Online Credit Solutions

Soft Pull Solutions Webform Integration

Integrate Your Website to Our Portal

At Soft Pull Solutions, we know how important it is to give customers their own ability to start the credit and buying process. For this reason, we integrate a customer-facing web application that can be iframed directly to your website. The system can automatically send your online applicants a pre-approval letter in seconds (based on your minimum credit score criteria). Our program serves as a true lead generation tool and will send you alerts when a new lead has been submitted.

Credit Application on Your Webpage

Adding an online qualification tool helps you find creditworthy customers. The process is fast, simple, and affordable for both customers and lenders.

No impact on consumers' credit score
Customer's name and address is the only requirement
Access to all three bureaus
Full file credit report. No different than what you will see on a hard pull

Online Portal and Decisioning Engine

Our online portal allows you to generate new credit reports and access past profiles. Use our decisioning engine to speed up the process by matching customers to different lenders and/or different lending programs. Preset your criteria with attributes such as:

Debt to income ratio
Credit score
Number of open trade lines
Bankruptcies
Number of inquiries
And more...

All credit reports and credit documentation will be held in secure electronic vaults for later use. With this electronic vault, you won’t have to worry about lost files or searching through filing cabinets to find the documents you need.

Contact Soft Pull Solutions today to learn more about our online credit solutions!

How the Decisioning Engine Works

The Soft Pull Solutions decisioning engine automates the prequalification process from the moment a consumer submits an online credit application. Rather than manually reviewing each application, you configure your criteria in advance — and the system does the work for you.

When an applicant submits the form, the soft pull credit report is run instantly and evaluated against your preset thresholds. The engine can be configured with criteria including:

Minimum credit score
Maximum debt-to-income ratio
Number of open tradelines
Bankruptcy history
Number of recent credit inquiries
And more

Based on the results, the system automatically routes applicants to the appropriate lender or lending program, triggers a pre-approval letter if criteria are met, and alerts your team in real time. The result is a consistent, criteria-based decision on every application — without manual review bottlenecks, human error, or delays.

For businesses managing high application volume, this means faster follow-up, fewer missed leads, and a more professional applicant experience from first contact.

Secure Document Storage — Built for Compliance

Every credit report, pre-approval letter, and piece of credit documentation generated through Soft Pull Solutions is automatically stored in a secure electronic vault — accessible any time through your portal.

Key features of the document vault:

Retention for up to 10 years
Instant retrieval by applicant name, date, or report ID
No physical files, filing cabinets, or manual archiving required
Supports audit-ready compliance documentation for lenders and regulated businesses
Role-based access controls so the right people see the right records

For lenders and compliance-conscious businesses, the vault eliminates one of the most common pain points in credit operations: finding documentation when you need it. Whether it's an internal audit, a regulatory review, or simply following up on an applicant from six months ago, every record is where you left it.

Frequently Asked Questions

Can I embed a credit application directly on my website?

Yes. Soft Pull Solutions provides a white-labeled credit application that embeds directly into your website via iFrame. The form can be configured to match your branding and placed on any page — such as a Get Prequalified page, a financing page, or a landing page. When a consumer submits the form, a soft pull credit report is run instantly and you receive a real-time alert with the applicant's information.

Will the online credit application affect the consumer's credit score?

No. The online credit application runs on a soft pull credit inquiry, which does not impact the consumer's credit score and does not appear as a hard inquiry on their credit report. This makes it easier for consumers to complete the application without hesitation, increasing form completion rates and lead volume.

What information does the consumer need to provide to complete the application?

Only the consumer's name and current address are required to run a soft pull credit report. Unlike a hard pull application, no Social Security Number or Date of Birth is needed. This lower barrier to entry makes it significantly easier for consumers to start the prequalification process online.

How does the automated decisioning engine work?

The decisioning engine evaluates each applicant's credit report against criteria you configure in advance, such as minimum credit score, maximum debt-to-income ratio, number of open tradelines, bankruptcy history, and number of recent inquiries. Based on those thresholds, the system can automatically match applicants to different lenders or lending programs, route applications to the appropriate team, and trigger automated pre-approval letters — all without manual review. This reduces the time between application submission and first contact, and ensures consistent, criteria-based decisions across every applicant.

How does the automated pre-approval letter work?

Once an applicant submits the online credit form and the soft pull is run, the system can automatically send the consumer a pre-approval letter within seconds — based on whether they meet your configured minimum credit score criteria. The letter is delivered without any manual intervention, giving consumers immediate feedback and keeping them engaged in the process while your team prepares for follow-up.

Where is applicant data and credit documentation stored?

All credit reports, pre-approval letters, and related documentation are stored in a secure electronic vault accessible through the Soft Pull Solutions portal. Documents are retained for up to 10 years, eliminating the risk of lost files and supporting compliance requirements for lenders and other regulated businesses. You can access any past applicant's credit report and documentation at any time without searching through physical filing systems.

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 or to schedule a meeting.

Product Summaries Schedule A Meeting

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