Experian Power Profile Report (Hard Inquiry)

Power Profile is Experian’s full-file consumer credit report requested under the ordinary “extension-of-credit” permissible purpose, so it posts a hard inquiry that is visible to other lenders and may affect the borrower’s score. Lenders get the complete File One® report (trade lines, public records, inquiries, Fraud Shield, trended data and optional FICO / VantageScore) in < 2 s via REST/XML, SFTP, MISMO 2.x or the Experian Mortgage Connect plug-in. It’s the same data set used in a tri-merge, but because it comes straight from Experian you avoid cross-bureau trigger marketing and can decide if/when to pull the other repositories.