DOWNERS GROVE, Ill. -

CreditMiner, the solution provider that pre-qualifies and pre-screens consumers on Experian, TransUnion and Equifax credit bureau platforms, recently added a former Equifax executive to its leadership team.

Garth Cappy, former director of dealer enterprise relationships for Equifax, joined the CreditMiner as vice president of credit services for North America, overseeing the North American credit services operations for the company’s automotive vertical.

“The addition of Garth to our team solidifies our standing, growth, and commitment in the retail automotive sector. Our culture at CreditMiner is dealer centric, since most of the partners and executive staff come from the dealer space as either an owner, operator, or operational management,” CreditMiner general manager Don O’Neill said.

“Garth brings the entire skill set to the table with OEM, dealer and Equifax experience already under his belt. The big winners here will be both our enterprise vendor and dealer clients,” O’Neill added.

Cappy began his journey in the automotive retail vertical in 1984, with American Motors Corp., which was later acquired by Chrysler. Cappy served as the Western regional sales manager for Chrysler where he oversaw eight sales managers and achieved record sales of $120 million in auto accessories and aftermarket audio sales.

In 1994, Cappy crossed the bridge from OEM to dealer and acquired Buford Auto Plaza, a $46 million automotive dealership. He improved and maintained the CSI by implementing customer-oriented sales and service management techniques and retaining a team of committed sales people. He then went on to work as owner and general manager of Kia Mall of Georgia, a $30 million dealership, where he grew company sales and profits while minimizing overhead.

After consulting various entities in the automotive space, Cappy joined the Equifax automotive team in 2013, where he oversaw the direct to dealer vertical for credit services, and exceeded an assigned revenue quota of $44 million.

“Garth adds another dimension to our dealer offerings. With his vast knowledge and understanding of the credit space for dealers, we can continue to innovate and disrupt this vertical with game changing technology,” O’Neill said.

Commenting on his new position, Cappy stated, “I’m thrilled to be joining the innovative team at CreditMiner. This is a company that understands the importance of technology integration for Dealers, in a way enhances not only dealer profitability, but the overall consumer experience as well.”

CreditMiner’s proprietary BASIS2 software platform can provide the industry with permissible bureau data, including up to five auto loan summaries, current payment data, auto loan balances, cosigner participation, and revolving debt data.

CreditMiner can give franchised and independent dealers a “true credit snapshot of their prospect,” allowing them to match the right vehicle to the right customer with the right financing.

“It has zero impact on the consumer’s credit score and is fully Fair Credit Reporting Act compliant,” the company said. “The ‘soft pull’ now also includes full file results, the same information that can be seen on a hard pull of credit.”

CreditMiner will be demonstrating its full suite of products and services at the upcoming convention hosted by the National Automobile Dealers Association on March 31 through April 3 in Las Vegas.

For more information, contact CreditMiner at (877) 213-7042 or visit www.ecreditminer.com.