How credit pull alerts work
Credit pull alerts (sometimes called credit-trigger alerts or credit-check alerts) monitor your past-client database for credit inquiries from other lenders. When a past client shops a new mortgage with a competitor, the inquiry shows up in their credit report. The alert system sees it within 24-48 hours and notifies you. You call before the competing lender locks the loan.
The TransUnion-powered data feed is the underlying source for most credit-alert systems. The difference between vendors is how the alert gets routed into your CRM and workflow.
Native vs add-on: the structural choice
Native (BNTouch Credit Check Alerts)
The alert system lives inside the CRM. When an alert fires, the contact record updates, the campaign trigger fires, and the loan officer sees the next-step task. One platform, one data source, one workflow. Pricing: $0.10-$0.20 per monitored record per month, no setup fee.
Add-on (MonitorBase, Sales Boomerang / TrustEngine)
The alert system is a separate product that pushes alerts INTO whatever CRM you use. You pay for it separately, configure it separately, maintain the integration separately. When the alert fires, it triggers a notification that you then act on inside your CRM. Typical pricing: $0.30+ per record, plus setup, plus per-CRM integration fees.
When each one wins
Native (BNTouch) wins when:
- You want one platform for CRM + credit alerts + follow-up campaigns
- You want lower total cost (no separate vendor fees)
- You want to monitor a specific segment of your database, not all of it
- You want same-day setup, not a 4-6 week integration project
Add-on (MonitorBase, Sales Boomerang/TrustEngine) wins when:
- You are locked into a CRM that does not have native credit alerts and switching CRMs is not on the table
- You already have an enterprise CRM contract you cannot exit
BNTouch Credit Check Alerts feature detail
- Monitor a segment, not the whole database: choose which past clients to monitor. Most CRMs force all-or-nothing.
- No minimum seats: solo LOs can monitor 100 past clients without buying a team plan.
- Alerts in dashboard + email: see the alert when you log in OR get pushed to email.
- One-click call/text from alert: from the alert, dial or text without copying contact info anywhere.
- Automated re-engagement campaigns: 400+ pre-built campaigns that fire on alert. Or build your own sequence.
- Same-day setup: enable monitoring on day 1 of BNTouch use. No 4-6 week integration.
The math
For a LO with 500 past clients, monitoring all 500 at $0.15/record = $75/month or $900/year. Industry average credit-pull-to-refi conversion rate is 5-10% on alerted contacts. Even at 5%, that is 25 refi opportunities per year from monitoring alone. At average refi commission ($3,000-5,000), one closed refi covers 3+ years of monitoring.
Frequently asked
Is BNTouch Credit Check Alerts TransUnion-based?
Yes. The underlying data source is TransUnion-powered, with mortgage-specific filtering. Daily monitoring across your selected past-client segments.
Can I run BNTouch credit alerts without using BNTouch as my full CRM?
Credit Check Alerts is built into BNTouch. To use only the alerts without the full CRM, your alternative is MonitorBase or Sales Boomerang/TrustEngine, both of which work alongside any CRM. The native BNTouch implementation is most efficient when you also use BNTouch for past-client follow-up campaigns.
What is the difference between Sales Boomerang and TrustEngine?
Same product, two names. Sales Boomerang was acquired by Customer Mobius in 2023 and rebranded to TrustEngine in 2024. Both names still appear in searches because the customer base and integration directories are mid-transition.
