At IFMG we can filter leads based on credit in real time. Because of our lending arm (yes, we buy deals in Illinois) we have permissible purpose and aren't at the mercy of waiting on a third party to score leads for us. Our intelli-LEAD filtering system goes beyond just credit scoring and also performs multiple fraud checks. Check out our site for more details (http://www.carloanco.com/products-and-services/auto-finance-leads/). I'd love to chat with you about what you're seeing in the industry right now and your goals for next year, give me a call at 804-521-8581 or email firstname.lastname@example.org.