Soft Credit Pull
Account-gated, single-bureau credit pull with plain-language consent, declined without friction, consent recorded. In Late S1 this is a one-time value exchange (offered once) that replaces the neutral rate baseline with a real, personalized rate/pricing quote (credit score, LTV, occupancy, property type factored in). Recurring soft-pull use — monthly monitoring and on-demand re-pulls — is a separate S3 Nurture capability requiring its own standing, revocable consent.
| Audience | Name |
|---|---|
| Engineering (code) | — |
| Design (UI label) | — |
| Borrower-facing | — |
| Do not use | — |
Sources
- Clarity Engine PRD V7 — Requirement #14
Related
Neutral Rate Baseline, Credit Monitoring, Always Approved State
Referenced by
Credit Monitoring, Late S1, Neutral Rate Baseline, Scenario Refinement