Glide allows your credit union to automatically run a soft pull credit report when new applications are submitted. Experian, Transunion, and Equifax are supported. Depending on the setup, these reports can be auto-generated or manually triggered by staff via the dashboard. Once reports are run, they will appear in the Documents section within the member details page of the Glide dashboard:

The report will be broken down into 4 categories: Credit Score, Personal Information, Account Summary, and List of Accounts. These will all show appear on the first page for easy synopsis of the report.

Sample Transunion Credit Report: SampleCreditReport.pdf

The Credit Score section will show the credit score of the individual. The graph to the right of the score will show only one data point unless the report is run multiple times on the same individual.

VantageScore 3.0 Description

VantageScore returns a single number, ranging from 300 to 850. The table below maps numeric credit score ranges to a user-friendly description.

The "Personal Information" section contains identifying details such as the consumer's name, address, Social Security number, date of birth, and employment information. This section is used to verify the consumer's identity and does not affect the credit score.

The account summary section will show an overview of each category of attributes within the report such as balances, payments, open accounts, and closed accounts.

Below the account summary is a list of what loans products the individual currently has outstanding, based on data reported to the bureau your credit union uses.

Data associated with each each loan type will appear below the account summary, with the most recent loan showing up first.

A list of hard inquiries is presented. In VantageScore 3.0, the "Hard Inquiries" section lists credit checks by lenders when a consumer applies for new credit. These inquiries can slightly lower the credit score and stay on the report for up to two years.

Collection accounts remain on credit reports for up to seven years, starting from the date of the first missed payment that led to collections. This applies to both paid and unpaid collections. However, VantageScore 3.0 ignores paid collections.

Next, any public record information is shown. In VantageScore 3.0, public records include bankruptcies, tax liens, and civil judgments, all of which impact an individual’s credit score. Bankruptcies can significantly lower a score and remain on the credit report for up to 10 years. Although tax liens and civil judgments used to be reported, recent changes mean they are no longer included.

In VantageScore 3.0, the "creditors" section lists financial institutions that have extended credit to the consumer, such as banks, credit card companies, and lenders. It includes details like account type, balance, and payment history to assess creditworthiness.