Easy-to-implement credit report & score APIs
One account, one api, all three credit bureas

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One API all three
credit bureaus

Unlock seamless credit reporting access with iSoftpull! As our valued customer, you’ll gain instant access to all three major credit bureaus—Experian, TransUnion, and Equifax—without the hassle of managing separate accounts. With one simple agreement and a single API integration, you’ll have everything you need at your fingertips, including Vantage and FICO® scores. Say goodbye to the complexity of multiple connections and hello to streamlined efficiency with iSoftpull. Join us today and experience the ultimate convenience in credit data management!

FICO® Score, Equifax, TransUnion, and Experian logos displayed within a white rectangle.

API and Bureau Pricing

Full JSON API

Report + Score View API

Decisioning API

Zapier

Webforms

Full Reports

All Score Models

*Per report price varies by bureau and score type

Full JSON API

Report + Score View API

Decisioning API

Zapier

Webforms

Full Reports

All Score Models

See All Features

Full JSON API

Report + Score View API

Decisioning API

Zapier

Webforms

Full Reports

All Score Models

See All Features

3 Social profiles

12 Team members

5 Competitors per profile

Hashtags per profile

Custom dashboard

Tags and mentions

On-boarding call

See Full Comparison

3 Social profiles

12 Team members

5 Competitors per profile

Hashtags per profile

Custom dashboard

Tags and mentions

On-boarding call

See Full Comparison

3 Social profiles

12 Team members

5 Competitors per profile

Hashtags per profile

Custom dashboard

Tags and mentions

On-boarding call

See Full Comparison

Get Demo Account

We have the credit API your business needs

Whether your goal is to pull and view credit data in your CRM, perform automated underwriting, or integrate credit data into your call center, iSoftpull has you covered!

Green circle with check mark inside with text reading pre-qualified depicting an approval message that would be displayed on a soft credit report.

Do you need the data, or just a decision?

If you just need a decision if an applicant meets your underwriting criteria, this API is for you. In short, you send us your customer's Personally Identifiable Information (PII), and we return a result of whether your candidate meets your underwriting criteria. Simply log into our platform, set up your criteria, connect your API, and voila you're automated pre-qualification APIs are set!

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Two rectangular software windows depicting a credit score response message on a consumer with yellow and green icons and fico credit scores.

View your clients credit report and score from within your CRM.

Instantly pull your clients credit from within your company's CRM or other data management software. View results and manage data from the convenience of one central location.

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Get full credit reports and store credit data from within your own platform.

Pull credit reports, view and store your consumers' credit data within your business' digital platforms. Enjoy the convenience of having all your credit reporting activities integrated within your digital ecosystem.

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Zapier

With Zapier you can seamlessly connect iSoftpull to all of your favorite apps with no coding required. Using Zapier's user-friendly interface, you can set up automated workflows and streamline your processes to increase productivity.

Transforming the API process for thousands of companies

Feature/Use

Soft Pulls

Hard Pulls

Agency

Social profiles

Unlimited

Team members

Unlimited

100

Unlimited

Competitors per profile

500

Industry Benchmark

Conversations

Tags and mentions

Monitoring

Conversations

Comments export

Customized feeds

Additional feed

Tags and mentions feed

Get Started Get Started Get Started

Available FICO Models

Data on the Reports

Equifax

TransUnion

Experian

Most Widely Used Versions

FICO® Score 9
FICO® Score 8

Versions Used in Auto Lending

FICO® Auto Score 9
FICO® Auto Score 8
FICO® Auto Score 5

FICO® Auto Score 9
FICO® Auto Score 8
FICO® Auto Score 4

FICO® Auto Score 9
FICO® Auto Score 8
FICO® Auto Score 2

Versions used in credit card decisioning

FICO® Bankcard Score 9
FICO® Bankcard Score 8
FICO® Bankcard Score 5

FICO® Bankcard Score 9
FICO® Bankcard Score 8
FICO® Bankcard Score 4

FICO® Bankcard Score 9
FICO® Bankcard Score 8
FICO® Bankcard Score 2

Newly released versions

FICO® Score 10
FICO® Auto Score 10
FICO® Bankcard Score 10
FICO® Score 10T

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Here is a skeleton of the full feed response:

