Credit Bureau integration allows both Back office users and Customers request for a credit check. The type of check (soft pull or hard pull) and the moment when the check is performed depend on the account settings
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Access Settings
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In the Settings → Integrations, enable the “Credit bureau” switcher.
The list of fields required for each of the credit bureau service providers depends on the specific provider as defined on there websites and described or referred to in the corresponding documents below.
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All credit bureau service providers support Hard pull. If the “Automatic Hard pull” flag is disabled, the check can be requested by a Back-Office user manually but is not run automatically. Otherwise, it is performed as soon as the customer has applied for the loan.
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Automatic Soft pull on/off | Automatic Hard pull on/off | Behavior |
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ON | ON | As soon as the customer has applied for the loan, the Soft pull is performed. Before the disbursement, the Hard pull is performed Hard pull can be requested manually by a Back-office user at any point before the disbursement |
ON | OFF | As soon as the customer has applied for the loan, the Soft pull is performed. Hard pull can be requested manually by a Back-office user Hard pull can be requested manually by a Back-office user at any point before the disbursement |
OFF | ON | As soon as the customer has applied for the loan, the Hard pull is performed. Hard pull can be requested manually by a Back-office user at any point before the disbursement |
OFF | OFF | Hard pull can be requested manually by a Back-office user at any point before the disbursement |
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While settings up the system, administrators can use Emulator (see How to Use Credit Burau Emulator )
Provider Specific Settings
The rest of the settings depend on a specific service provider, as described in corresponding sections. (see Credit Bureau Settings for Specific Providers )