Prequalification with FICO (Mortgage)

A lender-facing Equifax service that lets you pull the borrower’s complete File One® credit report and a FICO® Classic 5 mortgage score (or Beacon 9.0 / VantageScore 4.0) under a soft inquiry. Because the pull is coded “mortgage pre-qualification,” the borrower’s score is untouched, rival bureaus never see the inquiry (no trigger marketing), and you keep the option to “promote” the very same file to a hard inquiry—or to a bi- / tri-merge—later by flipping one flag in the ACRO XML / MISMO feed.