What Soft Pull Solutions does

Soft Pull Solutions, LLC is a Bakersfield, California-based credit reporting services company operating as an authorized reseller of consumer and business credit data from all three major U.S. credit bureaus (Equifax, TransUnion, Experian). The company, organized as a California LLC, sells an API-first platform branded TriBureau Credit Access that enables businesses to run both soft and hard credit pulls through a single integration. Its soft-pull product is differentiated by requiring no SSN and no date of birth, producing no impact on consumer credit scores and no trigger leads, while its hard-pull product supports full FCRA-compliant underwriting. The platform bundles 40+ reports and verification modules — including income and bank verification, debt-to-income analysis, ID verification and fraud detection, employment verification, UCC searches, bankruptcies/liens/judgments, eviction and tenant screening, business credit reports, property reports, background checks, compliance management, and monitoring — with newer 2026 additions covering 4506-C IRS tax transcript verification, SSA-89 social security verification, and 8821 tax transcript access aimed at mortgage lenders.

The company monetizes primarily through usage-based fees on credit reports and verification pulls, complemented by recurring API access fees and transaction fees on verification products. Pricing is not publicly disclosed; tiered volume pricing is offered for high-volume customers, and onboarding requires a virtual or on-site inspection and credentialing process typically completed in 1-2 weeks. Distribution spans self-serve website signup, direct API integration, an integration partner program, native Salesforce integration, phone-based consent capture, and embedded digital credit applications. Marketing is largely organic — website content, blog, YouTube tutorials, and earned media via press releases — supplemented by Calendly-driven demo scheduling and a published phone line.

Soft Pull Solutions is a small private LLC with 1-10 employees serving nine distinct verticals: mortgage lenders (its primary segment), tenant screening, automotive dealerships, personal and business loans, home improvement and construction, tax relief, medical professionals, hard money loans and real estate, and private lenders and brokers. Customer testimonials indicate an SMB-heavy mix with no large enterprise anchors disclosed. The company holds no patents and discloses no proprietary AI/ML models; its primary AI exposure is a text-based outreach automation feature integrated into mobile-first prequalification workflows. It is not venture-backed, has no disclosed funding history, and operates exclusively within the United States.

Name

Soft Pull Solutions

Legal name

Soft Pull Solutions LLC

Website

https://softpullsolutions.com

Company type

Private

Founded year

2016

Operating status

Operating

Headcount range

1–10 employees

Short description

Soft Pull Solutions is a Bakersfield-based authorized reseller of U.S. tri-bureau credit data, offering an API-first platform with soft and hard credit pulls, identity and income verification, and 40+ consumer and business reports to SMBs across mortgage, lending, tenant screening, and adjacent verticals.

Ownership category

akta.pro rank

Product category

Credit Reporting Services

NAICS

Credit Bureaus (56145)

SIC

Services-Consumer Credit Reporting, Collection Agencies (7320)

akta.pro primary industry

Credit Bureau Reporting & Dispute Management Support (FCRA/CRA Ops) (BPAAAEAI)

akta.pro secondary industry

Skip Tracing & Contact Data Services (FSAKAJAE)

Keywords

• Credit reporting services
• Credit reporting API
• Borrower verification
• Tenant screening
• FCRA compliance

Headquarters

HQ city

Bakersfield

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

Technology or R&D, Personnel, Operations, Marketing or Sales, Infrastructure

Revenue model

1. Credit Report Services: Revenue generated from providing access to credit reports from the three major credit bureaus. The company offers both soft and hard pull options. Pricing appears to be volume-based with tiered pricing available for high-volume users. Setup involves inspection and credentialing requirements.
2. API Access and Integration Services: Revenue from API integration services enabling real-time credit data access and automation for underwriting, risk assessment, and decision workflows. Sold to businesses in lending, housing, automotive, and professional services sectors.
3. Verification Services: Additional verification services including income verification (4506-C, 8821), social security verification (SSA-89), employment verification, bank verification, and ID verification. These complement core credit reporting services.

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels7 records

Core offering

Soft Pull Solutions is an authorized reseller of credit report services that delivers a unified API and portal for soft and hard credit pulls from Equifax, TransUnion, and Experian. The platform bundles over 40 consumer and business reports — credit reports, background checks, eviction, bankruptcies/liens/judgments, UCC, business credit, property, and verification services (income, bank, employment, ID) — with FCRA compliance tools and pre-built integrations into Salesforce, phone systems, and digital credit applications for lenders, brokers, dealerships, and property managers.

