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When it comes to consumer trust and financial decision-making, the process of pulling a credit report plays a more significant role than many realize. Introducing a "soft pull" approach in credit inquiries can not only transform consumer attitudes but also create a smoother, more engaging user experience.  This blog explores the psychological impact of credit inquiries, why sof ...

If you're wondering whether a credit report can be pulled using an Individual Taxpayer Identification Number (ITIN), you're not alone. Many business owners, landlords, and financial institutions face this question when dealing with clients or applicants who may not have a Social Security Number (SSN).  The short answer is yes, it’s possible, and this process is becoming increas ...

Stay in the know with automated monitoring of your customer and supplier portfolios. Get instant alerts—via email or API—whenever critical changes occur, such as credit score shifts, credit limit adjustments, legal filings, address or director alterations, or evidence of financial distress like liquidation or bankruptcy.

When evaluating the creditworthiness of a business, especially a small or closely held one, it’s often not enough to just look at the company’s business credit profile. That’s where a Business Principal Report comes in.

Why Do People Get Turned Down for Loans—Even With a High Credit Score?

It’s a frustrating experience: you’ve worked hard to build a strong credit score—maybe even 750 or higher—yet your loan application gets denied. How can that be? Isn’t a high credit score supposed to guarantee approval?

If you run a business that touches consumer credit data—whether you’re a small auto-dealer, a fast-growing fintech, or an enterprise lender—questions about data privacy and security arrive early and often.  One term you will inevitably encounter in that conversation is SOC II. Search trends show that many owners type “Do I need SOC II certification?” into Google right after the ...

The cost of elective healthcare—think dental implants, orthodontic braces, dentures, LASIK eye surgery, or popular plastic-surgery “mommy make-overs”—rarely fits inside an insurance policy.  For patients, that can mean thousands (sometimes tens of thousands) of dollars in out-of-pocket expenses. For providers, it can mean stalled treatment plans and lost revenue. A new financin ...

When it comes to lending decisions, credit reporting is a critical tool in assessing risk and determining creditworthiness. For small business loans, equipment financing, and many other forms of commercial credit, lenders and brokers often rely not on one—but two—types of credit reports: consumer and business credit reports.

How Does Debt-to-Income (DTI) Impact the Underwriting Process of a Finance Application?

When someone applies for financing—whether it’s a personal loan, mortgage, business line of credit, or equipment lease—one of the most important metrics lenders review is the Debt-to-Income Ratio (DTI).

In the world of data services, it’s easy to get lost in the overlap between tools used for collections and those used for underwriting. One example often referenced in collection circles is TransUnion’s TLOxp®, commonly referred to as “TLO.” This is a product worth understanding—especially as lenders evaluate which types of data are appropriate for their specific use cases, particularly around identity verification and fraud prevention.