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.

We often get asked, "How accurate is a soft credit check... is it just a ball park?" The answer is: a pre-qualification soft pull delivers the exact same credit data as a hard pull, the only difference being it's a soft pull. To be specific, the credit score, payment history, public records, and warning messages are the exact same on a customer's hard pull as they are on a soft credit check through iSoftpull.

iSoftpull delivers your client's credit report and score using your client's name and home address only. That said, if there are two generations of people living at the same address with the same or similar name, or if your customer gives you a new home address that has not been recorded with the bureaus yet, then we will need a date of birth or social security number to identify the specific applicant.

A soft credit check does not impact your customer's credit report or score. Traditionally, a hard pull will lower your customer's credit score by a few points, however a soft pull will not. Also, a hard pull will place an inquiry on your customer's credit report, which usually lasts about two years. A soft credit check will not place an inquiry on their report. As such, a soft credit check will not activate your competitor's trigger leads, another benefit of doing a soft credit check through iSoftpull.