Array Credit Pull

Pingtree supports a soft-pull Credit API that validates a lead’s credit profile without impacting their credit score. Use it to improve lead quality and enforce qualification rules.

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Available Products

• Base Credit (Debt)
  Returns ranges of unsecured and revolving debt amounts.
• Full Credit Offering
  Select specific credit factors (accounts age, balances, utilization, collections, liens, bankruptcies, etc.) and apply custom IF/THEN rules per factor.

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Required Lead Fields

To call the Credit API, capture and pass these seven values:

1. First Name (first_name)
2. Last Name (last_name)
3. Street Address (address)
4. City (city)
5. State (state) — use two-letter code (e.g., CA)
6. Zip Code (zip_code)
7. Date of Birth (date_of_birth) — format MM/DD/YYYY

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Integration Steps

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1. Internal Campaign Forms

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2. External Offers & Clickscript

• Use Pingtree’s Source API or Clickscript to post lead data.
• Ensure all required parameters match Pingtree’s naming and formatting.
• If you collect a self‑assessed debt amount, post it as debt_selected to avoid conflicts.

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Pingtree System Fields

After calling the Credit API, Pingtree adds these system fields to your lead record:

• qualified_lead: true or false — whether the lead met any assigned debt rule
• isCreditChecked: true or false — whether the API was invoked
• debt_amount: integer — the verified debt from the API
• isDebtAmountSuccess: true or false — whether the API response was successful

Note: Use the response data to inform downstream routing rules or business logic. **Wallet Balance needs to be greater than 0, and recharge enabled to allow for Credit API to function without issues.