Prequalification Credit Report

A consumer-consented, soft-inquiry version of Experian’s full File One® report: all trade-lines, inquiries, public-record alerts and optional VantageScore® or FICO® land in ≤ 2 seconds through Experian’s API Hub, MISMO feed or SFTP batch. Because the pull is a soft inquiry, the borrower’s score is untouched and rival lenders see no trigger data; if the consumer proceeds, the same call can be upgraded to a hard pull (or to a tri-merge) with a single flag change