Credit Bureau integration allows back office users to request a credit check. The type of check (soft pull or hard pull) and the moment when the check is performed depends on the account settings
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Please check the table below to understand the system behavior subject to the above-mentioned settings.
Automatic Soft pull on/off | Automatic Hard pull on/off | Behavior |
|---|---|---|
ON | ON | As soon as the customer has filled in the first page of the loan application form and confirmed the disclaimer, the Soft pull is requested automatically . After the application has been approved and before the disbursement, the Hard pull is requested automatically . Soft pull or Hard pull can be requested manually by a back-office user at any point until the loan is archived. |
ON | OFF | As soon as the customer has filled in the first page of the loan application form and confirmed the disclaimer, the Soft pull is requested automatically . Soft pull or Hard pull can be requested manually by a back-office user at any point until the loan is archived. |
OFF | ON | As soon as the customer has filled in the first page of the loan application form and confirmed the disclaimer, the Hard pull is requested automatically. Soft pull or Hard pull can be requested manually by a back-office user at any point until the loan is archived |
OFF | OFF | Soft pull or Hard pull can be requested manually by a back-office user at any point until the loan is archived. |
You should keep in mind, that Hard pull affects the credit history of the Customer.While settings up the system (on UAT environment), administrators can use Emulator (see How to Use Credit Burau Emulator )
Provider Specific Settings
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