iSoftPull

Status: Integrated
Website: https://www.isoftpull.com/
Credentials: Through Partner (Connector)
Description:

iSoftpull provides credit-reporting software and APIs that let businesses run soft (and hard) credit checks to view full consumer credit reports and FICO® Scores—primarily via Equifax and TransUnion, with integrations positioned for all three major bureaus—so teams can pre-qualify customers without impacting their credit score and streamline financing workflows.

Products offered via RiskOS™

Product Name	Description	RiskOS™ Use Cases
Full Feed API	The Full JSON Feed API provides platforms with full credit report (trade lines, collections, inquiries, liens and judgements where available) and credit score(s).	Consumer Credit, Underwriting

Example API response

Full Feed API Response

{
"full_feed": {
  "credit_score": {
    "fico_4": {
      "score": 500,
      "reason_codes": [
        "INSUFFICIENT NUMBER OF VEHICLE LOANS OR LEASES",
        "INSUFFICIENT NUMBER OF BANKCARD ACCOUNTS"
      ]
    },
    "fico_8": {
      "score": "NA",
      "no_score_reason": ["insufficientCredit"]
    },
    "vantage_4": {
      "score": 400,
      "reason_codes": [
        "TOO MANY FINANCE COMPANY INSTALLMENT LOANS",
        "TOO MANY FINANCE COMPANY LOANS"
      ]
    }
  },
  "personal_information": {
    "first_name": "Steve",
    "middle_name": "",
    "last_name": "Johnson",
    "aka": "Steve -o"
  },
  "address_history": {
    "current": [
      {
        "street": "3557 LANCER WAY",
        "city": "CARLSBAD",
        "state": "CA",
        "zip": "92008",
        "possession_type": "Own",
        "date_reported": "11/01/2020"
      }
    ],
    "previous": [
      {
        "street": "1 PIRATES COVE WAY",
        "city": "OCEANSIDE",
        "state": "CA",
        "zip": "92054",
        "possession_type": "Rent",
        "date_reported": "10/18/2017"
      }
    ]
  },
  "employment_history": {
    "current": [
      {
        "name": "OHS",
        "occupation": "TEACHER",
        "date_reported": "02/20/2020"
      }
    ],
    "previous": [
      {
        "name": "CARLSBAD UNITED SCHOOL DISTRICT",
        "occupation": "TEACHER",
        "date_reported": "01/15/2015"
      }
    ]
  },
  "identity_risk": {
    "ofac": {
      "search_status": "Nothing to report",
      "message": "N/A"
    },
    "mla": {
      "covered_borrower_status": "Yes",
      "referral_contact_number": null,
      "message": null
    },
    "tru_validate": {
      "message": "TruValidate Fraud Alerts clear/clear for all searches performed"
    },
    "identity_scan": {
      "message": "IDENTITY SCAN DID NOT DETECT ANY ALERTS"
    },
    "fraud_shield": {
      "times_address_used_in_last_90_120_days": "5",
      "address_accumulation_start_date": "01/04/2004",
      "date_of_birth": "01/04/1960",
      "date_of_death": "01/04/2014",
      "address_information": "42150100",
      "times_social_used_in_last_90_120_days": "5",
