CreditMiner Announces Former Equifax Exec Garth Cappy Heads North American Credit Services

Automotive industry leader in credit services CreditMiner, today announced the addition of former Equifax Exec Garth Cappy as VP of Credit Services North America.

CreditMiner™, the auto industry’s only real-time solution provider that pre-qualifies and pre-screens automotive consumers on Experian, TransUnion and Equifax credit bureau platforms, today announced that Garth Cappy, former Director of Dealer Enterprise Relationships for Equifax, has joined the CreditMiner executive team. Cappy will serve as VP Credit Services, North America, overseeing the North American Credit Services operations for the CreditMiner, LLC 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,” said Don O’Neill, G.M. of CreditMiner, LLC. “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 Corporation, which was later acquired by Chrysler. Cappy served as the Western Regional Sales Manager for Chrysler Corporation where he oversaw eight sales managers and achieved record sales of $120M in auto accessories and aftermarket audio sales. In 1994, Cappy crossed the bridge from OEM to dealer and acquired Buford Auto Plaza, a $46M automotive dealership. He dramatically 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 $30M automotive 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 $44M.

“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 BASIS2SM software platform provides the industry with permissible bureau data, including up to 5 auto loan summaries, current payment data, auto loan balances, cosigner participation, and revolving debt data. CreditMiner gives franchise and independent dealers a true credit snapshot of their prospect, allowing them to match the right car, to the right customer, with the right financing, every time. It has zero impact on the consumer’s credit score and is fully FCRA compliant. 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 NADA Dealer Convention March 31 – April 3, 2016, in Las Vegas, Nevada, at booth #5950N. For more information contact CreditMiner at: 877-213-7042, or visit

About CreditMiner:

CreditMiner is a credit-centric data provider to the automobile industry. It provides both hard inquiry and application compliance and is the only real-time pre-screen and pre-qualification technology re-seller representing all 3 major credit bureaus. Auto dealers can complete a vehicle finance transaction within CreditMiner’s BASIS platform while never collecting SS# or DOB. Its proprietary database of over 200 million consumers allows dealers to utilize big data to precisely target consumers, while providing a road map for engagement specific to each individual consumer they engage and their current economic situation.


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