Explaining Scratchpay
When a patient applies for Scratchpay, is there an effect on their credit score?
Checking to see what a patient qualifies for and accepting a Scratchpay plan will not affect their credit score. If the patient signs the promissory note for one of Scratchpay’s 12 or 24 month plans, one hard credit inquiry will be made. The Take 5 plan option never includes a hard inquiry.
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What will my patient see when they apply for Scratchpay?
They will see all plans for which they qualify for, or if they do not qualify, they will receive a denial notice. Please note that while we do our best to approve as many applicants as possible, not all patients will qualify for all (or any) plan types.
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My patient says they were denied, and they want to know why. What do I say?
To protect the patient’s privacy, we cannot tell your practice why the patient was declined. We do send every declined applicant an email explaining the decision. There is also contact information on that email that the client may use to obtain more information on our decision.
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My patient hit the “Accept and Submit” button, but I don’t see their plan in my dashboard?
There is a chance that your patient potentially selected the wrong practice in their application. Please email or call our support team, and they will help you locate the plan:
* Email: support@scratchpay.com
* Phone: 855-727-2395
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What are the differences between Scratchpay and other options for financing?
A few key things that set us apart from other options for your patients:
* No hard credit check to see what they qualify for – this is different from most other options on the market.
* Scratchpay is not a credit card product - we're a payment plan product. Diversifying the types of financial products a client has can ultimately be beneficial to one's credit score in the long term.
* Some of the highest customer satisfaction in the game! Our Net Promoter Score (common measure of customer satisfaction) for your patients is higher than 95% of Fortune 500 companies!
* Digital-first solution - no paperwork, no problems. Your patient can manage their entire payment plan without paperwork or need to go out and purchase stamps to mail something to us.