Most lenders already run on Salesforce. The decisioning — pulling credit, scoring an applicant, documenting why you said yes or no — usually happens somewhere else: a bureau portal, a spreadsheet, an analyst's judgment that's hard to reproduce six months later. LASER Credit Access is credit decisioning software that closes that gap by living inside the environment you already work in. Three engines — ACCESS, DECIDE, and COMPLY — turn credit retrieval, automated underwriting, and compliance into one auditable workflow.
What credit decisioning software should do
Good credit decisioning software does more than return a score. It should bring the right data in, apply the same rules to every applicant, leave an audit trail an examiner can follow, and keep the whole process compliant by design rather than by after-the-fact review. Just as important is where it runs: every additional system that touches borrower data widens your attack surface and complicates your compliance story. LASER is built so the data never leaves your control.
ACCESS, DECIDE, COMPLY
One auditable workflow, three engines — credit retrieval, automated underwriting, and compliance, all inside Salesforce.
Credit and identity data, without leaving Salesforce
ACCESS pulls unified credit, identity, and verification data straight into your Salesforce records — from Experian, Equifax, TransUnion, MeridianLink, Plaid, and a broad network of resellers. Your team retrieves what it needs where it already works, instead of logging into a separate portal and copying results back by hand. One environment, consistent data, no swivel-chair.
Explore ACCESS on the platform »Automated underwriting you can defend
This is the decisioning core. DECIDE applies configurable scorecards and decision rules so identical inputs produce identical outcomes, every time — and every decision leaves a documented trail. That consistency is good business, and under ECOA / Regulation B it's the line between a process you can defend and one you can't. Instant, rules-based decisions replace the spreadsheet and the gut call.
Explore DECIDE on the platform »Regulatory safeguards built into the workflow
Compliance works best as part of the process, not a review after the fact. COMPLY embeds the major checkpoints — FCRA, ECOA / Regulation B, GLBA, OFAC, BSA / AML, and CFPB Section 1033 — directly into the decisioning workflow, so the guardrails are present at the moment a decision is made.
Explore COMPLY on the platform »Catching fraud before the decision, not after
The same identity verification and watchlist screening that power ACCESS and COMPLY also act as an early fraud filter. Confirming an applicant's identity, flagging address and data discrepancies, and screening against OFAC and BSA / AML lists before a decision is made protects your capital and gives legitimate borrowers added assurance that their identity is handled carefully.
Your borrowers' data never passes through us
The LASER application runs inside your own Salesforce instance. Bureau calls originate from your environment and travel directly to the bureau or your chosen reseller. LASER never receives, stores, processes, or routes consumer credit data or borrower PII through any infrastructure we operate. For a GLBA-regulated institution, fewer parties touching sensitive data means a smaller attack surface and a cleaner compliance story.
Who it's for
LASER Credit Access serves mortgage lenders, fintech companies, equipment-finance and commercial lenders, banks, credit unions, nonprofits, and CDFIs — any organization that needs accurate, compliant credit decisioning inside Salesforce. More than 150 financial firms rely on LASER as the compliant layer between them and the bureaus.
Frequently asked questions
What is credit decisioning software?
Credit decisioning software automates how a lender evaluates an applicant — gathering credit and identity data, applying consistent scoring rules, and producing a documented, defensible approve/decline decision. LASER Credit Access does this inside Salesforce so the data and the decision live in one system of record.
Does LASER store our applicants' credit data?
No. LASER runs inside your own Salesforce instance. Bureau requests go directly from your environment to the bureau or reseller; LASER never receives, stores, or routes consumer credit data or borrower PII.
Which credit bureaus does LASER support?
Experian, Equifax, and TransUnion, plus MeridianLink, Plaid, and a broad network of resellers — including tri-merge reports.
How does LASER help with compliance?
The COMPLY engine embeds FCRA, ECOA/Regulation B, GLBA, OFAC, BSA/AML, and CFPB Section 1033 checkpoints into the decisioning workflow, and DECIDE's rules engine produces the audit trail those regulations expect.
Is LASER available on Salesforce AgentExchange?
Yes. LASER Credit Access is listed on Salesforce AgentExchange and installs into your existing Salesforce org.