One-time $250 setup fee covers account provisioning, training, and bureau credentialing.
Frequently Asked Questions
What does the onboarding process look like?+
Credit bureau data is regulated by the FCRA, so we verify every company before activation. The process is fully automated and most companies finish in under 10 minutes:
E-sign the End User Agreement
Automated business verification (we check Secretary of State records and compliance databases)
Connect your business bank account via Stripe
Quick identity verification (photo ID + selfie)
Site inspection photos from your phone
One-time $250 setup fee
Do I need my customer's SSN to pull a soft credit report?+
No. Soft pulls only require your customer's name and address. No SSN, no date of birth.
Will a soft pull affect my customer's credit score?+
No. Soft pulls are invisible to other lenders and have zero impact on your customer's credit score. They get the same FICO scores and full credit report data as a hard pull.
Do I need consumer consent to pull a soft report?+
Yes. You need your consumer's verbal, written, or digital consent before pulling their credit. Their consent serves as the permissible purpose under the FCRA.
Are there contracts or long-term commitments?+
No long-term contracts. Monthly plans can be cancelled anytime. You only pay for the pulls you use plus your monthly software fee.