Product overview

Soft Pull Solutions is an authorized reseller of credit report services offering a unified platform with multiple integrated modules. The core offering is the TriBureau Credit Access platform providing real-time soft and hard pull access to all three credit bureaus (Equifax, TransUnion, Experian). The platform supports 40+ consumer and business reports including credit reports and scores, income verification, ID verification, employment verification, business credit reports, UCC searches, bankruptcies/liens/judgments, eviction searches, property reports, and background checks. Recent additions include 4506-C IRS Tax Transcript Verification, SSA-89 Social Security Verification, and 8821 Tax Transcript Access services for mortgage lender income and identity verification. The platform integrates via API, Salesforce, phone systems, and digital credit application connectors, serving lending, housing, automotive, tenant screening, and professional services industries.

Differentiator

Problem solved

Functional benefit

Brands

• TriBureau Credit Access: Platform offering soft and hard credit pulls via API-driven system designed for automation and compliance, enabling access to comprehensive credit data from all three major credit bureaus.

Products and services

• Soft Pull Credit Reports Real-time access to full credit reports and FICO scores from all three major credit bureaus (Equifax, TransUnion, Experian) via soft pull with no impact on consumer credit scores, no SSN required, and no trigger leads generated; used by lenders, brokers, and businesses to prequalify applicants.
• Hard Pull Credit Reports Full credit reports with FICO scores from all three bureaus for lending inquiries; impacts consumer credit scores and triggers FCRA-required disclosures and risk-based pricing notifications, intended for formal loan underwriting decisions.
• TriBureau Credit Access Platform

Named customers3 records

Segments9 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration5 records

AI capability2 records

Feature5 records

Partnerships

One partnership is on record.

• SalesforcecoreTechnology or IntegrationNative Salesforce integration enabling credit reporting capabilities within Salesforce CRM workflows. Allows lenders and businesses using Salesforce to access credit reports and data directly within their existing sales and customer management processes.

Scale indicators1 record

Recent moves7 records

Expansion highlights6 records

Direct peers

• IDology: IDology offers identity verification and fraud-prevention APIs used by lenders and financial services companies, competing head-to-head with Soft Pull Solutions' ID Verification & Fraud and Compliance Management modules.
• DataVerify: DataVerify provides credit, fraud, identity, and verification data products to mortgage and consumer lending customers, overlapping directly with Soft Pull Solutions' credit reporting, ID verification, and compliance management offerings.
• MicroBilt: MicroBilt is an established credit reporting and risk management reseller that aggregates bureau data and verification services for SMB lenders, brokers, and resellers — the closest comparable in business model and customer base to Soft Pull Solutions.

Emerging players

• Argyle: Argyle provides API-based employment and income verification for lenders and consumer finance companies, competing most directly with Soft Pull Solutions' Employment Verification and Income & Bank Verification modules.
• Veratad Technologies: Veratad provides identity verification and age/compliance checks for financial services and consumer-facing applications, overlapping with Soft Pull Solutions' ID Verification & Fraud and tenant screening use cases at a smaller, niche scale.
• Pinwheel: Pinwheel offers payroll-linked income and employment data APIs for lenders and fintechs, providing an alternative to traditional credit bureau-based verification flows that Soft Pull Solutions also serves.

Broad incumbents

• Plaid: Plaid is a broad financial data connectivity platform used by lenders and fintechs to access bank, income, and asset data; it overlaps with Soft Pull Solutions' bank verification, income verification, and credit-decisioning integration use cases and represents a much larger, well-capitalized competitor moving into credit workflows.
• Equifax Workforce Solutions (The Work Number): Equifax's Workforce Solutions division operates The Work Number database for employment and income verification; it is both a supplier-adjacent incumbent and a competitor in the employment verification space that Soft Pull Solutions targets.
• LexisNexis Risk Solutions: LexisNexis Risk Solutions is a large incumbent data aggregator offering credit, identity, fraud, and verification services across lending, insurance, and public sector — overlapping with most of Soft Pull Solutions' product suite but at a much larger scale and broader portfolio.

Others

• MeridianLink: MeridianLink is a lending software platform used by banks and credit unions that integrates credit bureau data into loan origination; it is an ecosystem participant and indirect channel through which Soft Pull Solutions-style credit data flows to end lenders.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights7 records

Customer concentration

• Xx.com/softpulls
• YouTubeyoutube.com/@SoftPullSolutions
• Facebookfacebook.com/profile.php
• LinkedInlinkedin.com/company/softpullsolutions

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Soft Pull Solutions