‍ "full_feed_link": "https://isoftpull-production-new.s3.amazonaws.com/qasdwzxcvef4ak6ixely3fg2734?response-***", "full_feed": { "credit_score": { }, "personal_information": { }, "address_history": { }, "employment_history": { }, "identity_risk": { }, "income_analysis": { }, "trade_accounts": [ { }, ], "inquiries": [ { } ], "statements": [ { } ], "collections": [], "public_record": [] }

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API Testing Features

Free Sandbox

Dedicated testing environment that enables you to run test credit reports.

Postman

Our postman instance has features such as request builders, response visualizations, and test automation to ensure testing easy and efficient!

Intelligence

Test custom intelligence tiers that allow you to segment your leads based on their credit, without needing to build it yourself.

Credit Report Data

Trade Accounts

The tradelines in a response includes information about a credit account, including the lender's name, account type, and whether it's individual or shared. It shows the account’s status (open or closed), payment history, balance, credit limit or loan amount, and required payments. Key dates, such as when the account was opened, last used, or last updated, are also included.

Personal & Employment Info

Each report contains personal information such as a person’s full name, current and previous addresses, and employment details, including their employer’s name and occupation. This information helps verify the individual’s identity and provides context for their credit history.

Collections & Public Records

Reports also provide details on collections information, including the name of the collection agency, the outstanding balance, and the date the account was reported. Additionally, any public records associated with the credit report are included. These sections assist lenders in evaluating past delinquencies and the individual’s ability to handle debt.

Inquiries & Statements

The inquiry section shows when a consumer's credit was reviewed by lenders or authorized parties. Consumer statements are personal notes added by an individual to explain details on their report, such as disputes or unique circumstances. Both sections provide important context for lenders when reviewing your credit.

Identity Risk Suite

Pinpointing identity misuse that may lead to:

Payment defaults, charge offs, and fraud-related costs. These Identity Risk solutions help detect true name and synthetic fraud, application velocity, identity relational and behavioral anomalies, SSNs belonging to deceased persons or minors, consumer statements on credit files, identity verification issues, social security number issuance and misuse, address misuse, phone number misuse, synthetic fraud, and more!

Illustration of a smart phone with a fishing hook intersecting it to illustrate phising scams.

iSoftpull's Identity Risk allows organizations to pinpoint Red Flags, Know-Your-Customer (KYC) and Fraud.

iSoftpull's Identity Risk add-on solution helps to uncover issues associated with consumer identities at the beginning of the sales cycle. These Identity Risk Alerts are designed to help organizations reduce fraud and compliance losses related to today's sophisticated identity schemes.

Large red shield with Fraud text underneath and different blue circles with consumer icons floating around the fraud icon.

Income Analysis Suite

Modeled after Adjusted Gross Income as reported on the Form 1040

This enhanced solution is built on the enriched data and analytics of TransUnion CreditVision®, featuring monthly spend data and up to 30 months of extended account history. The model was validated using verified Adjusted Gross Income as reported on the Form 1040 U.S. Individual Income Tax Return (whether filed jointly or separately). The result? A much more accurate view of a consumer’s total income.

Image of a 1040 income tax form with a magnifying glass and calculator buttons nearby.

Improve marketing segmentation and understand potential risk at every stage of the customer lifecycle—

from acquisition to account management to collections— with our highly advanced income estimator tool.

A web of people illustrating a sales funnel showing different market segments.

Debt-to-Income Estimator

Want a quick glance at your prospect's current debt-to-income ratio?
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The Debt-to-Income estimator uses the Income Estimator output and compares it to the total monthly debts displayed on the TransUnion credit report and outputs a highly predictive DTI.