Background Checks

At Soft Pull Solutions, we take the hassle out of background checks for companies like you. Our comprehensive background check service is tailored to help you make informed decisions swiftly and securely.

Criminal Background Check

With Soft Pull Solutions, you can seamlessly assess the criminal background of potential tenants. Here's a glimpse of what we offer:

• US Criminal Report: A nationwide search delving into records for criminals, sex offenders, arrests, warrants, and traffic violations.
• Criminal State and National Search: Receive detailed reports encompassing felonies, misdemeanors, incarcerations, and traffic records from multiple states.
• Criminal Sex Offender Search: Explore felony sex offense records from various states to ensure thorough vetting.
• US Sex Offender Report: Access reports from national criminal records across all 50 states, providing insights into current registered sex offenders.
• Rapsheets and Criminal Database Search: Harness the power of our comprehensive online criminal database, retrieving records from courts, Departments of Corrections, and law enforcement agencies.
• County Felony & Misdemeanor: Conduct a 7-year countywide search for both felonies and misdemeanors, ensuring a thorough examination.
• County Felony Search: Narrow down your search with a focused 7-year countywide felony search, leaving no stone unturned.
• Manual State Search: Opt for a 7-year statewide search for felonies and misdemeanors in selected states, tailored to your specific needs.

With Soft Pull Solutions, you'll have access to all the information you need, presented in a clear and concise manner. Here’s a sample report you can preview by clicking or tapping the button below.

Sample Report

Soft Pulls (Full Credit Report and Score)

Prequalify Applicants with Confidence
With Soft Pull Solutions, you can easily and cost-effectively prequalify applicants without affecting their credit scores. Our soft pull service lets you assess creditworthiness by pulling full credit reports and scores using just a name and address—no Social Security number required. This non-invasive check gives you the same data as a hard pull, but with none of the drawbacks to your applicants’ credit score.

Key Features:

• Instant access to credit reports from Experian, TransUnion, and Equifax.
• View applicants' FICO scores from all three bureaus in one easy-to-read summary.
• No impact on the consumer’s credit score.
• Cross-referenced data filters out false identities and fraudulent activity.
• Lower cost compared to hard pulls, saving you both time and money.
• Compliant with regulatory standards for financial institutions.

Soft pulls help you make smarter lending decisions, prequalify for loans or large purchases, and streamline your application process—all while preserving the customer’s credit health.

See A Sample Report  Learn More

Employment Information

Verify Employment and Minimize Risk
Confirming a potential tenant or borrower’s employment status can be a crucial part of the vetting process. With Soft Pull Solutions, you gain access to up-to-date, real-time employment data that helps reduce the risk of defaults.

Benefits of Our Employment Verification Tool:

• Real-time data from thousands of sources.
• Access to up to six previous employers for a comprehensive employment history.
• Includes employer names, addresses, phone numbers, and more.
• Helps you assess the applicant's income stability before making lending decisions.

This service is essential for landlords, lenders, and businesses that want to ensure applicants are financially capable of meeting their obligations.

See A Sample Report  Learn More

Bank Verification

Instant Bank Verification for Smarter Decisions
Whether you need to assess an applicant’s ability to repay a loan or verify their financial status, Soft Pull Solutions offers reliable bank verification services to streamline your decision-making process.

Available Services:

• Instant Bank Verification (IBV): Instant, real-time verification of a consumer’s bank account, with data from over 20,000 financial institutions worldwide.
• Manual Bank Verification (MBV): A comprehensive, manually verified bank account check to confirm balances, income, and potential red flags.
• BAV Advantage: A deeper look into consumer banking habits, including transaction histories and potential high-risk factors.

Our bank verification solutions give you the clarity you need to make confident lending and financial decisions.

See A Sample Report  Learn More

Identity Verification

Instant Identity Verification for Fraud Prevention
Protect your business and your customers by verifying identities instantly with Soft Pull Solutions' advanced fraud detection tools. Whether you need to authenticate an individual’s identity or detect fraudulent behavior, our solutions provide real-time results for maximum security.

Key Features:

• ID Authenticate: Uses SSN, name, and address to verify identity through a series of questions.
• ID Verify: Confirms key personally identifiable information (PII), including SSN, name, birthdate, and address history.
• Scans millions of records from credit bureaus, public databases, and high-risk fraud indicators.
• Useful for online lending, call centers, and pre-employment screening.

Identity verification ensures you’re engaging with legitimate applicants, reducing the risk of fraud in your operations.

