Compare
Pick the credit tool that fits the job.
There are several good ways to get consumer credit data into a business. They're built for different jobs. This page lays out the categories so you can see where CreditPullEngine fits and where something else might fit better.
We describe categories, not specific companies.
The categories
Three common alternatives.
Teams that need consumer credit data usually look at a few kinds of tools. Each is a reasonable choice for the job it was built for.
- Bureau or reseller portal: a web interface for ordering and viewing consumer reports, often designed for individual lookups by trained staff.
- Generic credit-data API: an API that returns credit data for your own software to process, suited to teams that want to build the experience themselves.
- Loan-prequalification tools: products focused on matching consumers with lending offers or prequalification results.
Side by side
How the categories typically compare.
Products within each category vary. Use this as a starting point and check the details with any vendor you consider.
| Topic | CreditPullEngine | Bureau or reseller portal | Generic credit API |
|---|---|---|---|
| Built for | Teams that review credit with consumers on a call | Ordering and viewing reports | Developers building their own product |
| Live-call review with the consumer | ClearView: a redacted, synchronized view on the consumer's phone | Usually not a focus | Built by your team, if needed |
| Debt analysis | Scorecast organizes debts by creditor and type | Typically the report itself | Typically raw data to analyze yourself |
| Score what-ifs | Score Simulator, shown as estimates | Varies | Built by your team, if needed |
| AI agent access | Agent Access keeps consumer PII encrypted outside the AI provider | Varies | Varies |
| Integration help | Our engineers build the CRM integration with you | Varies | Documentation, with your team doing the build |
| Onboarding help | We help you get through credentialing | Varies | Varies |
| Pricing terms | No long-term contracts, no monthly minimums | Varies | Varies |
Comparisons describe general categories, not any specific company. Simulated scores are estimates, not guarantees.
Choosing
When each option makes sense.
-
CreditPullEngine
Your team talks to consumers about their credit.
Debt relief, legal intake and home services teams that need the report readable in a minute and visible to the consumer during the call.
See ClearView -
Bureau or reseller portal
You need occasional lookups.
If a few trained staff order reports now and then and no consumer is on the line, a portal may be all you need.
-
Generic credit API
You're building the whole experience yourself.
If your engineers want raw data and plan to design every screen, a generic API can fit. Our Soft Pull API also serves builders who want a sandbox and normalized JSON.
See the Soft Pull API -
Loan-prequalification tools
Your goal is matching consumers to lenders.
If the job is offer matching, a prequalification product built for lending may fit. CreditPullEngine provides reports and analysis, not lending decisions.
Comparison questions.
Which bureau does CreditPullEngine use?
CreditPullEngine is an Authorized Equifax Reseller.
Can we use CreditPullEngine only through the API?
Yes. You can pull from the dashboard, the API or your CRM. The API uses form-encoded POSTs with an API key, and there's a sandbox to build against.
Does CreditPullEngine make lending decisions?
No. We provide reports and analysis. Lending decisions belong to your lending or financing partner.
Why don't you name other companies?
Products change often. We describe categories so the comparison stays fair and accurate. Check the details with any vendor you consider.
See it on a live call.
Book a demo and we'll run a pull, the analysis, and a ClearView session with sample data.