The whole point isn't just lower-priced reports (though those are nice). It's that you can credit-qualify a buyer yourself — anywhere, any hour — with a link, a form on your website, or a quick license scan. No $150 pull, no waiting, no guessing. Just a clear answer before you load up the car. Whether you list homes or write loans, that changes your day.
You know the day. You blocked the afternoon, lined up the showings, maybe skipped your kid's game — and the buyer was never going to qualify in the first place. We built HomeBuyCredit so that never has to happen again.
Qualify the buyer first. Then spend your time on the people who can actually walk into a home. It's a simple idea, and it gives you back the one thing you can't buy more of.
Pick whatever fits the moment. However a buyer reaches you, you can know if they're real — without dragging anyone else into it.
Text or email a buyer your personal link. They check their credit and buying power in minutes, and they come back to you already qualified.
Drop a simple form on your own website. Visitors qualify themselves around the clock — and land in your pipeline while you sleep.
At an open house, scan a license right in the app to get the conversation started. Built for the doorway, not the desk.
Every one of them ends the same way: a credit-qualified buyer, in your pipeline.
When we first started, we sat across the table from loan officers who were paying $150 for a single 3-bureau credit report. One hundred and fifty dollars. To pull a report. On one borrower.
Those loan officers weren't doing anything wrong — that was just the going rate, and they were stuck with it. Agents had it no better: wanting a read on a buyer meant either guessing or footing that same overpriced bill. Everybody in the deal deserved a straighter answer than “pay $150 and wait.”
Why should an honest read on a buyer cost $150 and a week of back-and-forth? It shouldn't. So we put that power right in your hands — agents and loan officers alike.
Today you qualify the buyer yourself — by link, by form, or by scanning a license — and a full 3-bureau report runs as low as $29. That's the whole pitch, really. We just got tired of watching good people overpay and guess.
We're not reinventing the credit report. We're reinventing everything annoying about getting one — and who gets to use it.
Per-use pricing varies by plan — see the full pricing page for exact figures.
A link, an embedded form, or a license scan. You don't have to be at your desk — or wait on anyone — to know who's real.
List homes or write loans — either way, you get the same instant read on a buyer, no overpriced pull and no waiting on someone else's portal.
Stop touring three houses for someone sitting at a 380. Know before you load up the car.
Compliance-first from day one, so the responsibility that comes with credit data is handled — by us.
We'd rather tell you straight than dress it up. Today, every report comes with the FICO® Score 8— the most widely used FICO score in lending. That's a real, lender-grade FICO model: not a free “educational” VantageScore like the ones consumers pull on Credit Karma, and not a $150 tri-merge. It's the genuine article, at a price that doesn't sting. FICO 2, 4, 5 and VantageScore 4.0 are on the way, and rolling them out one at a time is part of how we keep that price this low.
Rolling these out deliberately keeps costs down — which keeps your price down. That's the trade, and we think it's a fair one.
Joining costs nothing and takes minutes. Send a link, drop in a form, or scan a license — and see who's actually ready to buy.
