Can I pull credit reports for my client?


Unfortunately, no.

No credit report provider will allow a credit repair company to “pull reports” for Credit Repair Clients. It’s against their terms of service.

Yes, if you’re a mortgage broker or auto dealer, you will already have access to professional services to pull reports and FICO scores for your mortgage/auto clients, but doing this will also cause a hit on the client’s score, which your clients wont like very much. These professional services are also VERY expensive.

Also, if you are a mortgage broker or auto dealer and they discover that you’re pulling reports for credit repair clients, they will ban you and your company.

The simplest method we know is to have your client signup for credit monitoring for $1 and then share login details with you. Here’s a link about this:

Importing Online Credit Reports

The 6 credit monitoring services that Credit Repair Cloud can import from are “consumer services” that resell reports and scores directly from the credit bureaus. You can see the list here. Their scores are Equifax, Experian and Trans Union scores. They only cost the client $1 for the report and score (a real bargain) and there’s no hit to the client’s score, which clients love.

Reports from other providers (or PDFs)

If you want to use any other report provider (or a PDF), it wont import automatically into our software, but you can definitely add the dispute items manually. That’s what most people do if their clients bring them other kinds of reports (or PDFs) which are not compatible for import. We only added import 2 years ago, so for more than a decade before that it was all manual, and our wizard makes it easy and fast. If you visit Wizard 3 in our software you’ll see several videos showing these different methods.

Want to learn to import credit reports? 

Awesome.  A tutorial is here Import Credit Reports into Credit Repair Cloud.


If you need assistance with importing reports or using Credit Repair Cloud, schedule a free 1-on-1 session here so we can help you personally!