Sonar supports direct integration with over 25 credit providers to automate soft and hard credit pulls within your loan origination workflow.
For a full overview of all integrations Sonar supports—including Pricing, AUS, eSign, and CRM—see Setting Up Integrations in Sonar.
What This Article Covers
How to set up and activate a credit provider (step-by-step)
Credentials required by each provider
Managing active vs. inactive providers
Full list of supported credit vendors
Company vs. Personal Connections
When adding a credit integration in Sonar, you can choose who it’s available to:
🔹 Company-Level Connection
Shared across your entire team
Recommended for most setups
Managed by an admin or company owner
🔹 Personal (User-Level) Connection
Only visible and usable by you
Useful if your company uses different credentials per user
Especially common for Credit, Pricing, and AUS connections
Set Up and Activate a Credit Provider
Go to Settings > Integrations
Click Add Integration
Select Integration Type:
Hard CreditSoft Credit
If you're using the same provider for both types, add it twice—once for each.
Choose your credit provider
Enter your provider credentials (details below)
Decided if you want to share company-wide
For company connections, Admins can choose to make the connection available to the company or only for admins. In this example, the connection is shared
Choose your credit bureau(s) (at least one required)
Click Test to verify the connection
Click Save once the test is successful
Use the Active Integration toggle to make this your default provider
Only one active soft and one active hard provider is allowed per access level
Switching the toggle automatically deactivates the previously active integration
For the connection to be used, the connection should say "Active Integration"
🧾 Required Credentials by Provider
Equifax
To set up Equifax as a credit provider, you will need the following information:
Account - Equifax account user name for your soft credit
Password - Equifax password for your soft credit
Informative Research
To set up Informative Research as a credit provider, you will need the following information:
Client ID - Client ID number
User ID - IR account user name
Password - IR account password
Fannie Mae Password (optional)
To find your company fannie mae password go to IR > Settings page
Providers via MeridianLink
Sonar integrates with the following providers through MeridianLink:
Advantage Credit
Advantage Credit Bureau
Advantage Plus Credit
American Reporting Company
Birchwood Credit Services
CBFS Business Solutions
Certified Credit Reporting
CIC Credit
CISCO Credit
Credit Bureau Services
Credit Information Systems
Credit Link
Credit Technologies
Credit Technology
Information Searching Company (ISC)
KCB Credit
Lenders One
Merchants Credit Bureau (Augusta)
Merchants Credit Bureau (Savannah)
MeridianLink, Inc.
Premium Credit Bureau
Premium Credit Bureau Data
SARMA
Service 1st
SettlementOne
TheCreditBureau.com
United One Resources
Xactus CIS
Xactus Credit Plus
Xactus Datafacts Lending
Xactus Universal Credit
Xactus360
Required Fields:
Account – Your provider username
Password – Your provider password