      "social_accumulation_start_date": "01/04/2004",
      "first_year_possible_for_ssn_issuance": "01/04/1990",
      "last_year_possible_for_ssn_issuance": "01/04/2014",
      "type": "Inquiry address message",
      "text": "Text",
      "indicators": "INQUIRY/ONFILE CURRENT ADDRESS CONFLICT"
    }
  },
  "income_analysis": {
    "credit_vision_income_estimator": "$500000",
    "debt_to_income_estimator": "2%",
    "consumer_income_view": "$20000"
  },
  "trade_accounts": [
    {
      "company": "SYNCB/HDFURN",
      "account_status": "Open",
      "account_rating": "Paid or paying as agreed",
      "sales_indicator": "Sold to: ABC DEBT BUYER",
      "account_number": "603463807603",
      "account_type": "Charge Account",
      "portfolio_type": "revolving",
      "responsibility": "individual",
      "payment_frequency": "Monthly",
      "terms": "360 months",
      "date_of_opening": "07/15/2021",
      "date_reported": "05/22/2022",
      "date_of_closure": "02/25/2022",
      "balance": "000002158",
      "high_balance_amount": "000002158",
      "original_loan_amount": "000002158",
      "high_credit": "000002158",
      "credit_limit": "000002000",
      "monthly_payment_amount": "000000557",
      "actual_payment_amount": "557",
      "past_due": "000000530",
      "last_activity_date": "01/01/2022",
      "last_payment_date": "10/12/2021",
      "most_recent_payment_amount": "557",
      "deferred_date": "12/01/2020",
      "balloon_due_amount": "125",
      "balloon_due_date": "12/30/2021",
      "remarks": "Profit and loss write-off",
      "months_reviewed": "09",
      "30_day_delinquencies": "01",
      "60_day_delinquencies": "01",
      "90_day_delinquencies": "03",
      "max_delinquency_date": "08/01/2020",
      "payment_history": "1,1,1,1,1,1,4,1,1,2,1,4,1,1,1,4,1,1,4,1,3,1,1",
      "payment_history_start_date": "05/22/2022"
    }
  ],
  "inquiries": [
    {
      "company": "CREDCO",
      "date": "08/14/2021",
      "industry": "Miscellaneous"
    }
  ],
  "statements": [
    {
      "date_reported": "07/22/2020",
      "statement": "I did not make this charge. This is fraud."
    }
  ],
  "collections": [
    {
      "subscriber": "ABC Fund",
      "original_credit_grantor": "Bank of CA",
      "account_type": "Collection Agency/Attorney",
      "portfolio_type": "revolving",
      "responsibility": "individual",
      "date_assigned": "12/13/2021",
      "date_reported": "04/01/2022",
      "balance": "2000",
      "original_loan_amount": "2000",
      "last_payment_date": "12/13/2021",
      "original_creditor_type": "retail"
    }
  ],
  "public_record": [
    {
      "industry_code": "Automobile",
      "type": "Chapter 11 bankruptcy voluntary dismissal",
      "date_filed": "05/24/2018",
      "plaintiff": "Johnson's Automart",
      "court": "Superior Court",
      "status": "Bankruptcy Chapter 13-petition filed",
      "ecoa": "Individual"
    }
  ]
}
}

