Case Study: Soft Credit Pull Verification Within 120 Seconds Eliminates Spend on Unqualified Debt Calls

The Problem: Paying for Calls That Could Never Convert

A debt relief call buyer was purchasing inbound calls from third-party publishers and paying on a duration-based model.

• Average cost per billable call: $70
• Billing trigger: The call becomes billable after 120 seconds
• Qualification driver: Debt amount (self-reported by consumers)

The buyer’s debt settlement reps were spending nearly 10 minutes on calls only to discover the consumer did not have enough debt to qualify.

This created a costly double hit:

1. The buyer paid for the call once it crossed 120 seconds
2. The rep’s time was consumed on non-qualified conversations

On average, 50% of callers were not qualified.

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Why It Was Hard to Solve

Debt qualification isn’t always obvious at the start of a call. Even trained reps need time to:

• verify identity details
• uncover debt amount and type
• determine program eligibility

But by the time a rep could confirm the consumer wasn’t eligible, the call was already billable — and the rep time was already lost.

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The VeracityHub Solution

The buyer deployed VH AI Voice Agents integrated with the VeracityHub API, using a Soft Credit Pull to confirm debt qualification within the first 120 seconds.

How the workflow worked

1. A consumer called in from a third-party publisher
2. The VH AI agent collected basic info and intent
3. The system executed a VeracityHub Soft Credit Pull within the billable buffer window
4. If the consumer didn’t meet debt requirements:
   • the agent politely ended the call before 120 seconds
   • the call never became billable
   • no rep was tied up
5. If the consumer qualified:
   • the call routed immediately to a live rep
   • the buyer only paid for calls with verified qualification

Instead of relying on self-reported debt, the buyer used verified signals early enough to impact cost.

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Results: Only Paying for Qualified Calls

By verifying qualification inside the billing window, the buyer achieved two major outcomes:

✅ Avoided paying for non-qualified calls
✅ Recovered rep time previously wasted on dead-end conversations

Key outcomes

• 50% of non-qualified calls were prevented from becoming billable
• Live reps only received qualified consumers
• Conversion rates improved by focusing rep capacity on real opportunities
• The buyer could scale traffic with less fear of waste

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A Simple ROI Example

To illustrate the impact, here’s a conservative monthly model:

Assumptions

• 1,000 inbound calls / month
• $70 per billable call
• 50% non-qualified
• 10 minutes average wasted time per non-qualified call
• Calls become billable after 120 seconds

Without VeracityHub

• 1,000 billable calls x $70 = $70,000/month
• 500 non-qualified calls x 10 minutes = 5,000 minutes
• 5,000 minutes = 83+ hours wasted rep time/month

With VeracityHub Soft Pull + AI filtering

• 500 non-qualified calls ended before 120 seconds = $35,000/month avoided spend
• 83+ hours rep time recovered

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Why This Matters

Most data validation happens after the customer is created. This approach created a new advantage:

Verification inside the economic window.

By validating qualification before the call became billable, the buyer didn’t just “improve customer quality” — they changed the unit economics of the entire inbound call acquisition model.

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Key Takeaway

If you’re buying inbound calls based on duration, the first 120 seconds are everything.

VeracityHub’s Soft Credit Pull + AI Voice Agent workflow helped this buyer:

• reduce wasted spend
• protect agent capacity
• increase conversion efficiency
• and ensure they only paid for qualified calls

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Want to see how this works for your call buying model?

If you buy inbound calls, run qualification workflows, or want to verify consumer intent early, VeracityHub can help you build a verification layer that runs before you pay.

Get Started or Contact Sales to learn more.