## iSoftPull  
- **Status**: Integrated  
- **Website**: [https://www.isoftpull.com/](https://www.isoftpull.com/)  
- **Credentials**: Through Partner (Connector)  
- **Description**:

* * *

### Products offered via RiskOS™

| Product Name | Description | RiskOS™ Use Cases |
| --- | --- | --- |
| **Full Feed API** | The Full JSON Feed API provides platforms with full credit report (trade lines, collections, inquiries, liens and judgements where available) and credit score(s). | Consumer Credit, Underwriting |

* * *

### Example API response

Full Feed API Response

```json
{
"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

| Field | Type | Description |
| --- | --- | --- |
| `full_feed_link` | URL (String) | Temporary URL to the PDF report; typically expires in ~15 minutes. |
| `full_feed` | Object | Container for all sections below. |
| `credit_score.<model>.score` | Integer \| "NA" | Score for a model (e.g., `fico_4`, `fico_8`, `vantage_4`). |
| `credit_score.<model>.reason_codes` | Array<String> | Reason codes that contributed to the score (when present). |
| `credit_score.<model>.no_score_reason` | Array<String> | Reasons a score is unavailable. |
| `personal_information.first_name` | String | Applicant first name. |
| `personal_information.middle_name` | String \| null | Applicant middle name. |
| `personal_information.last_name` | String | Applicant last name. |
| `personal_information.aka` | String \| null | “Also Known As” name on file (if any). |
| `address_history[].street` | String | Street address (entries under `current` and `previous`). |
| `address_history[].city` | String | City. |
| `address_history[].state` | String | State. |
| `address_history[].zip` | String | ZIP code. |
| `address_history[].possession_type` | String | Own/Rent indicator (spelled as shown in feed). |
| `address_history[].date_reported` | String (mm/dd/yyyy) | Date address was reported. |
| `employment_history[].name` | String | Employer name. |
| `employment_history[].occupation` | String | Occupation title. |
| `employment_history[].date_reported` | String (mm/dd/yyyy) | Date reported to bureau (if available). |
| `identity_risk.ofac.search_status` | String | OFAC screening status (optional add-on). |
| `identity_risk.ofac.message` | String | OFAC message/details (optional add-on). |
| `identity_risk.mla.covered_borrower_status` | String | MLA covered borrower status (optional add-on). |
| `identity_risk.mla.referral_contact_number` | String \| null | MLA contact number (optional add-on). |
| `identity_risk.mla.message` | String \| null | MLA message/details (optional add-on). |
| `identity_risk.tru_validate.message` | String | TransUnion Fraud Alert (TruValidate) message (optional add-on). |
| `identity_risk.identity_scan.message` | String | Equifax ID Scan alert message (optional add-on). |
| `identity_risk.fraud_shield.times_address_used_in_last_90_120_days` | String | Count of recent uses of address. |
| `identity_risk.fraud_shield.address_accumulation_start_date` | String | Start date for address accumulation. |
| `identity_risk.fraud_shield.date_of_birth` | String | DOB on file (if present). |
| `identity_risk.fraud_shield.date_of_death` | String | DOD on file (if present). |
| `identity_risk.fraud_shield.address_information` | String | Address info code/text. |
| `identity_risk.fraud_shield.times_social_used_in_last_90_120_days` | String | Count of recent SSN uses. |
| `identity_risk.fraud_shield.social_accumulation_start_date` | String | Start date for SSN accumulation. |
| `identity_risk.fraud_shield.first_year_possible_for_ssn_issuance` | String | Earliest possible SSN issue year. |
| `identity_risk.fraud_shield.last_year_possible_for_ssn_issuance` | String | Latest possible SSN issue year. |
| `identity_risk.fraud_shield.type` | String | Message type. |
| `identity_risk.fraud_shield.text` | String | Message text. |
| `identity_risk.fraud_shield.indicators` | String | Indicator summary (e.g., “address conflict”). |
| `income_analysis.credit_vision_income_estimator` | String | TransUnion income predictor (annual). |
| `income_analysis.debt_to_income_estimator` | String | TransUnion DTI estimator. |
| `income_analysis.consumer_income_view` | String | Equifax income predictor (annual). |
| `trade_accounts[].balance` | String | Current balance amount. |
| `trade_accounts[].high_balance_amount` | String | Highest balance reported. |
| `trade_accounts[].original_loan_amount` | String | Original loan amount (if applicable). |
| `trade_accounts[].high_credit` | String | Highest credit. |
| `trade_accounts[].credit_limit` | String | Credit limit. |
| `trade_accounts[].monthly_payment_account` | String | Scheduled monthly payment. |
| `trade_accounts[].actual_payment_amount` | String | Most recent actual payment amount. |
| `trade_accounts[].past_due` | String | Past due amount. |
| `trade_accounts[].last_activity_date` | String | Date of last activity. |
| `trade_accounts[].last_payment_date` | String | Date of last payment. |
| `trade_accounts[].most_recent_payment_amount` | String | Amount of most recent payment. |
| `trade_accounts[].deferred_date` | String | Deferred date, if present. |
| `trade_accounts[].balloon_due_amount` | String | Balloon payment amount, if present. |
| `trade_accounts[].balloon_due_date` | String | Balloon due date. |
| `trade_accounts[].remarks` | String | Remarks/notices on account. |
| `trade_accounts[].months_reviewed` | String | Number of months reviewed. |
| `trade_accounts[].30_day_delinquencies` | String | Count of 30-day lates. |
| `trade_accounts[].60_day_delinquencies` | String | Count of 60-day lates. |
| `trade_accounts[].90_day_delinquencies` | String | Count of 90-day lates. |
| `trade_accounts[].max_delinquency_date` | String | Date of max delinquency. |
| `trade_accounts[].payment_history` | String | Comma-separated payment codes. |
| `trade_accounts[].payment_history_start_date` | String | Start date for `payment_history`. |
| `inquiries[].company` | String | Inquiring company. |
| `inquiries[].date` | String | Inquiry date. |
| `inquiries[].industry` | String | Industry of the underlying credit product. |
| `statements[].date_reported` | String | Date statement was reported. |
| `statements[].statement` | String | Consumer statement text. |
| `collections[].original_credit_grantor` | String | Original creditor. |
| `collections[].account_type` | String | Account type (e.g., card, mortgage, etc.). |
| `collections[].portfolio_type` | String | Loan type (revolving, installment, etc.). |
| `collections[].responsibility` | String | Individual/joint, etc. |
| `collections[].date_assigned` | String | Date assigned/opened. |
| `collections[].date_reported` | String | Date reported. |
| `collections[].balance` | String | Current balance. |
| `collections[].original_loan_amount` | String | Original amount. |
| `collections[].last_payment_date` | String | Most recent payment date. |
| `collections[].original_creditor_type` | String | Original creditor category. |
| `public_record[].industry_code` | String | Bureau industry code. |
| `public_record[].type` | String | Public record type. |
| `public_record[].date_filed` | String | Filing date. |
| `public_record[].plaintiff` | String | Plaintiff name. |
| `public_record[].court` | String | Court name. |
| `public_record[].status` | String | Record status. |
| `public_record[].ecoa` | String | ECOA code.