Data dictionary

Full Feed API Data Dictionary

Field	Type	Description
full_feed_link	URL (String)	Temporary URL to the PDF report; typically expires in ~15 minutes.
full_feed	Object	Container for all sections below.
`credit_score.<model>.score`	Integer \| "NA"	Score for a model (e.g., `fico_4`, `fico_8`, `vantage_4`).
`credit_score.<model>.reason_codes`	Array<String>	Reason codes that contributed to the score (when present).
`credit_score.<model>.no_score_reason`	Array<String>	Reasons a score is unavailable.
personal_information.first_name	String	Applicant first name.
personal_information.middle_name	String \| null	Applicant middle name.
personal_information.last_name	String	Applicant last name.
personal_information.aka	String \| null	“Also Known As” name on file (if any).
address_history[].street	String	Street address (entries under `current` and `previous`).
address_history[].city	String	City.
address_history[].state	String	State.
address_history[].zip	String	ZIP code.
address_history[].possession_type	String	Own/Rent indicator (spelled as shown in feed).
address_history[].date_reported	String (mm/dd/yyyy)	Date address was reported.
employment_history[].name	String	Employer name.
employment_history[].occupation	String	Occupation title.
employment_history[].date_reported	String (mm/dd/yyyy)	Date reported to bureau (if available).
identity_risk.ofac.search_status	String	OFAC screening status (optional add-on).
identity_risk.ofac.message	String	OFAC message/details (optional add-on).
identity_risk.mla.covered_borrower_status	String	MLA covered borrower status (optional add-on).
identity_risk.mla.referral_contact_number	String \| null	MLA contact number (optional add-on).
identity_risk.mla.message	String \| null	MLA message/details (optional add-on).
identity_risk.tru_validate.message	String	TransUnion Fraud Alert (TruValidate) message (optional add-on).
identity_risk.identity_scan.message	String	Equifax ID Scan alert message (optional add-on).
identity_risk.fraud_shield.times_address_used_in_last_90_120_days	String	Count of recent uses of address.
identity_risk.fraud_shield.address_accumulation_start_date	String	Start date for address accumulation.
identity_risk.fraud_shield.date_of_birth	String	DOB on file (if present).
identity_risk.fraud_shield.date_of_death	String	DOD on file (if present).
identity_risk.fraud_shield.address_information	String	Address info code/text.
identity_risk.fraud_shield.times_social_used_in_last_90_120_days	String	Count of recent SSN uses.
identity_risk.fraud_shield.social_accumulation_start_date	String	Start date for SSN accumulation.
identity_risk.fraud_shield.first_year_possible_for_ssn_issuance	String	Earliest possible SSN issue year.
identity_risk.fraud_shield.last_year_possible_for_ssn_issuance	String	Latest possible SSN issue year.
identity_risk.fraud_shield.type	String	Message type.
identity_risk.fraud_shield.text	String	Message text.
identity_risk.fraud_shield.indicators	String	Indicator summary (e.g., “address conflict”).
income_analysis.credit_vision_income_estimator	String	TransUnion income predictor (annual).
income_analysis.debt_to_income_estimator	String	TransUnion DTI estimator.
income_analysis.consumer_income_view	String	Equifax income predictor (annual).
trade_accounts[].balance	String	Current balance amount.
trade_accounts[].high_balance_amount	String	Highest balance reported.
trade_accounts[].original_loan_amount	String	Original loan amount (if applicable).
trade_accounts[].high_credit	String	Highest credit.
trade_accounts[].credit_limit	String	Credit limit.
trade_accounts[].monthly_payment_account	String	Scheduled monthly payment.
trade_accounts[].actual_payment_amount	String	Most recent actual payment amount.
trade_accounts[].past_due	String	Past due amount.
trade_accounts[].last_activity_date	String	Date of last activity.
trade_accounts[].last_payment_date	String	Date of last payment.
trade_accounts[].most_recent_payment_amount	String	Amount of most recent payment.
trade_accounts[].deferred_date	String	Deferred date, if present.
trade_accounts[].balloon_due_amount	String	Balloon payment amount, if present.
trade_accounts[].balloon_due_date	String	Balloon due date.
trade_accounts[].remarks	String	Remarks/notices on account.
trade_accounts[].months_reviewed	String	Number of months reviewed.
trade_accounts[].30_day_delinquencies	String	Count of 30-day lates.
trade_accounts[].60_day_delinquencies	String	Count of 60-day lates.
trade_accounts[].90_day_delinquencies	String	Count of 90-day lates.
trade_accounts[].max_delinquency_date	String	Date of max delinquency.
trade_accounts[].payment_history	String	Comma-separated payment codes.
trade_accounts[].payment_history_start_date	String	Start date for `payment_history`.
inquiries[].company	String	Inquiring company.
inquiries[].date	String	Inquiry date.
inquiries[].industry	String	Industry of the underlying credit product.
statements[].date_reported	String	Date statement was reported.
statements[].statement	String	Consumer statement text.
collections[].original_credit_grantor	String	Original creditor.
collections[].account_type	String	Account type (e.g., card, mortgage, etc.).
collections[].portfolio_type	String	Loan type (revolving, installment, etc.).
collections[].responsibility	String	Individual/joint, etc.
collections[].date_assigned	String	Date assigned/opened.
collections[].date_reported	String	Date reported.
collections[].balance	String	Current balance.
collections[].original_loan_amount	String	Original amount.
collections[].last_payment_date	String	Most recent payment date.
collections[].original_creditor_type	String	Original creditor category.
public_record[].industry_code	String	Bureau industry code.
public_record[].type	String	Public record type.
public_record[].date_filed	String	Filing date.
public_record[].plaintiff	String	Plaintiff name.
public_record[].court	String	Court name.
public_record[].status	String	Record status.
public_record[].ecoa	String	ECOA code.