Navigating the refinancing process—whether it's for automotive loans, student loans, or debt consolidation—requires accurate, timely financial data to make informed decisions. For refinance professionals, understanding a client’s financial situation early in the process is critical for offering personalized refinancing solutions.
Soft Pull Solutions provides refinance companies with advanced, real-time access to credit information from trusted bureaus—Experian, Equifax, and TransUnion—without impacting your clients’ credit scores. Our platform helps you assess creditworthiness, understand debt levels, and identify potential risks, all while ensuring your clients' financial privacy is protected.
Refinance Services We Support:
Automotive Loan Refinancing
Student Loan Refinancing
Loan Consolidation
Personal Loan Refinancing
Mortgage Refinancing
Key Advantages with Soft Pulls
For refinance professionals, access to timely, accurate credit data is essential for tailoring the best solutions for clients. Our soft pull option allows you to assess your clients' credit history, debt levels, and financial behaviors without triggering hard inquiries or impacting their credit scores.
Key Advantages:
Full Credit Report and Score
Obtain a complete and accurate view of your client's credit history, including their credit score, to make informed refinancing decisions.
No Impact on Consumer Credit
A soft pull allows you to evaluate credit data without affecting the client’s credit score or setting off any negative impacts.
No Trigger Leads
With a soft pull, you can review a client’s credit without triggering unwanted marketing leads or alerts to other lenders.
Soft Pulls: A Smarter Way to Assess Credit for Refinances
1. No Impact on Client Credit Scores
Soft pulls provide a comprehensive credit report and FICO® score without placing a hard inquiry on the client's credit history. This means your clients' scores won’t be negatively impacted as you assess their eligibility for refinancing options.
2. Early Risk Assessment
Soft pulls help you spot potential red flags, such as high debt-to-income ratios or missed payments, without triggering unwanted attention from competitors. By identifying risks early, you can make more informed, accurate decisions.
3. Protect Client Relationships
Since soft pulls don’t generate "trigger leads," your clients won't be contacted by other lenders or be flooded with competing offers. This helps you maintain control over your lead pipeline and protect client relationships.
4. Streamline the Refinancing Process
Soft Pull Solutions integrates easily into your existing systems, enabling you to perform credit checks quickly and seamlessly. The result: faster approvals, fewer delays, and a more efficient refinancing process for both you and your clients.
Supporting Your Growth in the Refinancing Industry
Soft Pull Solutions is designed to integrate seamlessly into your existing systems, offering customizable API options to fit your unique business needs. By using our platform, refinance companies can enhance operational efficiency, reduce overhead costs, and serve more clients with accuracy and speed.
Our secure, reliable credit reporting solutions ensure your company remains compliant with industry standards, so you can focus on offering the best service to your clients while growing your business with confidence.
Additional Services to Enhance Your Business
Custom API Integration: Integrate our platform seamlessly into your existing systems to perform both soft and hard pulls, analyze red flags, and more.
Hard Pull Credit Reports: For clients needing full financial scrutiny, our hard pull option provides a comprehensive credit profile.
Public Records Access: Gain insights into public records, including liens, judgments, and bankruptcies, to assess client risk more effectively.
Income and Employment Verification: Instantly verify client income and employment to ensure your refinancing offers are based on accurate financial data.
Let Soft Pull Solutions help you streamline your refinancing services while protecting your clients and growing your business. Contact us today to learn more about integrating our platform into your process!
Additional Reports & Features
When you sign up with Soft Pull Solutions, you’ll have access to a variety of other detailed reports and services designed to meet your specific business needs. Click the button to view a full list of reports available to your account.
Difference Between Soft & Hard Pulls
| What Is Different? | Soft Pulls | Hard Pulls |
| Impact on consumer credit? | No | Yes |
| Social Security Number required? | No | Yes |
| Date of Birth required? | No | Yes |
| Does running an inquiry create trigger leads? | No | Yes |
| Do you need to print a Risk-Based Pricing Notification and give it to the consumer after you pull the report? | No | Yes |
| Is it a full credit report? | Yes | Yes |
| Is a FICO Score included with the report? | Yes | Yes |
| Is the report sufficient for tenant screening purposes? | Yes | Yes |
| Can I get consent over the phone? | Yes | Yes |
See the Difference Firsthand
Click below to view a sample soft pull report and discover how it can streamline your processes today!