Major difference, a stock broker would (hopefully) only be working for one broker = one credit pull. An ISO might want to have funding relationships with multiple lenders focusing on different credit quality = multiple credit pulls. Bottom line for my firm, as has been suggested above, if you require personal credit pull we will refer our prospects elsewhere. Plenty of funders still don't require personal credit. Ironically, the lender that insists on the personal credit authority in their application (although they insist they won't pull it?) aggressively markets to ISOs on this site. I can't get past the integrity issue -- why do you require the authority if you won't pull my credit?