Soft Pull Solutions adds income and DTI insights across all three credit bureaus

Soft Pull Solutions expanded its credit reporting platform with Income Solutions and Debt-to-Income Insights across the three major U.S. credit bureaus. The new offering is designed to give lenders and lead generation companies earlier visibility during prequalification and streamline loan workflows.

Why it matters: - Lenders can review more financial context earlier in the prequalification process. - The new tools are designed to help lenders screen applicants faster while reducing friction for consumers. - Soft Pull Solutions is targeting workflows where early-stage data can lower verification costs and improve operational efficiency.

What happened: - Soft Pull Solutions announced an expansion of its credit reporting platform with Income Solutions and Debt-to-Income Insights. - The new capabilities are available across all three major U.S. credit bureaus. - The company framed the launch as a way to give lenders, brokers, fintech companies, automotive finance providers and other organizations earlier financial visibility.

The details: - The new tools are intended to support prequalification and early borrower review, not to replace formal income verification or employment verification. - Debt-to-Income Insights should not be used for underwriting or credit decisions. - When a consumer has already authorized a credit inquiry for prequalification or a credit application, no separate authorization is generally required to obtain the income-related insights. - Soft Pull Solutions said the approach can reduce delays and keep the application process smoother. - The company said lenders can use estimated income insights alongside DTI indicators and traditional credit information to prioritize applications. - Many institutions may still move to Verification of Employment and Verification of Income later in underwriting if an applicant remains a strong fit. - The platform is built for consumer lending, personal loans, automotive financing, home improvement financing, mortgage prequalification, credit unions, community banks, online lenders, fintech platforms, retail financing programs and lead generation companies. - Soft Pull Solutions said the multi-bureau setup gives organizations flexibility in choosing data providers while keeping workflows consistent. - The company also said the platform complements its broader credit reporting stack, including soft pull credit reports, hard credit reports, business credit reports, fraud prevention services, identity verification tools, instant prescreen services, credit reporting API integrations and automated integrations.

Between the lines: - The launch reflects a broader lending industry push to use data earlier in the customer journey. - The emphasis on soft pull prequalification suggests lenders are trying to reduce unnecessary verification work before underwriting. - The three-bureau coverage may matter to lenders that want broader data access without changing existing operational models.

What's next: - Soft Pull Solutions is positioning the product as part of a continuing expansion of its platform. - The company said it wants to help lenders improve productivity, customer experience and credit workflow efficiency. - As more financial institutions adopt automation and data-driven lending, early-stage financial insights are likely to play a larger role in prequalification and application routing.

The bottom line: - Soft Pull Solutions is betting that earlier access to income and DTI data will help lenders move qualified borrowers through the pipeline faster, with less cost and less friction.