Tri-merge credit reports and FICO scores for mortgage professionals. Compliance-first workflows, transparent pricing, and direct LOS integration.
Lower your cost per pull, protect borrower credit, and get reports delivered directly into your workflow.
No markups, no hidden fees, no minimums. Straightforward pricing that keeps your per-file costs down without sacrificing data quality.
Qualify borrowers before running hard inquiries. Protect consumer credit scores and reduce unnecessary pulls. Pre-qualify with confidence, then convert.
Connect directly with Encompass, BytePro, and other major LOS platforms. Reports delivered into your pipeline automatically, no manual uploads.
No setup fees. No monthly minimums. No contracts. Pay only for the reports you pull.
No setup fees. No monthly minimums. No contracts.
From signup to your first credit pull in three straightforward steps.
Create your account and complete credentialing. We handle the bureau setup so you can focus on lending.
Link your LOS or order pulls directly through our platform. Integrations with Encompass, BytePro, and more.
Credit reports delivered in seconds, directly into your workflow. Tri-merge with FICO scores, every time.
New regulations like the Homebuyers Privacy Protection Act are changing how lenders handle credit data. SmartPull's soft-pull-first approach helps you stay ahead of compliance requirements while keeping borrower data secure.
When a hard credit inquiry hits the bureaus, that data can be sold as a trigger lead, resulting in borrowers being flooded with unsolicited offers. Soft pulls prevent this entirely. By qualifying with a soft pull first, you protect your borrowers and your pipeline.
Tell us about your lending operation and we will get you set up within days.