iSoftpull Lifecycle Data Services

One data layer, prequal to payoff

Every credit touch in the life of a consumer loan, delivered by API into the servicer's own platform

The soft pull at the front door is where iSoftpull started, and it runs 150,000 reports a month today. The same platform, rules engine, consent records and compliance can run every touch after the loan is booked. Servicers don't log in to anything. Their platform calls ours.

1

Live today

Consent & prequal

Soft pull

Branded forms, consent capture, soft pull, Intelligence rules. 150,000 a month today.

2

Live today

Decision & offer

Soft pull

Pass or fail per program, tier, APR and payment. Marketplace matching to lenders.

3

Live today

Consummation

Hard + identity pull

Hard pull with consent, identity and fraud screening, adverse action and risk-based pricing notices.

4

New

Boarding to servicing

None pull

Origination score, consent record and pull audit trail travel with the loan into the servicing platform.

5

New

Portfolio review

Soft, batch pull

Quarterly refresh of every account. Score migration, new derogatories, refi risk. Trustee-ready output.

6

New

Servicing decisions

Soft, then hard pull

Cosigner release, PPA and lease transfers, modifications. Same rules engine, automatic notices.

7

New

Triggers

Soft, event pull

Score drops, new delinquencies elsewhere, bankruptcy. Reach the borrower before the missed payment.

8

New

Recovery

Soft pull

Bankruptcy, deceased and SCRA scrubs, skip trace from header data, ability-to-pay tiers.

What the borrower experiences: nothing. Account review, trigger and recovery pulls are soft inquiries. They never appear to other lenders and never move a score. The only hard inquiry in the whole lifecycle is at consummation, with the consumer's consent.

Portfolio Review

Batch account review on every account in a pool. Quarterly by default, monthly on the watchlist.

POST /api/v2/portfolio/reviews

Rendered output · Residential Solar Pool 2024-A

Accounts

12,480

$412M unpaid balance

Weighted avg FICO

718

731 at origination · −13

Refreshed

Sep 1

next Dec 1 · soft inquiries

Down 40+ points

1,236

9.9% of pool

New derogatory elsewhere

684

30+ late on another tradeline

Refi risk

312

new mortgage or HELOC inquiry

Score migration · origination vs. today

Band	Origination	Today
760+	31%	27%
720 to 759	29%	26%
680 to 719	24%	25%
640 to 679	12%	15%
Under 640	4%	7%

1,890 accounts moved down a band. 640 moved up. New bankruptcies since last refresh: 23. Deceased indicators: 4, routed to the estate desk.

Request

{
  "pool_id": "solar-2024a",
  "permissible_purpose": "account_review",
  "inquiry_type": "soft",
  "bureau": "transunion",
  "accounts_file": "s3://.../solar-2024a-2026q3.csv",
  "cadence": "quarterly",
  "watchlist_cadence": "monthly",
  "outputs": ["migration", "watchlist", "trustee_export"]
}

Response summary

{
  "review_id": "rev_8f21c",
  "accounts": 12480,
  "weighted_fico": { "origination": 731, "current": 718 },
  "flags": { "score_drop_40": 1236, "new_derog": 684,
             "bankruptcy": 23, "deceased": 4, "refi_risk": 312 },
  "watchlist_url": "/api/v2/portfolio/reviews/rev_8f21c/watchlist",
  "trustee_export_url": "/api/v2/portfolio/reviews/rev_8f21c/export"
}

Watchlist · biggest moves since last refresh

Account	State	Orig → now	Flag	Balance
····4471	AZ	744 → 662	High Score −82 · new 60-day late on auto loan	$31,900
····0928	CA	712 → 655	High Score −57 · two new collections	$28,400
····6640	CA	705 → 703	High Chapter 13 filed	$30,050
····7715	TX	731 → 689	Medium Score −42 · utilization 91%	$34,100
····5182	NV	758 → 712	Medium Score −46 · new personal loan	$36,200
····2217	AZ	689 → 641	Medium Score −48 · 30-day late on card	$27,800
····3306	FL	698 → 696	Low New mortgage inquiry · refi risk	$29,750
····9903	TX	722 → 719	Low Address changed · confirm contact	$33,400

Permissible purpose: review of an account, FCRA § 604(a)(3)(A). The servicer holds the account. Every refresh is a soft inquiry logged with pool, date, purpose and user. Results stay inside the servicer's account. Nothing is used for marketing and nothing is prescreened.

