Starter
$99/mo
- Single bureau (your choice)
- Soft pull credit report
- FICO Score included
- Up to 50 pulls/month
- Web portal access
- Email support
Simple, Transparent Pricing
Choose the plan that fits your lending business. All plans include full credit reports and FICO Scores. No long-term contracts.
Pricing Plans
Professional
$199/mo
- Two bureaus
- Full credit report + scores
- FICO + VantageScore
- Up to 200 pulls/month
- API access
- Priority support
- Custom consent forms
Enterprise
$399/mo
- All three bureaus (tri-merge)
- Full credit report + all scores
- FICO + VantageScore + industry
- Unlimited pulls
- Full API + webhook integration
- Dedicated account manager
- White-label options
- Custom decisioning rules
Add-Ons
Enhance Your Reports
Add these to any plan for deeper credit intelligence.
FACTA Score Reason Codes
Get the specific factors affecting the applicant's credit score, as required by FCRA/FACTA.
+$1.50/pullFraud & ID Verification
OFAC screening, identity verification, and address validation in one step.
+$2.00/pullTri-Merge Report
Combined report from all three bureaus with side-by-side score comparison.
+$3.00/pullCommercial Credit
Business credit data from D&B and Experian Commercial for SBA and business lending.
+$4.50/pullFrequently Asked Questions
Are there setup fees?
No. There is a one-time credentialing process, but there are no setup fees, no hidden costs, and no long-term contracts.
Can I change plans later?
Yes. You can upgrade or downgrade your plan at any time. Changes take effect on your next billing cycle.
What is the credentialing process?
We verify your business via automated KYB (Know Your Business) checks. You sign our End User Agreement digitally, and most businesses are approved same-day.
Do I need a permissible purpose?
Yes. Under the FCRA, you need a permissible purpose to access credit data. Most lending, insurance, and tenant screening use cases qualify. Our team helps you determine eligibility during credentialing.
Is there an API?
Yes. Professional and Enterprise plans include full REST API access with webhook support for real-time integrations with your LOS, CRM, or custom application.