DBA American Credit Systems, 2018. The Punt Group, LLC

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American Credit Systems Blog

August 23, 2018

This blog post discusses how companies are saving time, money, and other resources spent on unqualified leads by running a soft credit check on potential customers early on in the sales cycle.

February 25, 2018

Industry professionals can now pull their customer’s entire credit report and FICO scores, on demand, with a soft pull credit check. ISoftpull delivers a consumer’s entire credit report and FICO score, using the consumer’s name and address only, without doing a “hard c...

January 17, 2018

The December 2017 Recent Interpretation of the Military Lending Act Affects Sales of GAP to Active Duty Service Members & Their Dependents


Military Lending Act (MLA) protections went into effect on October 3, 2016. In December of 2017, it was amended.  The updates to t...

August 31, 2017

In recent weeks American Credit Systems has launched its Volume Discount Program for auto dealers pulling credit reports. The program is geared toward new and used auto dealers who pull Experian, TransUnion, and/or Equifax credit reports and elect to receive their cred...

August 21, 2017

The basic answer to this question is that a soft credit pull does not impact the consumer’s credit score, while a hard inquiry does.  In the traditional sense, when the finance team at a dealership pulls a hard inquiry, there are generally two things that are happening...