Credit intelligence, reimagined.
AI-powered credit data processing in milliseconds. Accelerate borrower intake and streamline pre-qualification workflows — without impacting credit scores.
Every credit source, structured into one signal.
OmniScore aggregates the data lenders already rely on — and turns scattered bureau, banking, and identity feeds into one clean, decision-ready payload your team and your models can act on.
Everything you need for faster, more efficient lending.
From the first soft pull to the funding decision, OmniScore handles the credit-data heavy lifting — so your team moves faster with less risk.
Start free trial →AI Soft Pull Engine
Instant credit data aggregation with cashflow analysis, debt flagging, and fraud detection for lender review — no impact to the applicant's score.
Fraud Detection
Real-time OFAC screening, SSA-89 verification, synthetic-identity detection, and velocity checks — flagged before a file ever reaches your underwriters.
Usage-Based Pricing
Pay only for what you use. No minimum commitments, transparent pricing, and volume discounts that scale down as you scale up.
Compliant by construction, not by checklist.
OmniScore handles regulated credit and identity data — so compliance is enforced in code on every pull, logged on every field, and audited end to end.
Independently audited security, availability, and confidentiality controls.
Every pull is gated on a verified permissible purpose before any data returns.
TLS in transit and AES-256 at rest, with scoped, rotating API keys.
Every field carries its source and timestamp — full data lineage on demand.
Configurable retention and one-call deletion to match your data policy.
Soft pulls only for intake and pre-qual — the applicant's score is untouched.
Usage-based. Pay per pull, nothing else.
No seats, no platform fee, no minimums. You're billed for the pulls you run — and the per-pull rate drops as your volume grows.
Ready to transform your lending?
Faster intake, cleaner credit data, and fewer surprises for your underwriters. Start free — no credit card, no minimums.