Prequalification Credit Report Canada

A soft-inquiry, Beacon-score credit file that lets Canadian lenders, fintechs and marketplaces pre-qualify a consumer (or small business guarantor) without posting a hard inquiry or triggering trigger-marketing from the other bureau. The API or SFTP call returns the full Equifax File One® tradeline section, inquiries, public-record alerts and an optional Beacon 9.0 or VantageScore 4.0—all in ≤ 2 seconds. Because it’s a “consent-based soft hit,” the borrower’s score is untouched and can be promoted to a hard pull or dual-bureau merge later by flipping a single flag in the same XML.