iSoftpull
iSoftpull is a U.S. credit reporting technology platform that, as an authorized reseller of Equifax, TransUnion, Experian, and FICO, delivers soft- and hard-pull credit reports, pre-qualification APIs, fraud/OFAC screening, and income analysis to 500+ businesses across mortgage, lending, healthcare, home improvement, and automotive verticals.
- Company typePrivate
- Founded2017
- HeadquartersCarlsbad, United States
- Headcount11–50
- GTM typeB2B
- OfferingSoftware
What iSoftpull does
iSoftpull is a credit reporting technology platform founded in January 2017 and headquartered in Carlsbad, California, operating as an authorized reseller of Equifax, TransUnion, Experian, and FICO Scores. The company delivers soft and hard credit pulls, FICO and VantageScore scoring data, pre-qualification automation, fraud and sanctions screening (OFAC, MLA compliance, synthetic identity detection), predictive income analysis, and customizable credit-driven webforms. Its architecture centers on an API-first Integration Suite comprising four products — Intelligence Indicator, Credit Report & Score View, Full JSON Feed, and a Zapier connector — with the full data-feed tier gated by SOC 2 Type 2, ISO 27001, or PCI DSS compliance to support enterprise integrations.
The platform serves more than 500 businesses across at least six verticals: mortgage, business and personal loans, health and dental financing, home improvement (solar, windows, siding, HVAC), online lenders and brokers, and automotive/ATVs/RVs. Revenue is generated primarily through usage-based and per-transaction fees on credit data retrieval, soft-pull pre-qualifications, and bureau/FICO API access, with a freemium self-serve demo layer paired with direct sales engagement for enterprise deployments. Distribution combines PLG (self-serve onboarding, Zapier marketplace, free demo accounts) with direct sales (demo booking, phone support) and a content-led marketing program including a blog, "The Main Course" podcast, case studies, and a resource center.
Operationally, iSoftpull processes over 1.5 million credit reports annually, is privately held with 11–50 employees, and reports no institutional funding, parent company, or M&A activity in the source data. Geographic scope is U.S.-only, and its value proposition rests on reducing wasted spend on unqualified leads — soft-pull pre-qualification is positioned as a low-cost alternative to the ~$30 per tri-merge hard pull used in mortgage decisioning.
iSoftpull firmographics
Firmographics- Name
- iSoftpull
- Legal name
- iSoftpull
- Website
- https://isoftpull.com
- Company type
- Private
- Founded year
- 2017
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- iSoftpull is a U.S. credit reporting technology platform that, as an authorized reseller of Equifax, TransUnion, Experian, and FICO, delivers soft- and hard-pull credit reports, pre-qualification APIs, fraud/OFAC screening, and income analysis to 500+ businesses across mortgage, lending, healthcare, home improvement, and automotive verticals.
- Ownership category
- akta.pro rank
iSoftpull industry classification
Industry- Product category
- Credit Reporting Software
- NAICS
- Credit Bureaus (561450), Activities Related to Credit Intermediation (5223), Other Activities Related to Credit Intermediation (522390)
- SIC
- Services-Consumer Credit Reporting, Collection Agencies (7320)
- akta.pro primary industry
- Credit Bureaus & Consumer Credit Reporting Agencies (FSAKAKAA)
- akta.pro secondary industries
- Credit & Underwriting Data Services (alt data feeds, affordability, bureau augmentation) (FSAGACAH), Credit Education, Monitoring & Consumer Credit Management Tools (FSAKAKAJ)
Keywords
Where iSoftpull is headquartered
LocationHeadquarters
- HQ city
- Carlsbad
- HQ country
- United States
- HQ region
- North America
Markets served
iSoftpull business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Operations, Marketing or Sales, Infrastructure
Revenue model
- Credit Report API Access: Revenue generated from providing access to credit reports and FICO scores through API integrations. Users pay for credit data retrieval and analysis.
