Pre-Qualification Reports

(Soft Pull)

Give borrowers clarity on their options with comprehensive soft-pull credit data that leaves their scores untouched.

Start Conversations Without Impacting Credit Scores

Pre-qualification is often the first step in a borrower’s home-buying journey. SettlementOne’s soft pull mortgage pre-qualification reports provide you with the credit insights needed to guide initial conversations without affecting your borrowers’ credit scores.

Our pre-qual reports deliver comprehensive credit data from all three bureaus, allowing you to assess borrower readiness, identify potential challenges, and provide accurate guidance on loan options – all before moving forward with a formal application. This approach builds trust with borrowers while helping you focus your efforts on qualified prospects.

Key Features

No Score Impact: Full credit visibility without hard inquiry consequences
Tri-Bureau Data: Complete information from Equifax, Experian, and TransUnion
Instant Delivery: Reports available in seconds for immediate consultation
Score Models: Access to multiple scoring models for comprehensive assessment
Seamless Upgrade Path: Easy transition to hard-pull reports when ready
LOS Integration: Direct integration with major loan origination systems

How It Works

The process is straightforward and borrower-friendly. With borrower permission, you initiate a soft-pull request through your LOS or our platform. Within seconds, you receive comprehensive credit data that includes scores, tradelines, and credit history—everything needed for an informed pre-qualification discussion. When borrowers are ready to proceed, seamlessly upgrade to a full tri-merge report without re-entering information.

Use Cases

Realtor Open Houses:

Loan officers can provide on-the-spot pre-qualifications, giving serious buyers immediate feedback on their purchasing power.

Online Lead Conversion:

Convert website visitors into qualified leads by offering instant pre-qualification without the commitment of a hard credit pull.

First-Time Buyer Consultations:

Help first-time buyers understand their credit position and create action plans without impacting their scores during the education process.

Why SettlementOne

Our pre-qualification reports go beyond basic soft-pull data. With our established connections to all three credit bureaus and advanced scoring models, you receive the same depth of information as a hard pull – just without the score impact. Combined with our rapid delivery and seamless integration capabilities, you can confidently guide more borrowers from initial interest to closed loans.

Keep Every Loan Moving Forward

SettlementOne empowers lenders with trusted credit and verification solutions that simplify workflows and reduce borrower risk so you can focus on closing with confidence.

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