ACS requires the consent of every client from whom a soft check is performed. Three forms of consent are available through secured means including an online digital signature platform, by phone on a recorded line for verbal consent, or a handwritten signature on the loan application. Even the smallest of business operations can utilize our website integration feature to acquire consent and convert more site visitors into solid leads. Learn More.

Is a soft pull really enough? The answer is, yes. The information delivered by ACS's fast and easy credit check is the same information that is provided in a hard credit report including concise credit scores, complete payment histories, all available credit related public records, and negative points. The difference is the negative impact a hard pull has on a client’s credit, opposed to a soft pull having zero impact. It’s totally discrete, reliable and complete. 

ACS delivers your client's credit report and score using only requires your client's name and home address for a complete credit report and FICO® score. 

However, if your customer gives you a new home address that has not been recorded with the bureaus yet, or if two generations of people are living at the same address with the same or a similar name, we may require a date of birth or social security number to accurately identify the applicant and complete the report. 

Inquiries into someone’s credit history can adversely impact their credit rating for up to two years after the inquiry. ACS's soft credit check has no adverse impact at all on a person’s ratings, and there is no compliance reporting requirement for your company. Discretely investigating your prospects can also avoid alerting the competition. It's a safe, secure way to ensure that you are dealing with the right people, without alerting the wrong people.