Run a soft pull on any applicant, without touching their score.
Soft pull credit reports and scores from all three bureaus. Qualify applicants earlier, approve more of them, and save hard inquiries for the people who are actually going to close.
Qualify earlier. Waste less.
Every hard pull you run on someone who was never going to qualify costs you money, underwriter time, and an adverse action workflow.
A soft pull lets you sort applicants before any of that spend happens.
Prequalify applicants before they commit to a full application, so completion rates go up.
Route each applicant to the right product, tier, or lending partner based on real credit data.
Scrub purchased lead lists before your sales team spends time working them.
Review existing accounts for risk without pulling hard inquiries on your own customers.
Reduce declines, adverse action notices, and the operational cost that comes with both.
WHY CRS
Most soft pull providers stop at the soft pull.
If you later need identity verification, fraud signals, business credit, or portfolio monitoring, a single-product provider means a second vendor and a second compliance relationship.
No developers? Start in the portal.
You do not need an engineering team to run soft pulls. Start in a secure web portal and add the API whenever you are ready to automate.
Stop paying for hard pulls that were never going to close.
Tell us how you qualify applicants today. We will show you what a soft pull changes.
FAQ
Will this really not affect the applicant’s credit score?
Correct. A soft inquiry does not change the score and is not visible to other lenders reviewing the file.
Do we need a permissible purpose?
Yes. Every credit pull requires one. Our compliance team confirms yours during onboarding and matches it to the right products.
Do we need developers to use this?
No. You can order soft pull reports through a secure web portal. An API is available when you are ready to automate.
How long before we can pull our first report?
Most customers are credentialed and live in roughly two weeks. Bureau vetting is usually the longest step, and we manage it.
What does the vetting process require?
Typically a letter of intent, photo ID for the signer, and in some cases a site inspection. We send the full checklist upfront.
Can we move to hard pulls later?
Yes. Soft and hard inquiries run on the same credentials and the same integration. No second vendor required.
Is there a minimum volume?
CRS is built for businesses pulling credit consistently. If your volume is very low, we will tell you honestly rather than sell you something.