Get Customer's FICO® Score and Full Credit Report Before You Call Them.

We provide businesses the ability to check their customer's credit with a soft credit check. Our cutting edge technology delivers an entire credit report and FICO score using your customer's name and address only.

  • Instant and Accurate FICO® Scores and Full Credit Reports

  • Name & Address only (No Social Security or Date of Birth Required)

  • Works Online, over Phone, in Person

  • No Credit Score Impact for Your Clients

  • Website Integrations with API Access

  • Know Your Client's Credit Now

    iSoftpull's cloud based technology enables businesses to instantly identify their client's credit worthiness at the beginning of their sales cycle. Using your customer's name and address only, and without impacting their credit report or score, iSoftpull will instantly deliver you your client's entire credit report and FICO score. This can be done over the phone, online, or in person.

  • Save Time and Resources

    As a result of learning your customer's credit profile at the beginning of the sales cycle, you will save time, money, and valuable resources you would have spent on unqualified candidates had you not run the soft pull. No more working a deal for a week, or even months, only to find out when they actually apply for the loan that they never qualified in the first place.

  • Increase Your Bottom Line

    Because you and your sales staff will know which deals to prioritize and which deals to reconsider spending time on, you will focus your energy on deals that make sense. Additionally, by leveraging iSoftpull's technology, you will create/capture more leads via your website and through your referral sources. The result being you will generate more revenue.

What We Do

Fin-tech Leader in Credit Reporting

Our software gives companies the ability to check their customer's credit with a soft (or hard) credit check. In the case of the soft pull, our cutting edge technology delivers an accurate credit report and FICO score using your customer's name and address only (no social security or date of birth required). Businesses like soft credit checks because without asking their clients for intrusive information (SS or DOB), and without impacting their customer's credit, businesses can instantly get a full picture of their customer's credit profile. The beauty of our software is we integrate right into your current business processes. To be more specific, whether your clients come to you over the phone, in person, or online, iSoftpull instantly delivers you your customer's entire credit report and score. We pride ourselves in exceptional customer service.

What Data is on a Soft Pull?

We return the exact same information that would be on the consumer's hard pull, its just a soft pull!

  • FICO or Vantage Scores: Any version or model of your choosing

  • Trade Lines: Mortgage loans, credit cards, auto loans, student loans, personal loans and more!

  • Inquiries: All hard inquiries from the last 24 months.

  • Personal Information: Current and previous housing, employment history.

  • Public Records

Credit Decisioning Engine

  • Instant Credit Underwriting and Decisioning

    The goal is simple: give your representative a decision of whether or not their client qualifies for your program with one click of the mouse, or one tap of the screen.

  • Score Only and Multi-Criteria Decisions

    Set up preset underwriting criteria with our decisioning engine. Whether it be credit score only, or a mixed bag of credit report factors, your agents will know exactly what credit profile their prospect is.s.

  • Get Decisioning in the Office or in the Field

    Our software integrates into your website and email. By integrating our software to your website, your representatives will be able to get credit decisions irrespective if they are in the field or in the office.

FAQ

  • Do I need consent for a soft pull?

    Yes, although iSoftpull delivers a pre-qualification soft credit check, your customer's consent is still required. Consent can be acquired on a traditional paper application with a wet ink signature, online through a digital application, or verbally if the phone call is recorded. iSoftpull's website integration enables even the smallest of companies to acquire online consent and capture more leads. Learn More But I thought soft pulls didn't require consent? It depends. Some do, some do not. A batch prescreen does not require consent. However, a pre-qualification soft pull where you receive the entire credit report does. A batch pre-screen is used when credit card companies send out pre-approvals for credit cards; they use a pre-screen, don’t send out an entire credit report, and require you to send a firm offer of credit.

  • What information is on the iSoftpull credit report?

    iSoftpull provides the exact same information as found on a hard pull: a full credit report and FICO score.

  • Can I get the score only?

    iSoftpull provides the exact same information as found on a hard pull: a full credit report and FICO score.

  • How accurate is the report?

    It is accurate, real-time data directly from the bureaus. Even if it was changed an hour earlier, the data would still be reflected in the new report.

  • What industries can iSoftpull serve?

    iSoftpull is strictly used for financing and lending. iSoftpull reports are used to determine credit worthiness in advance of the point of extending financing.

  • Must I have a commercial office or is a home office fine?

    You may only operate out of a home office if you're a mortgage broker and your NMLS number is registered to your home. Otherwise, you must have a commercial location that does not share space, with locked doors and a separate and secure data network.

  • Do you integrate with my CRM?

    We do integrate with several LOS and CRM providers, please let us know which you utilize.

  • How long will it take to get active?

    Once all your documents have been received, the turnaround time is typically 4-5 business days.