iSoftPull

iSoftPull

• Status: Integrated
• Website: https://www.isoftpull.com/
• Credentials: Through Partner (Connector)
• Description:

Products offered via RiskOS™

Example API response

Full Feed API Response

{
"full_feed": {
  "credit_score": {
    "fico_4": {
      "score": 500,
      "reason_codes": [
        "INSUFFICIENT NUMBER OF VEHICLE LOANS OR LEASES",
        "INSUFFICIENT NUMBER OF BANKCARD ACCOUNTS"
      ]
    },
    "fico_8": {
      "score": "NA",
      "no_score_reason": ["insufficientCredit"]
    },
    "vantage_4": {
      "score": 400,
      "reason_codes": [
        "TOO MANY FINANCE COMPANY INSTALLMENT LOANS",
        "TOO MANY FINANCE COMPANY LOANS"
      ]
    }
  },
  "personal_information": {
    "first_name": "Steve",
    "middle_name": "",
    "last_name": "Johnson",
    "aka": "Steve -o"
  },
  "address_history": {
    "current": [
      {
        "street": "3557 LANCER WAY",
        "city": "CARLSBAD",
        "state": "CA",
        "zip": "92008",
        "possession_type": "Own",
        "date_reported": "11/01/2020"
      }
    ],
    "previous": [
      {
        "street": "1 PIRATES COVE WAY",
        "city": "OCEANSIDE",
        "state": "CA",
        "zip": "92054",
        "possession_type": "Rent",
        "date_reported": "10/18/2017"
      }
    ]
  },
  "employment_history": {
    "current": [
      {
        "name": "OHS",
        "occupation": "TEACHER",
        "date_reported": "02/20/2020"
      }
    ],
    "previous": [
      {
        "name": "CARLSBAD UNITED SCHOOL DISTRICT",
        "occupation": "TEACHER",
        "date_reported": "01/15/2015"
      }
    ]
  },
  "identity_risk": {
    "ofac": {
      "search_status": "Nothing to report",
      "message": "N/A"
    },
    "mla": {
      "covered_borrower_status": "Yes",
      "referral_contact_number": null,
      "message": null
    },
    "tru_validate": {
      "message": "TruValidate Fraud Alerts clear/clear for all searches performed"
    },
    "identity_scan": {
      "message": "IDENTITY SCAN DID NOT DETECT ANY ALERTS"
    },
    "fraud_shield": {
      "times_address_used_in_last_90_120_days": "5",
      "address_accumulation_start_date": "01/04/2004",
      "date_of_birth": "01/04/1960",
      "date_of_death": "01/04/2014",
      "address_information": "42150100",
      "times_social_used_in_last_90_120_days": "5",
      "social_accumulation_start_date": "01/04/2004",
      "first_year_possible_for_ssn_issuance": "01/04/1990",
      "last_year_possible_for_ssn_issuance": "01/04/2014",
      "type": "Inquiry address message",
      "text": "Text",
      "indicators": "INQUIRY/ONFILE CURRENT ADDRESS CONFLICT"
    }
  },
  "income_analysis": {
    "credit_vision_income_estimator": "$500000",
    "debt_to_income_estimator": "2%",
    "consumer_income_view": "$20000"
  },
  "trade_accounts": [
    {
      "company": "SYNCB/HDFURN",
      "account_status": "Open",
      "account_rating": "Paid or paying as agreed",
      "sales_indicator": "Sold to: ABC DEBT BUYER",
      "account_number": "603463807603",
      "account_type": "Charge Account",
      "portfolio_type": "revolving",
      "responsibility": "individual",
      "payment_frequency": "Monthly",
      "terms": "360 months",
      "date_of_opening": "07/15/2021",
      "date_reported": "05/22/2022",
      "date_of_closure": "02/25/2022",
      "balance": "000002158",
      "high_balance_amount": "000002158",
      "original_loan_amount": "000002158",
      "high_credit": "000002158",
      "credit_limit": "000002000",
      "monthly_payment_amount": "000000557",
      "actual_payment_amount": "557",
      "past_due": "000000530",
      "last_activity_date": "01/01/2022",
      "last_payment_date": "10/12/2021",
      "most_recent_payment_amount": "557",
      "deferred_date": "12/01/2020",
      "balloon_due_amount": "125",
      "balloon_due_date": "12/30/2021",
      "remarks": "Profit and loss write-off",
      "months_reviewed": "09",
      "30_day_delinquencies": "01",
      "60_day_delinquencies": "01",
      "90_day_delinquencies": "03",
      "max_delinquency_date": "08/01/2020",
      "payment_history": "1,1,1,1,1,1,4,1,1,2,1,4,1,1,1,4,1,1,4,1,3,1,1",
      "payment_history_start_date": "05/22/2022"
    }
  ],
  "inquiries": [
    {
      "company": "CREDCO",
      "date": "08/14/2021",
      "industry": "Miscellaneous"
    }
  ],
  "statements": [
    {
      "date_reported": "07/22/2020",
      "statement": "I did not make this charge. This is fraud."
    }
  ],
  "collections": [
    {
      "subscriber": "ABC Fund",
      "original_credit_grantor": "Bank of CA",
      "account_type": "Collection Agency/Attorney",
      "portfolio_type": "revolving",
      "responsibility": "individual",
      "date_assigned": "12/13/2021",
      "date_reported": "04/01/2022",
      "balance": "2000",
      "original_loan_amount": "2000",
      "last_payment_date": "12/13/2021",
      "original_creditor_type": "retail"
    }
  ],
  "public_record": [
    {
      "industry_code": "Automobile",
      "type": "Chapter 11 bankruptcy voluntary dismissal",
      "date_filed": "05/24/2018",
      "plaintiff": "Johnson's Automart",
      "court": "Superior Court",
      "status": "Bankruptcy Chapter 13-petition filed",
      "ecoa": "Individual"
    }
  ]
}
}

Data dictionary

Full Feed API Data Dictionary