Credit Reports

 

Soft Pull Solutions offers several features that make your soft pull inquiries convenient and reliable. Whether you need to pull credit reports for any qualified consumer, from someone seeking a business loan to a lead interested in solar panels, we've got you covered. Trying to decide if we're a good fit for you? Then check out our Industry Applications


 

Credit Reporting Portal

A safe and secure portal to Experian, Equifax, and TransUnion Credit Reports.

eCredit Complete

With eCredit complete you get:

  • Processes credit reports instantly
  • Long-term document storage
  • Customizable user rights and restraint

 

Multi-Bureau Report Summary

Our multi-bureau report summary allows you to easily

  • Review 2 or 3 bureau reports concurrently
  • Identify the best FICO score instantly

eVault Document Storage

All documents, credit reports, and needed information are stored in the electronic eVault permanently. This will give you complete confidence and peace of mind, should you experience any compliance audits.

 

Employment and Income Verification

More than 60 million consumers' employment and income records allow you to finance with certainty as you lend to a wide range of consumers.

Auto Finance Summary

Take advantage of the ability to see your prospects current auto loans. This helps hold rate and close more deals during the financing process.

 


 

Soft Pull vs. Hard Pull

Soft Pull

What information does the report show? Full Credit Report and FICO Score.

What is needed to do a pull? Name and address only.

Does it have an effect on credit? No, it does not hurt the consumer’s credit.

Does the inquiry show on the consumer's credit report? No

Does it trigger compliance? No.

Hard Pull

What information does the report show? Full Credit Report and FICO Score.

What is needed to do a pull? Personal information, including social security and date of birth.

Does it have an effect on credit? Yes, it impacts the consumer’s credit score and leaves an inquiry on the credit report for up to 2 years.

Does the inquiry show on the consumer's credit report? Yes

Does it trigger compliance? Yes.