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SoftQualify℠

Pre-Qualify Borrowers. Zero Score Impact.

SoftQualify℠ delivers a soft-inquiry credit report that screens borrowers without touching their FICO® score — so you can qualify more leads earlier and protect them from competitor trigger leads from day one.

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✓Zero FICO® Score Impact✓No Trigger Leads✓1, 2, or 3 Bureaus✓Score Express™ Eligible
SoftQualify℠ vs. Traditional Pullsoft inquiry
Impact on FICO® ScoreNone ✓
Trigger Leads GeneratedNone ✓
Bureau Options1, 2, or 3 bureaus
Cost vs. Tri-MergeFraction of cost ✓
Score Express™ EligibleYes ✓
FACTA Disclosure RequiredNo ✓
Preapproval use only. Consumer consent required. Not for underwriting.
Qualify Earlier. Protect Your Borrowers.

A soft pull gives you the full credit picture you need — without starting the trigger lead clock or affecting your borrower's score.

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No Score Impact

Soft inquiries don't affect FICO® scores. Borrowers can be screened as many times as needed without any credit consequences.

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No Trigger Leads Generated

Soft pulls don't generate credit bureau trigger lead lists — so competitors can't poach your borrowers the moment they check their credit.

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Early Pipeline Qualification

Identify creditworthy borrowers at the very start of the funnel — before you spend time or money on a full tri-merge pull.

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1, 2, or 3-Bureau Options

SoftQualify℠ offers single, dual, or full tri-bureau soft pulls — giving you flexibility to match the level of detail each borrower situation requires.

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Lower Your Credit Costs

Screen borrowers with a low-cost soft pull first. Only run the full tri-merge when you're confident in the borrower's qualification.

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LOS Compatible

SoftQualify℠ integrates with major loan origination systems so your team can order soft pulls directly from their existing workflow.

The SoftQualify℠ Process

Pre-Qualify in 4 Simple Steps

SoftQualify℠ gives you a full credit picture at a fraction of the cost — with zero impact to the borrower and zero trigger leads generated.

  • 1
    Get Borrower Consent
    Obtain written, digital, or recorded verbal consent from the borrower. No SSN required at this stage for basic screening.
  • 2
    Order the Soft Pull
    Request a SoftQualify℠ report through Credit Insight or your LOS. Choose 1, 2, or all 3 bureaus depending on the situation.
  • 3
    Review the Credit Picture
    Get a complete view of the borrower's credit profile — scores, tradelines, and liabilities — without a hard inquiry or trigger lead.
  • 4
    Qualify or Rescore
    If the borrower qualifies, proceed to full application. If not, use Score Express™ rescoring to improve their FICO® score before pulling the hard report.
SoftQualify℠ — Quick Reference
Inquiry TypeSoft ✓
FICO® Score ImpactNone ✓
Trigger LeadsNone ✓
Bureau Options1, 2, or 3
FACTA DisclosuresNot required ✓
Score Express™Eligible ✓
FNMA DU Early AssessmentEligible ✓
Use CasePreapproval only
0
Impact on borrower's FICO® score from a soft pull
0
Trigger leads generated by a SoftQualify℠ inquiry
90%
Potential cost savings vs. traditional tri-merge report
15K+
Mortgage professionals who trust CTI nationwide
Workflow Integration

Order Soft Pulls From Your Existing Platform

SoftQualify℠ works with your existing loan origination system and the Credit Insight portal. No new software to learn, no manual data entry — just a faster way to qualify borrowers.

  • ✓Order directly through Credit Insight or your LOS
  • ✓Choose single, dual, or full tri-bureau soft pulls
  • ✓Borrowers can pay for reports directly — reducing your costs
  • ✓Fully eligible for Score Express™ rescoring if needed
  • ✓FNMA DU Early Assessment eligible via SoftQualify+ reports
See How SoftQualify℠ Works
Credit Insight
Direct Ordering
MeridianLink
LOS Integration
Score Express™
Rescore Eligible
BestQualify℠
SoftQualify+ Included

SoftQualify℠ is for preapproval use only — not for loan underwriting.

Qualify More. Lose Less. Start With a Soft Pull.

SoftQualify℠ is available to CTI members. Join 15,000+ mortgage professionals who protect their pipeline from the very first credit check.

Become a MemberSchedule a Demo