iSoftPull is built for lenders. SimpleCheck is built for sales teams.
Both tools pull soft credit data. But iSoftPull was designed for mortgage brokers and financing companies. If you run a high-ticket sales team and need lead qualification at opt-in with automatic routing, you need a tool built for that.
iSoftPull: a solid tool for lenders and financing companies
iSoftPull is a credit reporting platform that lets businesses run soft credit pulls on their customers. It is an authorized reseller of Equifax, TransUnion, and Experian, and delivers full credit reports and FICO scores using just a name and address. No SSN required for soft pulls.
It was built for a specific use case: helping lenders, mortgage brokers, solar installers, and financing companies pre-qualify customers before running a full hard pull. If your business needs to determine whether someone qualifies for a loan, iSoftPull is a legitimate tool for that.
But if you run a high-ticket sales team - coaching, consulting, agencies, education, services - and you need lead qualification that routes leads automatically, feeds data back to your ad pixel, and integrates into your sales workflow, iSoftPull was not designed for that. That is the gap SimpleCheck fills.
What iSoftPull was built for
- Mortgage pre-qualification
- Solar financing screening
- Auto loan pre-approval
- Field reps checking credit in person
- Lending compliance workflows
iSoftPull was not built for
- Automatic lead routing by financial thresholds
- Feeding qualification data back to Meta/Google pixel
- CRM integration with sales pipelines (GHL, HubSpot)
- SmartRoute-style conditional routing at opt-in
- High-ticket sales qualification workflows
Why sales teams need more than a credit report
iSoftPull gives you a credit report. SimpleCheck gives you a qualification decision, automatic routing, CRM data, and ad pixel feedback - all in seconds at opt-in, before your team touches the lead.
iSoftPull requires the customer's name and physical mailing address to run a soft pull. That is standard for lending pre-qualification, but most sales funnels only collect name, email, and phone. To use iSoftPull in your funnel, you would need to add an address field (more friction, lower opt-in rate) or manually look up addresses for every lead. SimpleCheck runs on name, email, and phone - the data your form already collects. Zero additional fields.
Lenders need trade lines, delinquencies, and payment history to underwrite a loan. Sales teams need three things: credit score, available credit, and income. That is what determines whether someone can pay for a $10K coaching program - not their mortgage payment history.
iSoftPull requires someone to log in and manually pull each lead's credit. That works when a mortgage broker has 5 applications a day. It breaks when you have 50 leads a day hitting your funnel. Sales teams need qualification that runs automatically at opt-in.
Knowing a lead has a 720 credit score is useless if they still land in the same round-robin queue as everyone else. SimpleCheck's SmartRoute reads the data and instantly sends qualified buyers to closers, borderline leads to setters, and everyone else to a downsell.
SimpleCheck feeds real qualification data back to Meta and Google via pixel and CAPI integration. When a qualified lead opts in, your ad platform learns what a real buyer looks like. iSoftPull has no ad platform integration - the data stays in their portal.
"It has completely changed our business. And I don't say that lightly. Our close rate went from right around 25% to a little over 50%."
- Joey Western, 8-figure sales agency, SimpleCheck client
iSoftPull vs SimpleCheck: full comparison
Both tools use soft pulls to access credit data without impacting the lead's score. The difference is what happens after the data arrives.
iSoftPull
- Data collected: full credit report with trade lines and payment history, from name and physical mailing address
- Routing: none - leads land in the same queue as everyone else
- Pixel/CAPI: no ad platform integration - the data stays in their portal
- Portal/API: portal access, API available as an extra
- Consent: no consent management
- Downsell routing: not supported
SimpleCheck
- Data collected: credit score, available credit, and income, from name, email, and phone
- Routing: SmartRoute sends qualified buyers to closers, borderline leads to setters, everyone else to a downsell
- Pixel/CAPI: real qualification data fed back to Meta and Google via pixel and CAPI
- Portal/API: native CRM integration plus API access
- Consent: CredibleCapture cryptographically signed consent on every lead
- Downsell routing: built in
See the difference live on your own data
On the demo call, we pull your real financial data in seconds so you can see exactly what your closers would know before every call.
iSoftPull pricing vs SimpleCheck pricing
Both charge per report. The difference is what you get for the price.
iSoftPull
- Credit report + FICO score, portal access, API available (extra), no routing, no native CRM integration, no pixel feedback, no consent management
SimpleCheck SmartForm - $97/mo + $3.10/report
- No setup fee, credit score + available credit + income, SmartRoute lead routing, CRM integration, ad pixel feedback, CredibleCapture consent, 7-day free trial. Requires replacing your existing form.
SimpleCheck Enterprise - $15,000 setup + $2.76/report
- Everything in SmartForm, integrates behind existing forms, done-for-you deployment, lifetime maintenance, direct Slack support. Setup payable as 12 monthly payments of $1,250.
Use iSoftPull if you need to underwrite loans. Use SimpleCheck if you need to qualify sales leads.
You are a lender, mortgage broker, or financing company
You need full credit reports with trade lines and payment history
Your team manually reviews 5-20 applications per day
You need to determine loan eligibility
Your use case is financing pre-qualification
You sell high-ticket offers ($2K+) via sales calls
You need automatic lead qualification at opt-in
You want leads routed by buying power to the right rep
You need qualification data in your CRM before the call
You want your ad pixel to learn what a real buyer looks like
You process 50+ leads per day through a funnel
What happens when sales teams use purpose-built qualification
Results from SimpleCheck clients across coaching, consulting, agencies, and high-ticket services.
"30% of all calls we were scheduling simply, even if they wanted to, could not afford our service. People with good credit have a higher show rate, have a higher close rate, you save a bunch of time."
Tim Madden, Executive Career Upgrades, $500K-$1M/mo
"We took our close rate from 25% to 45%, and our ROAS from 3.5x to 16x. Any call our closer gets on, we 100% know they can buy."
Callum B., Client Success Club
Common questions about iSoftPull vs SimpleCheck
RELATED GUIDES
Stop qualifying leads like a lender. Start qualifying them like a sales team.
600+ businesses across 80+ industries use SimpleCheck to qualify leads financially at opt-in and route them by buying power. See it work on your own data.
No contracts. No SSN required. Works with your existing CRM.