American Credit Systems

  • Soft Pulls for the Business and Personal Loan Industry

    On-demand credit report access with full up-to-date credit reports and FICO scores with the click of a button. 

On Demand Credit Report Access

The traditional process of completing lengthy forms and requesting personal information from clients are outdated and costly, not to mention potentially damaging to people’s credit scores. With a simple consent, over the phone or via digital signature, you can instantly view entire credit reports and scores without hassle. 


ACS provides a complete, accurate and comprehensive credit report. Uncover 2 years of inquiry history, public records, warning messages, and all account delinquencies including credit cards, mortgages, student loans, etc. 

A FICO® or Vantage score is also available as an alternative or in addition to a soft pull.

How to Pull your Client's Credit

ACS's platform delivers a complete report and FICO® in three easy steps:

  1. Obtain consent: Acquiring consent can be done online, over the phone, or traditionally by paper application. 

  2. Login to ACS Using your unique username and password

  3. Access report Inputting only a legal name & address