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 ssn or dob required)
• Works Online, over Phone, in Person
• No Credit Score Impact for Your Clients
• Website Integrations with API Access
Create a free demo account to see the software in action!
... consistent data matches with actual tri merges, dedicated support staff always available and quick to respond, highly recommend!"
Jay D. Huffaker, Vice President, Sr. Account Executive AMUSA Commercial Capital
If your industry is not listed below, it does not necessarily mean we don't/won't serve you. Generally speaking, our customers tend to be in the financial services field, however if your company has a need to check your client's credit to see their ability to repay a loan/line of credit, we can probably serve you too. This is typical of companies that do in house financing and do not necessarily fit in a specific industry. Industries we do not serve are credit repair, tenant screening, private investigators, etc.
Online platforms with financing options love our iSoftpull Quick Solution and APIs.
iSoftpull Quick Solution
iSoftpull Custom API Builds
Get More Leads Online and Generate More Revenue:
Because a soft credit check can be done with a name and address only and does not impact a consumer's credit, consumer's are more willing to fill out pre-qualification applications. This is because it takes less time than filling out a full length application online (people hate filling out long applications) and customer's are reluctant to give out their social security number.
Convert More Leads With Verbal Consent:
With verbal consent on a recorded line, finance professionals can pull their client's credit report and FICO® Score. We have found that consumers convert at a higher rate once they have ran a soft credit check on them. More specifically, once a your company has ran the customers credit, you can speak more intelligently about the deal, and you are also able to "sink your teeth" into the deal.
Save Time and Money:
Running a soft pull will put you "in the know" about your prospect's credit condition at the beginning of the sales cycle. This will save you time and money from working on deals that do not qualify in the first place.
Protect Your Leads:
Soft pulls do not activate "trigger leads." Because a soft pull does not place an inquiry on a customer's credit report, your competitors trigger leads will not be activated.
Save Money Again:
Soft pulls cost about $3 each... a tri-merge can cost up to $30 per report. Companies using soft pulls save money because they wait until they are confident they have a deal to run a tri-merge and they don't run them on deals that don't close. They can do this because they can get the full credit report from iSoftpull. Also, they are happy to pay the fee for the tri-merge when they are confident hey have a deal.
Our software enables you to pull your client's entire credit report using their name and address only, from your website.
While on a recorded line, and with your customer's consent, you can pull your client's entire credit report and FICO® Score.
Through a paper application, your mobile phone, or your computer, our software will instantly give you your client's credit report.
Put yourself in the shoes of a real estate agent. Not having the ability to check your client's credit, but being totally dependent on your client's credit for their ability to buy a house. Picture yourself driving your client around for months on end to look at houses only to find out they do not qualify... Were talking lunches, dinners, greeting cards and everything only to find out they have a 500 credit score! This is where you come in...
With iSoftpull, you can give your real estate agent referral sources on demand access see what loans their clients qualify for. This is done through our state-of-the-art decisioning engine which integrates in to your website. Simply select your underwriting criteria in your iSoftpull portal, and when your client submits an online application, it will tell them what loans they are prequalified for. This will give you the lead, the real estate agent an understanding of their client's credit, and the consumer an idea of whether or not they can qualify for the home purchase.
Our residential solar clients use our software to prequalify their candidates when their reps are in the field, or when their finance team is speaking to prospects on the phone. In short, our solar clients want to know their prospect's credit profile prior to spending time bidding the job and sending the loan to the finance company. By running soft pulls, our clients save time and money because they are not sending representatives out their client's houses to bid jobs, spending time writing the deal, then sending unqualified candidates to their lender partners.
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.
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.
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.
Business and personal loan professionals love our software because it gives them instant access to their customer's credit report and FICO® Score. No longer will you have to send your customer to a third party's website and ask your customer to pay for some other service, download their credit report, and share it with you. With iSoftpull, as soon as you get your customer's permission to pull their credit report, and with one click of the mouse, you will instantly be able to download and view their entire credit report and score.
iSoftpull delivers a FICO® Score and complete credit report in an easy to read format. The credit report includes delinquencies on all accounts such as mortgages, credit cards, student loans, etc. It also includes inquires from the the last two years, public records, and warning messages.
Our software is a cloud based application you log into, just as you would Facebook, Gmail, or any other cloud based platform. Our business and personal loan broker customers typically get their client's consent over the phone, online, or in a traditional paper application. Once you have obtained your client's consent to run a soft credit check, you will log into our portal with your username and password, enter your client's name and address, and with one click of the mouse you will instantly receive your client's entire credit report and FICO® Score.
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All Score Versions and Models
TransUnion, Experian, and Equifax
iSoftpull enables dealers to pull a soft credit check from their website. Leads that come in from a soft credit pull close at twice as a high of rate than those that come in with just a name and contact. This is because the dealer is able negotiate an accurate deal without the customer having to fill out a fill/long credit application.
A recent trend occurring at dealerships is all customers on the lot get a soft pull ran on them. Consumer's are willing to have a soft pull ran on them because it does not hurt their score and an inquiry is not placed on their credit report. Once you have their entire credit report and FICO® Score, you can sink your teeth in and start selling!
When a customer gives you consent to run a soft pull, they are not applying for a car loan, they are getting prequalified for one. Because they are not applying at this stage, you do not have to send them an Adverse Action letter, nor present them with Risk Based Pricing, nor run an OFAC check on them. This saves time and money!