- Soft and Hard Credit Pulls: Revenue from executing soft and hard credit pulls from Equifax, TransUnion, and Experian on behalf of business customers.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Freemium | Monthly | Demo Account - Free |
Go-to-market motion1 record
Distribution channels4 records
Marketing channels6 records
iSoftpull product offering
Product offeringCore offering
iSoftpull operates an authorized reseller platform for major U.S. credit bureaus (Equifax, TransUnion, Experian) and FICO Scores, delivering credit reports, scores, identity risk analytics, and income analysis via APIs and web-based tools. It serves more than 500 lenders, brokers, and financial services companies across mortgage, consumer and business lending, health and dental financing, home improvement, online lending, and automotive/ATV/RV credit. The company processed more than 1.5 million credit reports annually through its Integration Suite and vertical-specific credit webforms.
Product overview
iSoftpull is a credit reporting technology platform operating as an authorized reseller of Equifax, TransUnion, Experian, and FICO® Scores. The platform is architected as a unified platform with multiple integrated modules: the core Credit Reports product delivers soft and hard pulls from all three bureaus; the Credit Scores module appends FICO® and VantageScore data; the Integration Suite exposes four API products (Intelligence Indicator, Credit Report & Score View, Full JSON Feed, and Zapier) for automated pre-qualification and CRM/data platform integration; Credit Webforms and Credit Intelligence enable custom pre-qualification workflows; the Identity Risk Suite provides OFAC screening, fraud alerts, credit freezes, and MLA compliance; and the Income Analysis Suite adds predictive income intelligence to credit reports. Together these products allow businesses to pre-qualify prospects using soft pulls, make automated lending decisions, and process full credit data within their own systems.
Differentiator
Problem solved
Functional benefit
Brands
- iSoftpull: The Main Course: A credit reporting podcast that showcases how businesses leverage technology to increase sales and efficiency.
Quantifiable outcome
- Saves $30 per tri-merge by prequalifying prospects with soft pulls before running expensive hard pulls
- +2 more outcomes
Companies that use iSoftpull
Customer profileNamed customers10 records
Segments6 records
Ideal customer profiles2 records
iSoftpull technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration1 record
AI capability5 records
Feature9 records
iSoftpull partnerships and signals
Strategic signalPartnerships
Four partnerships are on record, tiered core.
- EquifaxcoreiSoftpull is an authorized reseller of Equifax credit reports and data. Through this partnership, iSoftpull provides access to Equifax credit data, scores, and related products including ID Scan fraud protection and Personal Income View income assessment tools.
- TransUnioncoreiSoftpull is an authorized reseller of TransUnion credit reports and data. The partnership provides access to TransUnion credit information, IDVision fraud protection, and Debt-to-Income Estimator tools.
- ExperiancoreiSoftpull is an authorized reseller of Experian credit reports and data, providing customers with Experian credit information and API access.
- FICOcoreiSoftpull is an authorized reseller of FICO Scores, providing precise credit scoring solutions. All industry scoring models and versions are available through the platform.
Scale indicators2 records
Recent moves6 records
Expansion highlights5 records
iSoftpull competitors and assessment
Company assessmentEmerging players
- Persona: Persona is an identity verification platform serving online lenders, fintechs, and brokers with KYC, document verification, and synthetic identity detection. It overlaps with iSoftpull's Identity Risk Suite and competes for the same online-lender buyer.
- Plaid: Plaid is a fintech data-aggregation platform that has expanded into consumer-permissioned credit data, identity, and income verification. While broader in account aggregation, Plaid's Plaid Income, Plaid Identity, and consumer credit data products increasingly overlap with iSoftpull's pre-qualification and income analysis offerings.
- SentiLink: SentiLink builds identity fraud and synthetic identity detection APIs for lenders and fintechs. Its target customers and product capabilities overlap directly with iSoftpull's identity and synthetic fraud modules targeted at online lenders.
Direct peers
- MicroBilt: MicroBilt is an authorized reseller of all three major U.S. credit bureaus offering credit reporting, identity verification, and fraud APIs. It directly competes with iSoftpull for the same small-business lender, alternative-finance, and online lending customers needing soft-pull pre-qualification.
- IDology (GBG): IDology, now part of GBG, provides identity verification and fraud prevention APIs for online lenders, brokers, and financial institutions. Its identity risk suite directly overlaps iSoftpull's Identity Risk Suite, including synthetic identity and OFAC-equivalent screening use cases.
