---
title: ConsumerDirect Credit Data
---

[![consumerdirect logo](https://partnerships.consumerdirect.com/hs-fs/hubfs/consumerdirect%20logo.png?width=153&height=40&name=consumerdirect%20logo.png "consumerdirect logo")](https://consumerdirect.com/)

## Soft Credit Checks

## Without Risk

Prequalify Your Customers Instantly

Say yes faster and turn browsers into buyers using verified tri-bureau data without hurting consumer credit scores.

[ Learn more ](https://partnerships.consumerdirect.com#Affiliate_form)

![hero](https://partnerships.consumerdirect.com/hs-fs/hubfs/hero.png?width=930&height=600&name=hero.png "hero")

## Ideal Solutions for Key Lending Scenarios

![prequa_icn](https://partnerships.consumerdirect.com/hs-fs/hubfs/prequa_icn.png?width=96&height=96&name=prequa_icn.png "prequa_icn")

#### Prequalify

With Confidence

For personal, home, auto financing,   
or debt consolidation.

![optimize_icn](https://partnerships.consumerdirect.com/hs-fs/hubfs/optimize_icn.png?width=96&height=96&name=optimize_icn.png "optimize_icn")

#### Optimize

Every Lead

FIncrease lead conversions and manage   
funnel performance for more funded loans.

![trust_icn](https://partnerships.consumerdirect.com/hs-fs/hubfs/trust_icn.png?width=96&height=96&name=trust_icn.png "trust_icn")

#### Trust

In Every Decision

Faster approvals. Fewer drop-offs.   
Better loans.

[ Book A 20-Minute Discovery Call ](https://partnerships.consumerdirect.com#Affiliate_form)

## Drive More Conversions. Reduce Risk.

With Soft Pulls’ Credit Data - no score impact, you can:

- Access 3-Bureau Credit Reports & FICO®️ Scores
- Eliminate friction and shorten approval times
- Protect data security with an FCRA Compliant Partner
- Save money and time with bundle pricing plans and personalized support
- Integrate quickly with CRM and lead-gen platforms
- Convert declines into future loyal customers by providing patented credit education tools

![SC-getstarted](https://partnerships.consumerdirect.com/hs-fs/hubfs/SC-getstarted.png?width=507&height=400&name=SC-getstarted.png "SC-getstarted")

![Hero 2_PaidAcq](https://partnerships.consumerdirect.com/hubfs/Hero%202_PaidAcq.png "Hero 2_PaidAcq")

## A Brand You Can Trust

You’re backed by the same trusted technology and customer service that powers SmartCredit®, relied on by millions* of consumers and partners nationwide.

Now, we’re helping businesses like yours turn faster decisions into lasting loyalty.

[ Get Started ](https://partnerships.consumerdirect.com#Affiliate_form)

## Let's Get Connected

![Image 69](https://partnerships.consumerdirect.com/hs-fs/hubfs/Image%2069.png?width=194&height=192&name=Image%2069.png)

![soc2-badge-CWY9fVpX](https://partnerships.consumerdirect.com/hs-fs/hubfs/soc2-badge-CWY9fVpX.png?width=142&height=192&name=soc2-badge-CWY9fVpX.png)

![pci-badge-S9x-r__0](https://partnerships.consumerdirect.com/hs-fs/hubfs/pci-badge-S9x-r__0.png?width=400&height=154&name=pci-badge-S9x-r__0.png)

![Image 64](https://partnerships.consumerdirect.com/hs-fs/hubfs/Image%2064.png?width=400&height=106&name=Image%2064.png)

![Experian BM RGB](https://partnerships.consumerdirect.com/hs-fs/hubfs/Experian%20BM%20RGB.png?width=745&height=355&name=Experian%20BM%20RGB.png)

![Group 186255](https://partnerships.consumerdirect.com/hs-fs/hubfs/Group%20186255.png?width=345&height=65&name=Group%20186255.png)

![Group 186250-1](https://partnerships.consumerdirect.com/hs-fs/hubfs/Group%20186250-1.png?width=861&height=322&name=Group%20186250-1.png "Group 186250-1")

![consumerdirect logo](https://partnerships.consumerdirect.com/hs-fs/hubfs/consumerdirect%20logo.png?width=138&height=36&name=consumerdirect%20logo.png "consumerdirect logo")

Copyright © 2026, ConsumerDirect®, Inc.. Term of Use

IMPORTANT DISCLAIMER: *Any credit scores, plus points, ScoreBuilder**® points, or ScoreBoost™ points shown or inferred are estimates only. Individual results may vary, and results are not guaranteed. ScoreBuilder® is an individual communications tool using our patented Action button where all requests taken by an individual are sent direct-to-creditor customer service. ScoreBoost™ is a payment and spending simulation based on credit utilization. Credit score changes are also estimates only and typically apply to all credit scores similarly including FICO® & VantageScore® versions as credit scores are derived from TransUnion®, Experian® and Equifax® where your payments and spending are reported, and credit utilization is used for scoring.*

![consumerdirect logo](https://partnerships.consumerdirect.com/hs-fs/hubfs/consumerdirect%20logo.png?width=153&height=40&name=consumerdirect%20logo.png "consumerdirect logo")