Your Underwriting is What Makes ADR Safe

The safety of the ADR Challenge is based on the individual credit union's underwriting practices. Credit unions currently doing safe balance transfers use their standard underwriting procedures, vetted through internal scrutiny and regulator examinations.

To provide additional safety features, ADR offers referrals to:

1. Brookwood Capital for card portfolio risk and profitability review to evaluate the health of a credit union’s current portfolio.
2. Responsible Debt Relief Algorithm as a new means of precise and accurate credit card underwriting from Filene Fellow, Robert Manning PhD.

Additionally, the ADR Challenge strongly encourages credit unions to use their underwriting to identify and serve good members, with good credit and repayment history that are currently being taken advantage of by profit-maximizing mega-banks’ default rates.

Safe Balance Transfers

The ADR Challenge is proud to offer the most objective and statistically precise underwriting system available to credit unions, the Responsible Debt Relief (RDR) Algorithm by Filene Fellow Robert Manning PhD. RDR can accurately calculate the repayment capacity of a credit union's members and potential members interested in transferring their balances based on numerous, specific variables. It limits the likelihood of bad debt from transferring into your credit union while helping you to help the consumers you can't serve directly by sending them to a credit counselor. Contact us to learn more.