Credit & Rescoring


SoftQualify reports are available online 24/7, are simple to read and are virtually identical to traditional tri-merge credit reports.

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Slash Prequalification Costs by up to 90% with SoftQualify™

Recent repository changes now allow mortgage lenders to use soft prequalification reports to prequalify prospective buyers in seconds. SoftQualify™ delivers significant cost savings versus traditional tri-merge reports. By reducing prequalification costs, we can now help mortgage professionals increase margins, streamline processes and attract more REALTOR® relationships and referrals.

SoftQualify™ Advantages

SoftQualify™ Limitations

Frequently Asked Questions

We Have Answers.

Yes, consumer consent is required. Consent can be obtained via a traditional signed paper authorization, online through a digital process, or verbally if the phone call is recorded.
The processes and scripts we have in place are already approved and vetted by the bureaus. If you choose to use your own process, it will need to be approved before you can move forward.
Costs are a small fraction of a tri-merge report but vary somewhat based on your specific needs. Your sales professional can provide you specific options and associated costs.
No, repository rules prohibit sharing soft prequalification report data with the consumer.
Perhaps. The repositories require a third-party inspection to be completed prior to allowing access. If you have the required security requirements in place, it’s possible that you may be able to obtain access. Contact us for more information.
Each account requires repository approval so time can vary a bit. Generally, it takes about 7 business days from the time we receive your completed application (or addendum for existing Credit Technologies clients.)
Yes, but most don’t. Virtually every LOS charges an additional transaction fee (typically $1.00-$2.00) when ordering products. As the soft prequalification report cannot be used in the lending/underwriting process, there’s little reason to incur the additional fee.
No, SoftQualify reports are not available for underwriting or lender GSE/AUS use. Preflight and BestQualify can be utilized after a prospective borrower is identified through the use of a SoftQualify report to further automate the lending process and reduce costs.
We’re ready to help — contact our Sales Team via email at or phone at (800) 445-4922.

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The best technology Is useless if you
can't depend on the people behind the scenes

The best technology is useless if you can't depend on the people behind the scenes

We’ll walk you through the process and determine the options that deliver maximum cost savings and lead generation opportunities.


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