Should I pull a patient’s credit score before presenting financing on a big implant case?
Yes, and do it before you ever open your mouth about third party financing. Here is why. The financing company is going to run that same number, and a computer makes a cold, fast decision. If the score is weak, they say no, and there is nothing you can do about it. So if you pitch outside financing first, you have set the patient up to get rejected in front of you, and now you both feel awful. Pull the score early. If it looks bad, skip the financing speech entirely and steer toward family, a co-signer, or other people in the patient’s life who help carry the cost. You are not wasting breath on a door you already know is locked. Do the homework, then choose the conversation that can actually land.
If the answers you are finding here resonate with you, my team and I work with a small group of clients each year. The next step is a complimentary Discovery Consultation and Practice Review with Dr. McAnally.