Auto Dealer Insights
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RTO Underwriting Beyond Credit Scores: Building a Resilient Portfolio
Traditional credit scores often fall short for Rent-to-Own (RTO) customers. Discover how to build a robust underwriting process focused on stability, capacity, and behavioral insights to create a resilient and profitable RTO portfolio.
Joshua Aaron
01/20/2026
Navigating State-Specific RTO Laws: A Compliance Checklist for Dealers
The Rent-to-Own (RTO) landscape is a complex patchwork of state-specific regulations. This comprehensive guide helps RTO dealers navigate legal requirements, understand compliance pitfalls, and implement a robust checklist to avoid costly penalties.
Joshua Aaron
01/19/2026
BHPH Portfolio KPIs and Dashboards: What to Track Weekly (and When to Hold vs Sell Your Book)
In BHPH, portfolio performance is a weekly discipline, not a quarterly review. This guide defines essential KPI sets, dashboard structures, and critical decision points for holding versus selling your book in a changing market.
Joshua Aaron
01/18/2026
BHPH Marketing That Builds Trust: Credit-Building Messaging, FAQs, and Community Partnerships
Move beyond 'bad credit no problem.' Trust-based BHPH marketing, emphasizing transparent terms, stable payments, and credit-building opportunities, attracts customers who perform better and builds lasting community relationships.
Joshua Aaron
01/17/2026
GPS and Starter Interrupt in BHPH: Best Practices, Disclosures, and Operational Controls
GPS tracking and starter interrupt devices are powerful tools for BHPH risk management, but only when implemented with clear disclosures, explicit permissions, and consistent operational controls to ensure compliance and maximize effectiveness.
Joshua Aaron
01/16/2026
Repossession and Recovery Workflow for BHPH: From Delinquency to Remarketing (Without Losing Control)
Repossession is a complex process, not an isolated event. This guide defines roles, documentation, vendor coordination, and the critical handoff to reconditioning and remarketing, ensuring you maintain control and maximize recovery in BHPH operations.
Joshua Aaron
01/15/2026
BHPH Collections SOP: Scripts, Cadence, Hardship Programs, and Escalation Ladders
Collections outcomes improve dramatically when your BHPH team operates with a defined cadence, clear scripts, and well-structured hardship programs—intervening effectively before delinquency spirals into a repossession decision.
Joshua Aaron
01/14/2026
BHPH Payment Policies: Weekly vs Biweekly vs Monthly (and How to Reduce Delinquencies)
Payment frequency should directly align with customer paycheck realities. Discover how the right BHPH policy improves cash flow and lowers delinquency, provided your reminders and posting are disciplined.
Joshua Aaron
01/13/2026
BHPH Underwriting Scorecards: A Practical Framework for Approvals, Downs, and Terms
Underwriting consistency is paramount for BHPH success, protecting gross profit and mitigating discrimination risk. This guide provides a practical scorecard framework and essential exception controls.
Joshua Aaron
01/12/2026