Collateral Score

Single-call collateral risk assessment for lenders. Returns market values adjusted for mileage and the ZIP's region, a depreciation forecast at 12/24/36/48 months (and at loan maturity), the vehicle's depreciation percentile within its vehicle class, title brand and odometer flags, open stop-sale/do-not-drive recalls, and a risk tier (A–D) with a suggested maximum LTV. Every value traces to a source: anything the score could not see is null and listed in data_gaps, and forecasts past the depreciation curve's data are null, never extrapolated. Available on request; contact sales to enable it. The example VIN 3TMKB5FNXRM012539 is free and never counted.