Question 1

What is OmniaIQ?

Accepted Answer

OmniaIQ is a real-time credit qualification platform. It tells lenders, ISOs, agencies, and high-ticket sales teams whether a lead can fund — including credit score, available credit, and program eligibility — before the first call, without an SSN and without impacting the applicant's credit score.

Question 2

Is OmniaIQ a lender or credit bureau?

Accepted Answer

No. OmniaIQ is a qualification layer. It does not underwrite loans, extend credit, or issue credit reports. It uses compliant soft pull credit data to return a verdict, program match, and Buy Now, Pay Later eligibility.

Question 3

What is a soft pull, and does it affect credit score?

Accepted Answer

A soft pull is a permissible-purpose credit inquiry that returns credit data without impacting the consumer's score and without appearing on their credit report. OmniaIQ uses soft pulls only.

Question 4

Do you need an SSN to qualify a lead?

Accepted Answer

No. OmniaIQ qualifies leads with name, address, and date of birth — no SSN required. That is a core design choice, not a workaround.

Question 5

Is OmniaIQ FCRA compliant?

Accepted Answer

Yes. OmniaIQ operates under FCRA permissible purpose for pre-qualification, uses soft pulls only, and captures the required consumer consent at the point of qualification.

Question 6

Where is the credit data sourced from?

Accepted Answer

OmniaIQ pulls credit data from the major U.S. bureaus through compliant, permissible-purpose channels. It returns a verdict and program match, not raw bureau data resale.

Question 7

How does OmniaIQ improve fund rate?

Accepted Answer

By moving qualification to the top of the funnel, sales reps stop spending time on leads that can never fund. Lenders using OmniaIQ commonly see fund rate rise from mid-single digits into double digits while cost per funded deal falls.

Question 8

How fast is the qualification?

Accepted Answer

Verdicts return in seconds. In production, most lookups complete in under 60 seconds end-to-end, including program matching.

Question 9

Does OmniaIQ integrate with my CRM?

Accepted Answer

Yes. OmniaIQ ships integrations for GoHighLevel, HubSpot, Salesforce, Zapier, Make, n8n, Calendly, Typeform, Jotform, and more — plus a REST API and webhooks for custom stacks.

Question 10

How does OmniaIQ price?

Accepted Answer

Pay-As-You-Go accounts pay per qualification with no monthly minimum. Volume users can talk to sales about a subscription tier with per-run overage rates.

Question 11

Is there a free trial?

Accepted Answer

The Pay-As-You-Go plan is self-serve — you can create an account and run your first qualification without a contract. Schedule Demo for a walkthrough.

Frequently asked questions.

OmniaIQ basics

Data & compliance

For lenders, ISOs & agencies

Pricing

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