Verify First, Chase Less: How DataTrue Helps RTO Dealers Make Smarter Deals with Dan Jobrack

Send us Fan Mail One wrong address. One recycled phone number. One “upgrade” that turns into a first-payment disappearance. Those small details can snowball into charge-offs, truck rolls, and weeks of wasted collections effort. I sit down with Dan Jobrak from Data True to get practical about how rent-to-own operators can protect the business without slowing down the counter or treating every customer like a suspect. Dan walks us through what Data True actually does, why it was built as live data verification instead of a “garbage in, garbage out” database, and how front-end verification helps clean up information while the customer is still in the store. We talk about the loss patterns RTO teams see most often, including first-transaction defaults, reactivations after 60+ days, and those risky upgrade deals where the payment history looks good until it suddenly doesn’t. Then we shift to the back end: skip tracing tools like Pursue, newer options like SkipFind Plus for tracking old charge-off files, and Alert One as an early warning system that flags repeat shoppers moving across locations or even across cooperating companies. We also get into the shed rent-to-own market, why higher ticket sizes raise the stakes, and how instant criminal background checks can speed up hiring so you don’t lose great candidates to slower screening. Subscribe for more RTO operations and collections strategy, share this with another dealer, and leave a review if it helps. What’s the biggest risk point in your process right now? APRO Association of Professional Rental Organizations Wow Brands Digital Marketing for the RTO industry - Including Web design, SEO, ad, and much more under one roof Disclaimer: This post contains affiliate links. If you make a purchase, I may receive a commission at no extra cost to you. Support the show Join The RTO Newsletter: https://bit.ly/RTOPODnewsletter Subscribe on Apple: https://apple.co/4wpbUqF Subscribe on Spotify: https://bit.ly/RTOPODspotify Learn More About Sponsorship: https://bit.ly/RTOPODsponsor