Triggers

Daily bureau events on monitored accounts, delivered to the servicer's webhook with a recommended play

WEBHOOK event.trigger

Date	Account	Event	Recommended play
Sep 15 Solar 2024-A	····4471	High Score dropped 82 points	Call before the Oct 1 due date. Offer a 3-month step-down.
Sep 15 Solar 2024-A	····6640	High Chapter 13 bankruptcy filed	Route to bankruptcy desk. Stop outreach.
Sep 15 Student 2023-C	····8850	Medium 60-day late on another lender's card	Offer income-driven plan review.
Sep 14 Solar 2024-A	····3306	Low New mortgage inquiry	Refi retention call. Confirm PPA transfer terms.
Sep 13 Medical 2025-A	····7015	High Deceased indicator	Route to estate desk. Cease automated contact.
Sep 12 Solar 2024-A	····2217	Medium 30-day late on credit card	Courtesy reminder plus autopay offer.

3,912 triggers this month across 184,200 monitored accounts. 412 high severity. Default aversion this quarter: 2,140 borrowers reached before a missed payment, 61% still current 90 days later.

Webhook payload

{
  "event": "trigger.score_drop",
  "account_ref": "solar-2024a/····4471",
  "occurred_at": "2026-09-15T06:10:00Z",
  "severity": "high",
  "detail": { "score_prev": 744, "score_now": 662,
             "cause": "60_day_late_auto" },
  "recommended_play": "step_down_offer",
  "permissible_purpose": "account_review",
  "inquiry_type": "soft"
}

Trigger rules the servicer sets

Score drops 40+ points ON
30+ days late on any tradeline ON
New mortgage or HELOC inquiry ON
Bankruptcy or deceased indicator ON
New unsecured credit over $25,000 ON
Address or employer change ON

Same rules engine as Credit Intelligence. Anything on the full feed can be a trigger.

Servicing Decisions

Cosigner release, PPA and lease transfers, modifications and rate reductions, decided by the servicer's own rules

POST /api/v2/decisions

Request · PPA transfer

{
  "request_type": "ppa_transfer",
  "account_ref": "solar-2024a/····8812",
  "program": "solar_assumption_v3",
  "applicant": { "name": "J. Delgado", "address": "4412 Saguaro Ln, Mesa AZ" },
  "consent": { "captured_at": "2026-09-15T17:02:11Z", "ip": "…" },
  "inquiry_type": "soft"
}

Response

{
  "decision": "approve",
  "score": 702,
  "rules": [
    { "rule": "fico_min_680", "pass": true },
    { "rule": "no_bankruptcy_48mo", "pass": true },
    { "rule": "no_60day_late_24mo", "pass": true },
    { "rule": "identity_ofac_mla", "pass": true }
  ],
  "next_step": "hard_pull_at_signing",
  "notice_url": null
}

Decision queue · this morning

Applicant · request	Soft pull	Result	Notice
J. Delgado PPA transfer · Residential solar	FICO 702	Approved 680 min ✓ · No BK 48 mo ✓ · No 60-day lates ✓	None needed
M. Okafor Cosigner release · Private student loan	FICO 731	Approved 12 on-time payments ✓ · 700 min ✓ · DTI 38% ✓	None needed
R. Patel Cosigner release · Private student loan	FICO 648	Declined 12 on-time payments ✓ · 700 min ✗ (648) · DTI 51% ✗	Adverse action sent
S. Nguyen Loan modification · Home improvement	FICO 611	Needs review Hardship documented ✓ · Score 611, under 640 floor ?	Pending
A. Brooks Lease transfer · Residential solar	FICO 694	Approved 680 min ✓ · No BK 48 mo ✓ · Identity verified ✓	None needed
K. Lindqvist PPA transfer · Residential solar	FICO 655	Declined 680 min ✗ (655) · Collections $2,400 ✗	Adverse action sent

On every decline, the notice is automatic. The adverse action notice is generated from the same pull, with reason codes and score disclosure. Risk-based pricing notices when terms change. See the notice.