- Decision Logic (TransUnion): Decision Logic provides consumer credit reporting, verification, and decisioning APIs targeting small-business lenders and brokers — closely mirroring iSoftpull's small-lender pre-qualification focus. Owned by TransUnion, it also has advantages in upstream bureau data relationships.
Broad incumbents
- TransUnion Developer: TransUnion sells credit reports, trended data, and identity solutions (IDVision) directly via its developer platform. iSoftpull resells TransUnion while also competing with it for the same lender customers seeking self-serve credit and fraud APIs.
- Experian Developer: Experian's own developer platform sells credit reports, scores, identity verification, and decisioning APIs directly to businesses. As both iSoftpull's upstream data partner and a direct competitor in the same credit-reporting API market, this represents the most strategic competitive threat in iSoftpull's category.
- Equifax Developer: Equifax's developer portal exposes credit reporting, identity verification, and decisioning APIs. Like Experian, it is simultaneously iSoftpull's data supplier and a direct competitor offering comparable APIs to enterprise lenders.
- LexisNexis Risk Solutions: LexisNexis Risk Solutions is a large incumbent provider of credit, identity, fraud, and compliance data services to financial institutions. While much broader than iSoftpull, it overlaps heavily in identity risk, income estimation, and decisioning — iSoftpull's Identity Risk and Income Analysis modules address the same buyer problem set.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat4 records
Key risks5 records
Key highlights6 records
Customer concentration
iSoftpull social profiles
Digital presenceiSoftpull compliance and trust
Trust signalCompliance3 records
iSoftpull financial estimates
Financial estimateRevenue estimate
Valuation estimate
iSoftpull leadership team
Management profileNumber of profiles
iSoftpull funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
iSoftpull M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about iSoftpull
What does iSoftpull do?
iSoftpull operates an authorized reseller platform for major U.S. credit bureaus (Equifax, TransUnion, Experian) and FICO Scores, delivering credit reports, scores, identity risk analytics, and income analysis via APIs and web-based tools. It serves more than 500 lenders, brokers, and financial services companies across mortgage, consumer and business lending, health and dental financing, home improvement, online lending, and automotive/ATV/RV credit. The company processed more than 1.5 million credit reports annually through its Integration Suite and vertical-specific credit webforms.
Is iSoftpull a public or private company?
iSoftpull is a private company. It is classified as unknown and is currently operating.
When was iSoftpull founded?
iSoftpull was founded in 2017. It employs 11 to 50 people.
Where is iSoftpull based?
iSoftpull is headquartered in Carlsbad, United States, in the North America region.
How does iSoftpull make money?
Two revenue lines are on record. Credit Report API Access are the primary driver. The others are soft and Hard Credit Pulls.
Who are iSoftpull's main competitors?
Emerging players on record are Persona, Plaid and SentiLink. Direct peers are MicroBilt, IDology (GBG) and Decision Logic (TransUnion). Broad incumbents are TransUnion Developer, Experian Developer, Equifax Developer and LexisNexis Risk Solutions.
Does iSoftpull have an API?
Yes. iSoftpull offers multiple credit reporting APIs as part of its Integration Suite: (1) Intelligence Indicator API — provides instant pre-qualification decisions based on custom credit score parameters, returning a decision of whether an applicant meets underwriting criteria; (2) Credit Report and Score View API — pulls and displays full credit reports and FICO® scores within a company's CRM or data management platform; (3) Full JSON Feed API — ingests complete credit report data (tradelines, collections, inquiries, liens, judgments, credit scores) and stores it within the business's own digital platforms; (4) OFAC Check API — automates screening against the U.S. Treasury's Office of Foreign Assets Control Specially Designated Nationals and Blocked Persons List as part of the Identity Risk Management Suite. Security requirements for the Full JSON Feed API include SOC 2 Type 2, ISO 27001, or PCI DSS compliance. A sandbox testing environment is available. API documentation is developed for easy implementation with developer support provided. Developer documentation is at app.isoftpull.com/pricing.
What industry is iSoftpull in?
iSoftpull's product category is Credit Reporting Software. Its primary akta.pro industry code is FSAKAKAA, Credit Bureaus & Consumer Credit Reporting Agencies, with a secondary code of FSAGACAH, Credit & Underwriting Data Services (alt data feeds, affordability, bureau augmentation). Its NAICS code is 561450 and its SIC code is 7320.