> ## Documentation Index
> Fetch the complete documentation index at: https://docs.pingtree.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Array Credit Pull

> Integrate Array's Product API for full credit reports and Pingtree's soft-pull Credit API for validating credit data without score impact.

## 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.

***

## 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**.

***

## 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.

***

## 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

***

## 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.

***

## 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).

***

## 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`

***

## Integration Steps

### 1. Internal Campaign Forms

<Steps>
  <Step title="Enable Credit Check">
    In your **Campaign Settings**, toggle **Check Credit Lead Data** after all 7 fields are captured.
  </Step>

  <Step title="Enable for Sources">
    In **Source Settings**, toggle on **Debt Amount** under the source config.
  </Step>

  <Step title="Campaign-Level Toggle">
    Enable **Debt Amount** in campaign settings. You can also set a minimum debt threshold for qualification.
  </Step>
</Steps>

### 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.

***

## System Fields Populated

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

| Field                 | Description                                       |
| --------------------- | ------------------------------------------------- |
| `qualified_lead`      | `true`/`false` — Did lead meet qualification rule |
| `isCreditChecked`     | `true`/`false` — Was API invoked                  |
| `debt_amount`         | Verified debt value                               |
| `isDebtAmountSuccess` | `true`/`false` — API response success             |

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

***

## Related Features

* [Form Flow Builder](../funnel-builder/form-flows)
* [Plugin Configuration](../funnel-builder/integrations)
* [Campaign Settings Guide](../campaign/settings)