Stop Wasting Time on Borrowers Who Don't Qualify
iSoftpull gives you a full credit report and FICO® Score with just a name, address, and consumer consent. No SSN. No credit score impact. Know if they qualify in seconds — before you spend a minute on paperwork.
Your Team Is Working Hard on the Wrong Borrowers
Most lenders waste 30-40% of their processing time on applications from people who were never going to qualify. Every hard pull costs money. Every rejected application costs hours. What if you could filter them out before they ever hit your desk?
With iSoftpull, you get the full picture — instantly.
Same Credit Data. Zero Friction.
A soft pull returns the exact same data as a hard pull — full FICO® Scores, tradelines, collections, inquiries, public records. The only difference? No SSN required, consumer consent can be verbal or digital, and no impact on the borrower's credit score.
| Feature | iSoftpull | Hard Pull |
|---|---|---|
| Requires SSN | No | Yes |
| Impacts credit score | No | Yes |
| Full credit report | Yes | Yes |
| FICO® + VantageScore | Yes | Yes |
| All 3 bureaus | Yes | Yes |
| Use for pre-qualification | Yes | Not ideal |
| Borrower experience | Invisible | Shows on report |
Pull a Full Credit Report Instantly
Name, address, consent. That's all your team needs. Watch a real soft pull from start to finish.
Pull a full credit report in seconds
Built for Lenders Across Every Vertical
Whether you're underwriting business loans or financing solar panels, iSoftpull gives you the same bureau-level credit data — without the hard inquiry.
Mortgage
Know if a buyer qualifies before pulling their full app — save your team hours on dead-end leads
Business & Personal Loans
Screen applicants in seconds without triggering a hard inquiry or requiring their SSN upfront
Health & Dental
Approve patients for financing at the front desk before they sit in the chair
Home Improvement
Qualify homeowners for project financing on the spot — roofing, solar, HVAC, and more
Online Lenders & Brokers
Embed credit checks directly into your platform via API or drop-in web forms
Automotive, ATVs & RVs
Pre-qualify buyers on the lot before they test drive — no paperwork, no waiting
Don't see your industry? We serve many more — contact us to find out if we're a fit.
Trusted by Lenders Nationwide
"Soft pulls only need a name and address, letting me review credit faster with the same score as a tri-merge."
All Three Bureaus. One Platform.
iSoftpull holds direct authorized reseller agreements with Equifax, Experian, and TransUnion. You get full bureau access without your own contracts, compliance infrastructure, or credentialing headaches. We handle all of it — you just pull credit.
Go Deeper When You Need To
Stack on identity risk and income analysis for a complete picture — before a borrower ever reaches your desk.
Identity Risk Suite
86+ fraud alerts. Detects synthetic fraud, true-name fraud, hot addresses, and deceased SSNs. PATRIOT Act Red Flag compliant. Results appear directly in-report.
Income + DTI Analysis
Estimate income and debt-to-income ratio from bureau data alone — no tax docs, no pay stubs. Captures wages, investment income, business income, pension, and more.
Plug Into Your Existing Workflow
Whether you want a turnkey dashboard, a direct connection to your existing software, or an embeddable form for your website — we have you covered.
Connect Your Software
Integrate iSoftpull directly into your CRM, loan system, or custom platform — no manual login required. Your software talks to ours automatically.
- Automate credit pulls from your existing tools
- Get FICO® Scores, tradelines, collections, public records
- Works with any CRM, LOS, or internal system
- Real-time results delivered back to your platform
- Sandbox environment for testing
Embeddable Web Forms
Integrate a pre-qualification form into your website in minutes. Prospects enter their name and address and give consent. You get a full credit report — no SSN, no hard inquiry.
- Drop-in form for any website
- Branded to match your site
- Prospect provides consent + name + address
- Results delivered to your dashboard instantly
- Works on desktop and mobile
Up and Running in Days, Not Months
Access to consumer credit data is federally regulated — and for good reason. We can't hand it out to just anyone. Our automated verification systems confirm your business and identity so you can start pulling credit in minutes, not weeks.
Company Verification
We verify your business is legitimate and has a permissible purpose under the FCRA to access credit data. This includes confirming your business registration and intended use case.
Identity Verification
Key personnel complete a quick identity check — photo ID and a selfie. This ensures only authorized individuals can access sensitive consumer credit information on behalf of your company.
Start Pulling Credit
Once verified, your account is activated and you can start pulling soft credit reports immediately — through our dashboard, API, or embeddable web forms.
This isn't red tape — it's consumer protection, and it's the law. Our systems are fully automated, so you're verified and pulling credit in minutes, not weeks.
Simple, Transparent Pricing
No minimums. No long-term contracts. No hidden fees. Pay for what you pull.