FICO® SCORES + SOFT CREDIT CHECKS

KNOW YOUR CUSTOMER'S CREDIT... NOW

Prequalify your customer's without running a hard pull.

iSoftpull will optimize your sales process

Run your client's credit with their name and address only!

No Social Security or Date of Birth Required!

Step 1

Obtain your client's full name and 
home address

Step 2

Obtain your client's consent to access their credit report

Step 3

Submit your client's full name and  home address in our portal 

Step 4

View your client's credit report and FICO Score instantly 

** Must be pulling your customer's credit in connection with a loan, financing plan, or extensions of credit.  CREDIT REPAIR is not an acceptable use case.

Why Does Your Company NEED Soft Pulls?

Know Which of Your Prospects Qualify For Your Services, Now!

  • Save Time: They want to be able to identify quality leads right out of the gate. This helps them focus their energy on deals that will close, and less time on deals that have no chance of closing at all.
  • Save Money: After implementing soft pulls, our clients spend their resources only on deals most likely to qualify because they know their accurate credit condition. This helps them decrease their expenses on deals that have no chance of closing.
  • Increase Sales: By spending time and money ONLY on clients with good credit scores, naturally our customer's sales increase. 

DON'T JUST TAKE IT FROM US... 

"If you're a business that needs to review your customer's credit, I highly recommend iSoftpull"

JASON EDWARDS - CAPWELL FUNDING

WHAT DATA IS ON A SOFT PULL?

hint... it's a full credit report and FICO® Score

  • CREDIT SCORE: We can provide FICO or Vantage Scores
  • ​SCORE VERSION: Any score version that FICO or Vantage creates
  • LOANS: Mortgages, student loans, personal loans, car loans, etc
  • LIENS AND JUDGEMENTS: Tax lies included!
  • PAYMENT HISTORY: 7 Years of payment history
  • ​CREDIT INQUIRIES: Past 2 years

FICO and FICO® Scores are registered trademarks of Fair Isaac Corporation.

Industry Requirements 
to Pull Credit

  • Permissible Purpose: Although there are a lot of legitimate reasons to pull credit, we have a limited use case. We only deal with businesses that want to pull their customer's credit to evaluate their ability to repay a loan, financing plane, extension of credit, or the like. We DO NOT serve credit repair. companies, bankruptcy attorneys. tenant screeners, property managers, or private investigators.  
  •  Bonafide Business: We must validate that your company is in fact a company. You must have a business entity (LLC or Corporation), partnership, or sole proprietorship. 
  • ​Consumer Consent: You must get your customer's permission to pull a soft credit check on them. The consent can be written, electronic, or over the phone on a recorded line.  

What Type of Companies Do We serve?

ANY COMPANY USING THE CREDIT REPORT IN CONNECTION WITH FINANCING

Business Types We Serve

  • Lenders: If your are the lender, we can serve you! We have a broad customer base of lenders, whose underlying product ranges from business loans, persona loans, construction loans, solar financing, equipment leasing, etc. 
  • Brokers: Brokers of loans can get access to pull credit too! You don't just have to be the lender. The primary consideration is that you are pulling your customer's credit in connection with  financing.
  • ​Lead Generators: Yes! We can work with you too! Again, so long as you have the client's consent to pull their credit, and it's in connection with a financing plan, loan, or extension of credit, you're good!

Business Types We DO Not Serve

  • Credit Repair: Why? There is no financing involved. We only work with companies who want to look at credit to evaluate for lending/financing or the extension of credit.
  • Tenant Screen: Although a rental is similar to an extension of credit, tenant screening is in a different category we do not serve. 
  • Individual Consumer: We are a b2b company. our clients are businesses who want to check the credit of their customers. We do not deal directly with borrowers. 
  • ​Other: If your company wants to review the clients credit for any other reason besides financing, we most likely cannot serve you. If you are unclear, give us a call and we can discuss your situation!

Industry Specific Example Use Cases 

Solar and Home Improvement Industries

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. 

Business and Personal Loan Industries

Business and personal loan professionals love our software because it gives them instant access to their customer's credit report and FICO scores. 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 or Vantage 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. 

Phone Processing Applications

Our cloud based software includes unlimited users with no extra fees. This will allow all of your phone agents to log into our portal, or visit your website and pull your prospects credit while they are on the phone. 

In the Field Credit Decisions

So you're at your prospect's house and he is asking buying questions... What do you do? Do you spend another hour drawing up a bid and then a week processing the application, or do you get your client's consent to run a soft pull from our cloud based soft ware?
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