Array Credit Pull

Overview#

Pingtree offers two types of credit integrations to help you enrich your lead data and improve qualification precision:

1. Array Product API — Full credit report integration inside the Funnel Builder.
2. Soft-Pull Credit API — Lightweight credit validation for lead qualification, without impacting the credit score.

Both options provide flexibility in targeting, compliance, and monetization strategy.

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Compliance & Security#

• All credit data access requires explicit user consent, per FCRA standards.
• Data is encrypted in transit and at rest.
• Sensitive information is never stored unless explicitly configured.
• API calls require wallet balance > 0 and recharge enabled.

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Purpose of Integration#

• Validate and segment leads using real credit data.
• Route qualified leads to higher-paying buyers.
• Create advanced logic flows for financial funnels.

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Array Product API#

The Array Product API retrieves and displays a complete credit report. It's designed to give users visibility into their credit health directly in your funnel.

Activated via Funnel Builder Plugin#

Navigate to Funnel Builder → Plugins → Array, and toggle it on inside the form flow editor.

Upon activation, the system will automatically pull credit data when required fields are collected and consent is granted.

Key Categories Pulled#

1. Number and Age of Accounts#

• Average age of open accounts
• Total accounts, new accounts
• Recent credit card/auto loans
• Student loans and mortgages

2. Balances & Payments#

• Delinquent balances
• Credit card, auto, mortgage balances
• Monthly obligations

3. Credit Limit & Utilization#

• Credit usage vs limits
• Revolving and installment utilization

4. Delinquencies#

• 30/60/90+ day late reports
• Mortgage and account-specific history
• Derogatory marks (charge-offs, bankruptcies)

5. Public Records & Collections#

• Collections, tax liens, repos, judgments

6. Other#

• Credit Score from TransUnion, Equifax, or Experian

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Soft-Pull Credit API (Pingtree Credit Check)#

Pingtree also supports a lightweight credit pull that checks lead eligibility based on actual credit data — without harming the user's credit score.

Use Case: Validate debt, collections, or utilization before sending the lead to buyers.

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Available Soft-Pull Products#

• Base Credit (Debt)
  Returns verified unsecured/revolving debt ranges.

• Full Credit Offering
  Choose specific data points like account age, utilization, collections, and define custom rules (e.g., IF debt > 5000 THEN route to Buyer A).

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Required Lead Fields#

To trigger a credit pull, the following 7 fields must be collected:

1. first_name
2. last_name
3. address
4. city
5. state – Two-letter (e.g., CA)
6. zip_code – 5-digit
7. date_of_birth – MM/DD/YYYY

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Integration Steps#

1. Internal Campaign Forms#

1. Enable Credit Check

   In your Campaign Settings, toggle Check Credit Lead Data after all 7 fields are captured.

2. Enable for Sources

   In Source Settings, toggle on Debt Amount under the source config.

3. Campaign-Level Toggle

   Enable Debt Amount in campaign settings. You can also set a minimum debt threshold for qualification.

2. External Offers or Clickscript#

• Use the Source API or Clickscript to post lead data with correct field names.
• If collecting self-declared debt, post it as debt_selected to avoid conflict.

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System Fields Populated#

After calling the Credit API, the following fields are added to the lead:

Note: Use these values in routing logic, compliance checks, or reporting dashboards.

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Related Features#

• Form Flow Builder
• Plugin Configuration
• Campaign Settings Guide