01
Permissible-purpose recorded
Role and basis are captured up-front; the audit trail starts before the pull.
Products · Credit score & report
Credit reports,anchored in real income.
A credit score without verified income is half the picture. Ethur pairs permissible-purpose credit reports with payroll-direct earnings and bank-direct deposits — for finance, fiduciary, and trust roles where it matters most.
FCRA & state-law compliantSOC 2 Type IIGDPR ready
Triple-anchored credit report
Score · Income · Identity
3-bureau
Coverage
<10s
Report return
100%
Permissible-purpose audited
FCRA
Compliant out of the box
/ The realityA credit score in isolation
A credit score in isolation
tells you almost nothing.
Without verified income, employment, and identity, a credit pull is just a number. Ethur ties every credit report to triple-verified financial reality — so adverse decisions are defensible and informed.
Without Ethur
- Credit pulled with no identity anchor
- No income to compute true DTI
- Manual permissible-purpose audit trails
- Adverse-action letters built by hand
- No connection to employment context
With Ethur
- Identity-anchored credit reports
- Real DTI from payroll + bank income
- Automatic permissible-purpose receipts
- FCRA adverse-action workflows built in
- Tied directly to employment + biometric ID
/ Built for youCredit, in context.
Credit, in context.
Built for compliance.
3-bureau coverage
Equifax, Experian, and TransUnion data with consistent normalized output.
Permissible-purpose engine
Role-based permissible-purpose codes applied automatically with full audit trail.
True DTI calculation
Real debt obligations divided by payroll-direct and bank-verified income.
Adverse-action automation
FCRA-compliant pre-adverse and adverse-action letters generated and tracked.
Score interpretation
Configurable risk tiers and reason-coded summaries for adjudicators.
Continuous monitoring
Optional post-hire alerts on score deterioration for fiduciary roles.
/ How it worksPermissible.
Permissible.
Verified. Defensible.
Every credit report runs against a verified identity and a recorded permissible-purpose — so compliance isn't a checkbox, it's the workflow.
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Identity locked
Biometric + payroll match ensures the report belongs to the right consumer.
03
Credit pulled & contextualized
Bureau data merged with payroll-direct income for a true DTI and stability picture.
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Decision + adverse action
Adjudication routes pass/fail with FCRA pre-adverse and adverse-action letters generated automatically.
Ready to see Ethur on your data?
Start a free trial in minutes, or get a tailored walkthrough with our team.
/ FAQ
Common questions
Is this permissible for all roles?
No — and that's the point. Ethur enforces permissible-purpose rules per role and per state, and refuses pulls that don't qualify.
Are state-level prohibitions handled?
Yes. State-by-state credit-screening laws are enforced automatically, including notification requirements.
Do you do soft pulls?
Yes. Soft and hard inquiry options are supported, with the appropriate disclosure language.