See A Sample Report  Learn More

Bankruptcies, Liens, and Judgments

Assess Financial Risk with Comprehensive Public Record Data
Bankruptcies, liens, and judgments are critical indicators of financial risk. While these records are no longer part of standard credit reports, Soft Pull Solutions offers a deep dive into these public records to give you a fuller, more accurate picture of an applicant's financial history.

What We Offer:

• Bankruptcies: Check for any bankruptcy filings (individual or business) across the U.S., Puerto Rico, and Guam, with detailed reports including filing type, liability amounts, and assets.
• Judgments: Identify any civil judgments, including unpaid child support or debts, which may impact a borrower’s financial stability.
• Liens: Investigate tax liens and other liens filed against an individual, which can indicate financial strain and affect the applicant’s ability to repay a loan.

Applicants with bankruptcies, liens, or judgments are more likely to default on debt, so knowing this information helps you reduce risk and make smarter decisions.

See A Sample Report  Learn More

Professional License Verification

The quickest way to confirm someone’s professional qualifications, ensuring they meet the necessary licensing standards.

Conduct a search of over 400 sources of professional licensing across all 50 States and U.S. Territories. This includes industry organizations and state agencies for various professions, including business, medical, legal, financial, and more.

What does it do?

• Searches across over 400 professional licensing sources to confirm qualifications.
• Checks both current and former license filings.
• Returns valuable data, including:
  
  • Name and address
  • Profession
  • License or Registration Number
  • Issuance and expiration dates
  • Current license status
  • Any associated disciplinary actions
  • Additional qualifications where available

What is it used for? This report is crucial for businesses and foundations looking to prescreen potential hires. It minimizes the risk of fraud or liability associated with hiring professionals who require licensure, ensuring they hold valid, up-to-date credentials.

Sample Report

Moving Violation Report (MVR)

Know an applicant’s driving history before they get behind the wheel for you.

This report conducts a search across motor vehicle records in all 50 states to identify driving violations, providing a comprehensive overview of an applicant's driving history.

What does it do?

• Provides a real-time search of motor vehicle record databases maintained by each state.
• Returns important data related to the applicant’s licensing and driving history, including:
  
  • Name, address, and county
  • Social Security Number, date of birth
  • Race, hair and eye color, height
  • Violations, license issue and expiration dates
  • License class, type, and status
  • Remarks on driving history

What is it used for? This search is essential for companies hiring for transportation-related roles, such as delivery and shipping services. It provides a clear picture of an applicant’s driving history to help mitigate risks associated with hiring high-risk or unsafe drivers, avoiding potential costly litigation for the company.

Sample Report

Applications of Background Checks

We help our clients conduct background checks for a variety of reasons:

• Loans and Credit: Lenders rely on background checks to assess the creditworthiness of applicants, helping them make informed decisions regarding loan approvals and determining appropriate terms and conditions.
• Tenant Screening: For property managers and landlords, background checks are a vital tool in screening potential tenants. These checks help mitigate risks associated with rental properties by verifying applicants' rental history, criminal records, and financial stability.
• Other Financial Reasons: Beyond loans and credit, background checks serve various financial purposes. They assist in verifying identities, detecting fraud, and ensuring compliance with regulatory requirements, safeguarding both lenders and borrowers in financial transactions.

Compliance

It's important to ensure that the process of conducting background checks and making lending decisions is done in compliance with various anti-discrimination laws and regulations. Here are some key points to consider:

• Fair Credit Reporting Act (FCRA): This U.S. federal law requires that background checks for credit purposes be conducted fairly and accurately. Applicants must be informed if a credit report is being used against them and must be given the opportunity to correct any inaccuracies.
• Equal Credit Opportunity Act (ECOA): This law prohibits lenders from discriminating against applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant is of legal age to enter into a contract), or because they receive public assistance.
• State Laws and Regulations: Various states have additional laws that may impose further restrictions on how background checks and credit assessments are conducted.

To avoid potential violations, lenders should:

• Ensure that the criteria used in background checks are relevant to creditworthiness and applied consistently to all applicants.
• Avoid any criteria that could lead to disparate impact on protected classes.
• Provide clear, accurate, and timely disclosures to applicants as required by law.
• Offer a process for applicants to dispute and correct inaccurate information in their credit reports.

Commitment to Integrity

Soft Pull Solutions is committed to providing ethical and transparent background check services that empower lenders to make informed decisions while upholding the highest standards of integrity and compliance.

By focusing on the financial applications of background checks and emphasizing our commitment to legal compliance and integrity, Soft Pull Solutions ensures that lenders have access to reliable and actionable information to support their lending decisions without compromising on fairness or legality.

Make informed lending decisions effortlessly with Soft Pull Solutions. Try our background check service today and experience the difference firsthand.