Choose Your Plan
Select bureaus (Equifax, TransUnion, Experian), pull types (soft or prescreen), and add-ons.
2 minutesSame-Day Setup
From Sign-Up to First Credit Pull in One Day
No paperwork. No waiting weeks for bureau approval. iSoftpull handles credentialing, compliance, and bureau relationships so you can focus on lending.
Speed Matters
Traditional vs. iSoftpull
Why lenders are switching from hard pulls to soft pulls.
Traditional Hard Pull
3-5 Days
- Requires SSN from applicant
- Hurts applicant's credit score
- Manual application process
- High drop-off rate (40-60%)
- Compliance burden on you
Recommended
iSoftpull Soft Pull
<5 Seconds
- No SSN required
- Zero credit score impact
- Automated digital flow
- Near-zero drop-off (<5%)
- Compliance handled for you
The Process
Five Steps to Your First Pull
Most businesses complete the entire process in a single sitting.
Sign the EUA
Review and digitally sign our End User Agreement. No printing, no faxing, no scanning.
5 minutesVerify Your Business
Automated KYB checks verify your business entity, address, and principals in real-time.
InstantGet Credentialed
We credential you with the credit bureaus. Most businesses are approved same-day.
Same dayStart Pulling
Enter a name, address, and consumer consent. Full credit report and FICO score in under 5 seconds.
<5 secondsBuilt-In Compliance
Automated at Every Step
iSoftpull handles the compliance work so you can focus on lending.
KYB Verification
Automated business verification via Middesk. Secretary of State, EIN, address, and principal checks.
FCRA Compliance
Permissible purpose validation, consent tracking, and dispute handling built into every pull.
Audit Trail
Every pull, consent, and access event is logged with timestamps for regulatory audits.
Platform Features
Everything You Need
REST API
Integrate directly into your LOS, CRM, or custom platform with our documented API.
Webhook Notifications
Real-time notifications when reports are ready, decisions are made, or alerts trigger.
White-Label Portal
Customize the borrower experience with your logo, colors, and consent language.
Multi-User Access
Invite your team with role-based permissions. Loan officers, managers, admins.
Common Questions
How is a soft pull different from a hard pull?
A soft pull returns the same credit report and FICO score data as a hard pull, but it does not appear on the consumer's credit report and has zero impact on their credit score. The consumer also does not need to provide their SSN.
What do I need from the consumer?
Just their full legal name, current address, and written consent (digital is fine). No SSN, no date of birth required.
How long does credentialing take?
Most businesses are credentialed same-day. The digital EUA signing takes about 5 minutes, and automated KYB verification is instant. In rare cases where manual review is needed, it takes 1-2 business days.