The credit union can pass any underwriting code that's configured as a Approval or Denial code type. So if your credit union has underwriting codes of AI for "Approved Indirect" and DI for "Denied indirect," those will both pass a status of approved/denied as long as they are configured correctly. The only code we standardized is the CO for "Counter Offer."  This is the only memo type code that can be passed for indirect. Any other memo codes would not trigger a notification to the dealer.

CU*Answers also has a Counter Offer Exchange Portal, which is generated when a dealer submits a comment with an application. The credit union will be notified by email and can respond back and forth with the dealer through that channel. Certain limitations apply based on the vendor with whom you partner for indirect.