--- title: "OmniaIQ vs. iSoftPull: Verdict + Program Match vs. Raw Tri-Bureau Report (2026) | OmniaIQ" description: "iSoftPull returns a full tri-bureau credit report from name + address, from $99/mo. OmniaIQ returns a Qualified/DNQ verdict with loan program matching from name/phone/email, from $12/run or $499/mo." lang: en json-ld: | [ { "@context": "https://schema.org", "@graph": [ { "@type": "Organization", "@id": "https://omniaiq.ai/#organization", "name": "OmniaIQ", "url": "https://omniaiq.ai", "logo": "https://omniaiq.ai/favicon.ico", "sameAs": [] }, { "@type": "WebSite", "@id": "https://omniaiq.ai/#website", "url": "https://omniaiq.ai", "name": "OmniaIQ", "publisher": { "@id": "https://omniaiq.ai/#organization" } } ] }, { "@context": "https://schema.org", "@type": "FAQPage", "mainEntity": [ { "@type": "Question", "name": "iSoftPull vs OmniaIQ — what's the biggest difference?", "acceptedAnswer": { "@type": "Answer", "text": "Input and output. iSoftPull requires name + address and returns a full raw credit report. OmniaIQ requires name/phone/email (no address) and returns a Qualified/DNQ verdict with program matching. That makes OmniaIQ usable earlier in the funnel." } }, { "@type": "Question", "name": "Does iSoftPull require an address?", "acceptedAnswer": { "@type": "Answer", "text": "Yes. iSoftPull needs a name and address for identity match; phone and email are not required. OmniaIQ requires no address." } }, { "@type": "Question", "name": "Which is better for mortgage lenders?", "acceptedAnswer": { "@type": "Answer", "text": "Both, at different stages. OmniaIQ pre-qualifies raw leads before your LO's first call. iSoftPull is a fit once you've captured address and want the full tri-bureau report with all FICO mortgage models." } }, { "@type": "Question", "name": "How does per-run cost compare?", "acceptedAnswer": { "@type": "Answer", "text": "OmniaIQ Business Funding PAYG is $12/run and includes the verdict + program match. iSoftPull tri-merge runs about $11.52/pull with volume discounts available." } }, { "@type": "Question", "name": "How fast is each?", "acceptedAnswer": { "@type": "Answer", "text": "OmniaIQ returns a verdict in under 3 seconds. iSoftPull averages ~10 seconds for a full report. For live routing during form submit or calls, sub-3-second results are a materially better experience." } }, { "@type": "Question", "name": "Does iSoftPull have fraud detection?", "acceptedAnswer": { "@type": "Answer", "text": "Yes — its Identity Risk Suite adds 86+ fraud alerts (synthetic, true-name, hot address, deceased SSN) and is PATRIOT Act Red Flag compliant. OmniaIQ does not currently ship equivalent fraud alerts." } }, { "@type": "Question", "name": "Does OmniaIQ support hard pulls?", "acceptedAnswer": { "@type": "Answer", "text": "No — OmniaIQ is soft pull only, designed as the pre-qualification layer before the hard-pull stage. iSoftPull supports both soft and hard pulls through the same platform." } }, { "@type": "Question", "name": "Can I use both together?", "acceptedAnswer": { "@type": "Answer", "text": "Yes. A common pattern is OmniaIQ for pre-pipeline qualification (name/phone/email) and iSoftPull once address is captured for the full report and hard pull." } } ] }, { "@context": "https://schema.org", "@type": "BreadcrumbList", "itemListElement": [ { "@type": "ListItem", "position": 1, "name": "Home", "item": "https://omniaiq.ai/" }, { "@type": "ListItem", "position": 2, "name": "Compare", "item": "https://omniaiq.ai/compare" }, { "@type": "ListItem", "position": 3, "name": "OmniaIQ vs. iSoftPull", "item": "https://omniaiq.ai/compare/omniaiq-vs-isoftpull" } ] } ] --- [![OmniaIQ](/__l5e/assets-v1/152fdd9e-99a7-4ee5-90f9-623667af6e90/omnia-logo.png)](/)[Schedule Demo](/schedule-call) [← All comparisons](/compare) Named competitor # OmniaIQ vs. iSoftPull: Verdict + Program Match vs. Raw Tri-Bureau Report (2026) Quick answer iSoftPull needs a name + address and returns a full raw tri-bureau credit report (~10 seconds), starting at $99/mo with per-bureau pricing (~$11.52 tri-merge). OmniaIQ needs name/phone/email — no address — and returns a Qualified/DNQ verdict with FICO, DTI, and loan program matching in under 3 seconds, at $12/run PAYG or $499/mo. Different funnel positions: iSoftPull works best after address is captured; OmniaIQ qualifies raw marketing leads. OmniaIQ is best for Lenders and ISOs qualifying raw marketing leads (web forms, paid ads, referrals) before first contact, and lead agencies delivering Verified Files. iSoftPull is best for Traditional lenders whose borrowers have already provided address, and teams that want raw tri-bureau data with all FICO models plus fraud/identity risk add-ons. ## Side-by-side comparison Criterion OmniaIQ iSoftPull Input required Name + phone + email · no address · no SSN Name + address + consent · no phone/email · no SSN Time to verdict