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.

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

Request a sample soft pull here.

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

Request a sample soft pull here.

Yes, but we deliver the entire report for the same price.

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.

No, you cannot share the credit report with the customer. 

No, only the company pulling the report can consume the data. You may not share it with the customer nor any third parties. Once your affiliates learn you are only sending prequalified customers to them, there will be less need for them to potentially see a credit report from you.

Only 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. 

Yes, since you have a locked door on it and do not share it with anyone.

In layman's terms, a permissible purpose is the reason you are pulling the credit report. For example, an insurance company would be pulling a credit report to see all the trade lines and information for insurance underwriting. A car dealership would be pulling credit to determine financing options on a vehicle purchase.

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

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

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

An onsite inspector is sent out to your office to verify you have an office with locked doors, a locking file cabinet, a paper shredder, a secure data connection, and signage in the name of your business.

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

Any information input through our form that can be embedded on your website. We can send that data to your CRM through an ADF email alert. Any exact credit data can only be integrated with a CRM or LOS that maintains premier compliance certifications. 

Depending on your CRM or LOS, there may be an integration possible.

Yes, we have API’s. 

Yes, you can.

Yes.