Home > Credit > Additional Functionalities > Soft Pull

Soft Pull

A Soft Inquiry, or Soft Pull, is a term used to refer to an inquiry into an applicant’s credit history that does not adversely affect the credit score. Leveraging a single-bureau, Soft-Inquiry credit pull with a FICO score, mortgage bankers and lenders can now easily perform an initial non-decisionable credit check without negatively impacting a consumer’s credit score. This helps consumers to better understand their credit standing and the loan products and services for which they may qualify for.

1. Soft Pull without SSN

Corelogic Credco and CBC Factual Data (FD) supports Soft Pull without SSN. For CBC FD, the SSN attribute must be sent as 000-00-000.

In FinConnect a Soft Pull request is made by providing the following values for the respective attributes:

Attribute	Value
creditReportType	OTHER
creditReportTypeOtherDescription	SOFTQUAL_NO_SSN

Service Providers	Product Code
CBC FD product code	CBC_CRE_1
Corelogic Credco Product Code	CLC_CDC_1
MeridianLink - UCS	UCS_CRE_SER
Avantus®	AVT_CRE_SER

Attribute	Value
Supported Operations	Submit Request

Click to download: CBC FD sample Request Response and Credit Report files

Click to download: Credco Corelogic sample Request Response and Credit Report files

Click to download: MeridianLink - UCS One and Two Borrower sample Request and Response files

Click to download: Avantus sample Request and Response files

2. Soft Pull with SSN

Corelogic Credco, Informative Research, and Equifax supports Soft Pull with SSN.

In FinConnect a Soft Pull request is made by providing the following values for the respective attributes:

Attribute	Value
creditReportType	OTHER
creditReportTypeOtherDescription	SOFTQUAL

Service Providers	Product Code
Corelogic Credco	CLC_CDC_1
Equifax	EQF_CRE_1
Informative Research	IR_CRE_SER
Avantus®	AVT_CRE_SER

Attribute	Value
Supported Operations	Submit Request, Reissue Request

Click to view: sample Report from Corelogic

Click to view: sample Report from Informative Research

Click to view sample Request and Response for: Submit Request, Reissue Request

Click to download: Avantus sample Request and Response files

There are two ways of sending the credit repository information to the service provider:

service request
FinConnect integrations settings

The following are the precedence scenarios to get the credit repository information:

When the credit Soft pull or Hard pull request does not have the credit repository information, FinConnect fetches the credit repository information from the integration setting, updates the payload and submits the request to the service provider.
When the credit Soft pull or Hard pull request has the credit repository information, FinConnect does not override the details in the request with the integration settings. FinConnect processes the details in the request and submits the same to the service provider.
When the request has partial credit repository information, FinConnect considers only the details in the request and submits the same to the service provider.