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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.

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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.

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Key Categories Pulled

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1. Number and Age of Accounts

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

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2. Balances & Payments

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

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3. Credit Limit & Utilization

  • Credit usage vs limits
  • Revolving and installment utilization

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4. Delinquencies

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

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5. Public Records & Collections

  • Collections, tax liens, repos, judgments

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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

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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.

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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:
FieldDescription
qualified_leadtrue/false — Did lead meet qualification rule
isCreditCheckedtrue/false — Was API invoked
debt_amountVerified debt value
isDebtAmountSuccesstrue/false — API response success
Note: Use these values in routing logic, compliance checks, or reporting dashboards.