A real VantageScore 4.0 credit score and debt-to-income ratio from just a name, email, and phone — no Social Security number, no paperwork, no hard inquiry. A consent-logged soft pull that never touches the customer's credit, turned into a game plan your finance manager can use on the spot.
The manager enters the customer's name, email, and phone, confirms the customer's consent — and gets this back in seconds.
Payment headroom at 32% DTI — strong candidate for full-term coverage.
Prime score means credit-union counter-offers — lead with coverage differences, not price.
Illustrative example.
The manager tells the customer it's a soft pull that will never affect their credit, and the customer agrees. That consent is required before the lookup will run — and it's recorded with the manager's name, the time, and the device, every single time.
No Social Security number required. No credit application. No printouts. The manager types three fields they already have from the deal — optional extras like address or income sharpen the result, but they're never required.
The VantageScore 4.0 and debt-to-income ratio come back almost instantly, and the AI turns them into coaching: a readiness read, the products from your own catalog that fit this financial picture, and an opener the manager can lead with. Every lookup is saved to the manager's history and visible to the store's leadership.
Credit data deserves more care than a chat log — so Pre-Qual keeps almost nothing.
Every lookup is a soft pull. The customer's credit score is never affected — not by one lookup, not by twenty.
No lookup runs without the customer's authorization — and each one is recorded with who ran it and when, building an audit trail automatically.
Only the name, the score summary, and the consent record are kept. Social Security numbers and dates of birth are never stored — and the pre-qualification is an estimate, not a financing decision.
Your best managers read the deal before they open their mouth. Pre-Qual gives every manager that read — the score, the payment headroom, and a plan — before the customer sits down.