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Statuses

The following table describes each of the statuses with who needs to take action and what action is needed.

Status
Description

Initialise

An application has been submitted to the system for decisioning.

No Decision

An application has been submitted but the CRA did not provide a response.

Predecline

The credit application has been declined by CreditSentry.

Accept

The credit application has been accepted for finance which is valid for 90 days.

Decline

The credit application has been declined for finance.

Refer

The credit application has been given a refer decision which requires manual decisioning from the lender to be either declined or accepted.

Verified

The customer has successfully paid their deposit or signed contracts (if no deposit).

Amended

The credit application has been amended and is awaiting the consumers approval.

Fulfilled

The retailer has notified Deko that they have fulfilled the order. Fulfilment is defined as the customer having receipt of all items eg their complete order.

Complete

The credit application has been included in a settlement payment from the lender to the retailer.

Cancelled

The credit application has been cancelled and the deposit refunded if it was paid.

Action Customer

The customer has been accepted, paid their deposit but the application requires an ID upload to proceed.

Action Lender

The customers identity document could not be validated and it is down to the lender to take action.