We are looking at the soft pull option of credit reports for our pre qualification applications. Do you have to provide the credit score disclosure and the Notice to Homeowner on a Pre Qualification? These are provided to us by our credit report provider in a typical credit report, but not in a soft pull option.

You cannot do a soft pull for prequal evaluations.

https://www.bankersonline.com/forum/ubbthreads.php/ubb/showflat/Number/2280292

Besides the reference above, I've always associated soft pulls with current lenders verifying credit, and getting the listing for solicitations. E.g. to credit bureau send a listing of:

all accounts in zip codes 11234, 12346 and 12347 that:
have been in file for 4 years
have at least 3 open accounts
revolving lines no more than 25% utilized
no 90 day accounts in 4 years
less than 2 30 day accounts within the past year.

The CB sends a listing with the information for a pre screening offer.

This was being considered for Pre-Qualifications, not Pre-Approvals. Our credit provider actually approached us on this as they have a pre-qualification offering. We decided it was not for us in the long run.

I would have to look back, but there was a credit bureau offering that at one time and I believe that is was deemed unlawful under the FCRA as it was not for a permissible purpose. Soft pulls either represent a review of an existing account or a prescreen firm offer of credit.