Permissible purpose: consumer-initiated request on an existing account, § 604(a)(3)(A) and (F)(i). Soft pull to decide. Hard pull only if the request goes forward and the consumer authorizes it. Audit trail carries consent IP, timestamp, rule version, bureau and inquiry type.

Recovery Scrub & Tiering

Charged-off and placed accounts: compliance scrubs first, then ability-to-pay tiers for the collections strategy

POST /api/v2/recovery/scrubs

Rendered output · Charged-off Personal Loans 2023-B

Accounts

8,420

$61M placed

Bankruptcy

312

excluded from contact

Deceased

41

routed to estate desk

Active duty

18

SCRA protections applied

New address

1,102

from bureau header

New phone

2,410

from bureau header

Ability-to-pay tiers · 8,049 workable accounts after scrubs

Tier	Definition	Accounts	Strategy	Balance
A	Score 640+ · other tradelines current	1,204	Settlement offer at 60%	$9.1M
B	Score 580 to 639 · mixed payment history	2,381	Payment plan, 24 months	$17.6M
C	Under 580 · new credit since charge-off	2,010	Hold 90 days, re-score	$14.8M
D	No contact data	2,454	Skip trace, then re-tier	$17.4M

Rules are the servicer's. iSoftpull runs them and returns a tier, not the report. Inputs: current score and 12-month trend, other tradelines current or delinquent, new credit since charge-off, estimated payment capacity from open revolving lines.

Permissible purpose: collection of an account, § 604(a)(3)(A). Soft inquiries. Bankruptcy, deceased and SCRA scrubs run before any account reaches an agent. Contact limits and disputes stay in the collections platform.

Investor Reporting Export

Pool-level credit refresh for trustees, rating agencies and investors. No consumer identifiers.

GET /api/v2/portfolio/reviews/{id}/export?format=trustee

Pool	Accounts	WA FICO orig	WA FICO now	Under 640	New BK	Refreshed
Residential Solar 2024-A	12,480	731	718	7.0%	23	Sep 1, 2026
Home Improvement 2025-B	31,200	702	696	11.4%	61	Sep 1, 2026
Private Student Loans 2023-C	44,910	744	749	3.1%	38	Sep 1, 2026
Elective Medical 2025-A	18,650	688	679	16.8%	44	Sep 1, 2026

Formatted for surveillance reporting and analytics ingestion. Derived from the servicer's own account review, so no new permissible purpose is needed and no consumer-level data leaves the servicer.

Permissible purpose at every step

FCRA § 604. No prescreen. No marketing use.

Stage	Basis	Inquiry	Who holds the purpose
Prequal and offer	Consumer-initiated, written consent · § 604(a)(2), (a)(3)(F)	Soft	Originator
Consummation	Credit transaction with the consumer · § 604(a)(3)(A)	Hard	Lender
Portfolio review and triggers	Review of an account · § 604(a)(3)(A)	Soft	Servicer
Cosigner release, transfer, modification	Consumer-initiated request on an existing account · § 604(a)(3)(A), (F)(i)	Soft, then hard with consent	Servicer
Recovery	Collection of an account · § 604(a)(3)(A)	Soft	Servicer or debt owner
Investor reporting	Derived from the servicer's account review. Pool level, no consumer identifiers.	None	Trustee, rating agency, investor

Concept mockup with sample data. Pool names, account numbers, borrower initials and counts are illustrative. Account review and collection purposes require bureau reseller addenda before launch. Prequal, hard pull, identity screening, adverse action and risk-based pricing notices are live today.