure reporting reflects real customer activity.

Best Practices for Lead Interpretation

• Ensure your team understands VeriQual™ data points and how to apply them when engaging with credit-qualified leads.
• Confirm that all relevant team members have active portal logins and appropriate access levels before reviewing lead data.
• Prioritize high-engagement leads, but maintain consistent follow-up processes for standard and partial lead types.
• Periodically reconcile lead counts in your CRM to ensure accuracy, accounting for update submissions tied to the same original engagement.
• Review and update user access regularly to ensure permission levels remain aligned with each team member's role.

Summary

FlexPath leads carry meaningful data beyond a name and phone number. By understanding each lead type — from No Pull through High-Engagement — and aligning access permissions to each team member's role, your team is better positioned to interpret shopper readiness, act on verified credit signals, and drive more efficient follow-up workflows. For additional training or support, contact support@flexpathdxp.com to schedule a session with a FlexPath Subject Matter Expert.