TCR Code 3103
Direct Lending Content Mismatch
Content Scan Violation
Rejection Rate
15%
Avg Fix Time
1 Hour
Success Rate
90%
Why This Rejection Happens
Your campaign was flagged by AI content scanners because your Sample Messages or Website Content contain lending terminology, but you did NOT declare this in your attributes.
Root Cause Analysis
Detected Triggers
- Trigger Words: "Approval", "Funded", "Rates", "Credit", "Loan".
- Ambiguity: Real estate agents mentioning "mortgage pre-qual" in texts without the lending attribute.
Step-by-Step Fix
1
Enable "Direct Lending" Attribute
If you ARE sending lending-related content, simply go to Campaign Attributes and set "Direct Lending or Loan Arrangement" to TRUE. This resolves the mismatch.
2
Remove Lending Terms (If Not Lending)
If you are NOT a lender (e.g., a credit repair agency or debt relief), remove words like "Loan" or "Lending" from your samples. These industries often have their own specific prohibited content rules.
⚠️ Note: Debt Relief and Credit Repair are typically blocked on 10DLC regardless of attributes. Code 3103 might be a precursor to a 709 (High Risk Financial) rejection.