Credit Reporting API | Soft Pull Solutions Integrations | Credit Score API Integration

API for Soft Pull Consumer Credit Reports

One API — Unlimited Data Access

Our API makes it simple to pull the reports you need directly into your website, CRM, LOS, or internal tools. With one integration, you can automate credit checks, identity verification, public record searches, and more—securely, quickly, and without manual intervention.

What You Can Access with Our API

Credit Reports

     Soft and Hard Pull Reports from all three major bureaus (Experian, TransUnion, Equifax)

     Tri-Merge or Single Bureau Options for maximum flexibility

     Business Credit Reports to evaluate commercial accounts and entities

Public & Legal Records

     Bankruptcies, Liens, and Judgments

     UCC Searches for secured interests and compliance needs

Identity & Verification

     ID Verification & Fraud Detection (KYC, fraud risk indicators)

     Bank Account Verification for underwriting and payment checks

     Employment & Income Verification

     Debt-to-Income (DTI) Estimators to support accurate decisioning

Background & Screening

     Criminal Records

     Eviction History for tenant and rental screening

Asset & Property Data

     Vehicle Searches (including DMV data) for auto lending and asset validation

     Property Searches for underwriting, leasing, or ownership verification

Why Integrate with Soft Pull Solutions

     One Integration, Countless Capabilities
Access credit, identity, fraud, business, and public record data through a single, unified API.

     Developer-Friendly
Sandbox environment, API documentation, and Postman collections make integration fast and painless.

     Secure & Compliant by Design
Fully aligned with FCRA, GLBA, and bureau compliance standards, with secure authentication and data handling.

     Customizable Outputs
Choose between tri-merge, single bureau, or human-readable reports tailored to your workflow.

     Smarter Decisioning
DTI, income estimates, fraud scoring, and credit data combined in one response to help you approve faster and with confidence.

Integration Options

Our API can be deployed across:

     Websites & Portals

     CRMs

     Loan Origination Systems (LOS)

     Mobile Apps

Whether you need merged reports or raw bureau data, our API gives you the flexibility to power any workflow.

Security & Technical Details

Secure by Design

     Encrypted Data Transmission — All API calls are secured with TLS 1.2+ to protect sensitive information end-to-end.

     Authentication — Access is granted via secure API keys with role-based permissions to ensure only authorized users can connect.

     Compliance First — Our API adheres to FCRA, GLBA, PCI, and bureau standards to ensure regulatory and data security compliance.

API Call Format

     RESTful Endpoints — All data requests use JSON over HTTPS, making integration simple and familiar for developers.

     Standardized Response Models — Receive clean, structured JSON responses with clear fields for credit data, verification, and scoring.

     Error Handling — Consistent HTTP status codes and error messages help your developers identify issues quickly.

     Customizable Output — Choose between merged tri-merge reports or individual bureau outputs. Human-readable and raw formats are both supported.

Why Businesses Choose Us

We combine the strengths of industry leaders offering the widest range of reports, with the security, compliance, and scalability your business requires. With Soft Pull Solutions, you save time, reduce risk, and grow with confidence.

Contact us or fill out the form below to learn more about how to use API integrations with our Solution.

FAQ

Soft Pull Solutions’ API is a secure, RESTful integration that allows businesses to access consumer and business credit reports, identity verification, public records, and related data directly from their own systems. With one connection, you can automate credit checks, reduce manual steps, and deliver results instantly inside your CRM, LOS, or website.

The APIs use secure RESTful HTTPS requests with TLS 1.2+ encryption. This ensures all data in transit is fully protected and compliant with bureau and federal standards.

Our APIs send and receive data in JSON format, the most widely used and developer-friendly structure for integrations. Human-readable report formats are also available for client-facing use.

To access our APIs, your business must have a permissible purpose under the Fair Credit Reporting Act (FCRA). We work with financial institutions, lenders, property managers, automotive dealers, and other approved industries that meet regulatory requirements for accessing credit and identity data.

Yes. You can choose either single-bureau pulls or tri-merge reports that combine data from Experian, Equifax, and TransUnion into one file. Output can be customized to your needs, whether raw data or formatted reports.

Most clients can be set up in as little as 1–3 business days, depending on bureau credentialing requirements. We provide a Sandbox environment, documentation, and Postman collections to speed up the development process.

Our API is built with security and compliance at its core:

  • TLS 1.2+ encrypted data transmission

  • Role-based API key authentication

  • Adherence to FCRA, GLBA, PCI, and bureau security requirements

  • Regular monitoring and auditing to safeguard data integrity

It is recommended that you do not store credit reports in your own system. Storing sensitive credit data increases your liability in the event of a security breach or system compromise. Instead, Soft Pull Solutions’ API allows you to securely retrieve previously ordered credit reports using a unique reference number. This eliminates the need to maintain large amounts of sensitive data, helps you save storage space, and minimizes exposure if your servers were ever compromised or stolen.

Yes, SOC II compliance is recommended to show you’re following the right security rules. The good news is, Soft Pull Solutions already meets the strict requirements set by the credit bureaus. We make the process simple by guiding you through what’s needed, so you can stay compliant without extra hassle.

Depending on the API response times will vary. The more simplistic APIs will typically be around 3 seconds and the more complicated such as a tri-merge will typically be around 10 seconds

In addition to data being encrypted in transit with TLS 1.2+, clients can also enable IP restrictions for an added layer of access control.

There are many use cases and industries that can access our APIs. Here are some examples of existing client's industries:

  • Mortgage & Lending.
  • Automotive Dealerships and auto loans.
  • Construction Loan companies.
  • Solar.
  • Equipment Financing.
  • Healthcare financing.
  • Tenant Screening.
  • Business Loans.
  • Fintech.
  • And more

Yes. Our team provides dedicated developer support to ensure your integration is smooth and reliable. You’ll have access to:

  • Comprehensive API documentation

  • Postman collections and sample code

  • Sandbox environments for safe testing

  • Direct developer assistance during setup

We work alongside your technical team to resolve questions quickly and help you launch with confidence.

Learn More About API Integration

See More Articles

Additional Reports & Features

When you sign up with Soft Pull Solutions, you’ll have access to a variety of other detailed reports and services designed to meet your specific business needs. Click the button to view a full list of reports available to your account or to schedule a meeting.

Product Summaries Schedule A Meeting

Contact Us

Back to top