Under 3 seconds ~10 seconds SSN required No No (soft) · Yes for hard pull Data returned Qualified/DNQ + FICO + DTI + program match + full report Full tri-bureau report — all FICO models, tradelines, collections, inquiries, derogs Program matching Yes — automated across every program No — raw data, lender interprets Customizable Pre-Qualification Forms Yes No Customizable Pre-Qualification Website Yes No CRM integrations HubSpot, GHL, Salesforce, Zapier, Make, n8n + more REST API for any CRM/LOS + embeddable web form Pricing model $12/run (Business/Mortgage) · $5/run (Agency) · no platform fee $99/mo entry · $3.84/bureau/pull (~$11.52 tri-merge) Implementation time Same day via named integrations Same day via API or embed form Best for Raw-lead qualification with pre-built verdict + program match + Verified File Post-intake full report with all FICO models, fraud alerts, and hard pull support **How we compared:** Based on iSoftPull's public site (go.isoftpull.com) and OmniaIQ's published pricing as of July 2026. Verify iSoftPull's current features and pricing on [their site](https://go.isoftpull.com). ## Which is right for you? Pick OmniaIQ if… - • Leads arrive with name/phone/email only — no address at first contact. - • You want a binary verdict + program match without building your own decisioning. - • Speed matters — sub-3-second results during live form submission or calls. - • You run a lead agency delivering Omnia Verified Files to lender clients. Pick iSoftPull if… - • Your borrowers have already provided a home address during intake. - • You need specific FICO mortgage models (2/4/5) for GSE, FHA, or VA underwriting. - • Fraud detection (86+ alerts, PATRIOT Act) is a hard requirement in the pull. - • You need hard pull support from the same vendor as your soft pull. ## iSoftPull vs. OmniaIQ — FAQ iSoftPull vs OmniaIQ — what's the biggest difference? Input and output. iSoftPull requires name + address and returns a full raw credit report. OmniaIQ requires name/phone/email (no address) and returns a Qualified/DNQ verdict with program matching. That makes OmniaIQ usable earlier in the funnel. Does iSoftPull require an address? Yes. iSoftPull needs a name and address for identity match; phone and email are not required. OmniaIQ requires no address. Which is better for mortgage lenders? Both, at different stages. OmniaIQ pre-qualifies raw leads before your LO's first call. iSoftPull is a fit once you've captured address and want the full tri-bureau report with all FICO mortgage models. How does per-run cost compare? OmniaIQ Business Funding PAYG is $12/run and includes the verdict + program match. iSoftPull tri-merge runs about $11.52/pull with volume discounts available. How fast is each? OmniaIQ returns a verdict in under 3 seconds. iSoftPull averages ~10 seconds for a full report. For live routing during form submit or calls, sub-3-second results are a materially better experience. Does iSoftPull have fraud detection? Yes — its Identity Risk Suite adds 86+ fraud alerts (synthetic, true-name, hot address, deceased SSN) and is PATRIOT Act Red Flag compliant. OmniaIQ does not currently ship equivalent fraud alerts. Does OmniaIQ support hard pulls? No — OmniaIQ is soft pull only, designed as the pre-qualification layer before the hard-pull stage. iSoftPull supports both soft and hard pulls through the same platform. Can I use both together? Yes. A common pattern is OmniaIQ for pre-pipeline qualification (name/phone/email) and iSoftPull once address is captured for the full report and hard pull. ## Ready to see the verdict for yourself? Schedule a 30-minute demo — we'll qualify your last 100 leads live. [Schedule Demo](/schedule-call) [See pricing](/pricing) ![OmniaIQ](/__l5e/assets-v1/5344b935-33db-4f6d-9634-494f52094646/omnia-logo-dark.png) The real-time credit intelligence layer for lenders, brokers, and lead providers. [support@omniaiq.ai](mailto:support@omniaiq.ai) #### Product - [Real-Time Qualification](/) - [Program Matching](/) - [Integrations](/integrations) - [Comparisons](/compare) #### Solutions - [SMB Lenders](/smb-lenders) - [SMB Lead Providers](/smb-lead-providers) - [Mortgage Lenders](/mortgage-lenders) - [Mortgage Lead Providers](/mortgage-lead-providers) #### Company - [Resources](/resources) - [Guides](/guides) - [Playbooks](/playbooks/smb-lender-lead-pre-qualification) - [Tools](/tools/cost-per-funded-loan-calculator) - [Blog](/blog) - [Research](/research) - [Glossary](/glossary) - [FAQ](/faq) - [Press](/press) - [Contact](/schedule-call) #### Legal - [Privacy](/privacy) - [Terms](/terms) - [Compliance](/terms) - [Security](/privacy) © 2026 Omnia Intelligence Group. All rights reserved. Web Design By [Thrive Media](https://thrivemedia.co) OmniaIQ pre-qualifications are soft credit pulls only. They do not impact the applicant's credit score and are not visible on their credit report.