American Credit Systems
  • Soft Credit Checks 

    We provide  businesses the ability to check their customer's credit with a soft credit check. Our cutting edge technology delivers an entire credit report and FICO score using your customer's name and address only. Submit this form to view a sample soft pull and request a demo.
    • No Social Security or Date of Birth Required
    • Accurate FICO Scores and Full Credit Reports
    • No Credit Score Impact
    • Website Integrations With API Access

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Know Your Client's Credit Now

iSoftpull's cloud based technology enables businesses to instantly identify their client's credit worthiness at the beginning of their sales cycle.  Using your customer's name and address only, and without impacting their credit report or score, iSoftpull will instantly deliver you your client's entire credit report and FICO score. This can be done over the phone, online, or in person.

Save Money and Resources

As a result of learning your customer's credit profile at the beginning of the sales cycle, you will save time, money and valuable resources you would have spent on unqualified candidates had you not run the soft pull. No more working a deal for a week, or even months, only to find out when they actually apply for the loan that they never qualified in the first place.

Generate More Revenue

Because you and your sales staff will know which deals to prioritize and which deals to reconsider spending time on, you will focus your energy on deals that make sense. The result being you will generate more revenue.  Additionally, by leveraging iSoftpull's  technology, you will create/capture more leads via your website and through your referral sources.

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​Select Your Industry

If your industry is not listed below, it does not necessarily mean we don't/won't serve you. Generally speaking, our customers tend to be in the financial services field,  however if your company has a need to check your client's credit to see their ability to repay a loan/line of credit, we can probably serve you too. This is typical of companies that do in house financing and do not necessarily fit in a specific industry.  Industries we do not serve are credit repair, tenant screening, private investigators, etc.  

Soft Credit Checks for the Mortgage Industry
Soft Credit Checks for the Business and Personal Loan Industry
Business/Personal Loans
Soft Credit Checks for the Solar Industry
Soft Credit Checks for the Auto Industry

Online Lending Platforms

Online platforms with financing options love our iSoftpull Quick Solution and APIs.

iSoftpull Quick Solution

  • Website Integration
  • Consumer Facing Application Forms
  • Instant Decisioning
iSoftpull Custom API Builds
  • API Documentation
  • Sandbox Environment
  • Full Control & Development Freedom
Soft Credit Checks APIs
Credit Reporting Software  APIs
Credit Check Automation API

​Soft Pulls For Mortgage Professionals

Why Would A Mortgage Broker Use A Soft Pull?

  • Get More Leads Online and Generate More Revenue: Because a soft credit check can be done with a name and address only and does not impact a consumer's credit, consumer's are more willing to fill out online pre-qualification applications. This is because it takes less time than filling out a full length application online (people hate filling out long applications) and customer's are reluctant to give out their social security number.  Learn More 
  •  Get More Leads With Verbal Consent: With verbal consent on a recorded line, mortgage professionals can pull their client's credit report and FICO score. We have found that consumers become sticky to a mortgage professional once they have ran a soft credit check on them. More specifically, once a mortgage professional has ran the customers credit, he is able to speak more intelligently about the deal, and is also able to "sink his teeth" into the deal. 
  • Get More Referrals: Real estate agents will send you all of their client's because they are self interested and want to know their customer's credit score, but they do not have the ability to run credit because they are not the lender.  Learn More About Getting Referrals From Real Estate Agents
  • Save Time and Money: Running a soft pull will put you "in the know" about your prospect's credit condition at the beginning of the sales cycle. This will save you time and money from working on deals that do not qualify in the first place. Learn More About About Soft Pulls
  • Protect Your Leads: Soft pulls do not activate "trigger leads." Because a soft pull does not place an inquiry on a customer's credit report, your competitors trigger leads will not be activated.  
  • Save Money Again: Soft pulls cost about $3 each... a tri-merge can cost up to $30 per report.  Mortgage brokers using soft pulls save money because they wait until they are confident they have a deal to run a tri-merge and they don't run them on deals that don't close. They can do this because they can get the full credit report from iSoftpull. Also, they are happy to pay the fee for the tri-merge when they are confident hey have a deal. 

How to pull a credit report on you client
Soft Credit Check APIs
Online Lead Generation

Our software enables you to pull your client's entire credit report using their name and address only, from your website. 

Run a soft credit check over the phone
Getting Consent on the Phone

While on a recorded line, and with your customer's consent, you can pull your client's entire credit report and FICO score.

Run a soft credit check in your office
Face to Face Meetings 

Through a paper application, your mobile phone, or your computer, our software will instantly give you your client's credit report.

Soft credit checks for mortgage brokers

​How to get real estate agents to send you deals

Put yourself in the shoes of a real estate agent. Not having the ability to check your client's credit, but being totally dependent on your client's credit for their ability to buy a house. Picture yourself driving your client around for months on end to look at houses only to find out they do not qualify... Were talking lunches, dinners, greeting cards and everything only to find out they have a 500 credit score! This is where you come in... 

With iSoftpull, you can give your real estate agent referral sources on demand access see what loans their clients qualify for. This is done through our state-of-the-art decisioning engine which integrates in to your website. Simply select your underwriting criteria in your iSoftpull portal, and when your client submits an online application, it will tell them what loans they are prequalified for. This will give you the lead, the real estate agent an understanding of their client's credit, and the consumer an idea of whether or not they can qualify for the home purchase. 

​Soft Pulls for the Solar Industry

Soft Pulls for the mortgage industry

How the solar industry uses soft pulls in their day to day business operations

Our residential solar clients use our software to prequalify their candidates when  their reps are in the field, or when their finance team is speaking to prospects on the phone. In short, our solar clients want to know their prospect's credit profile prior to spending time bidding the job and sending the loan to the finance company. By running soft pulls, our clients save time and money because they are not sending representatives out their client's houses to bid jobs, spending time writing the deal, then sending unqualified candidates to their lender partners. 

Phone Processing Applications

Our cloud based software includes unlimited users with no extra fees. This will allow  all of your phone agents to log into our portal, or visit your website and pull your prospects credit while they are on the phone. 

In the Field Credit Decisions

So you're at your prospect's house and he is asking buying questions... What do you do? Do you spend another hour drawing up a bid and then a week processing the application, or do you get your client's consent to run a soft pull from our cloud based soft ware?

Soft credit checks for solar companies

Instant Credit Underwriting 
and Decisioning

The goal is simple: give your representative a decision of whether or not their client qualifies for your program with one click of the mouse, or one tap of the screen. 

Score Only and Multi-Criteria Decisions

Set up preset underwriting criteria with our decisioning engine. Whether it be credit score only, or a mixed bag of credit report factors, your agents will know exactly what credit profile their prospect is.

Get Decisioning in the Office 
or in the Field 

Our software integrates into your website and email. By integrating our software to your website, your representatives will be able to get credit decisions irrespective if they are in the field or in the office. 

​Soft Pulls for Business and Personal Loan Brokers

Soft pulls for business an personal loan companies

On Demand Credit Report Access

Business and personal loan professionals love our software because it gives them instant access to their customer's credit report and FICO scores. No longer will you have to send your customer to a third party's website and ask your customer to pay for some other service, download their credit report, and share it with you. With iSoftpull, as soon as you get your customer's permission to pull their credit report, and with one click of the mouse, you will instantly be able to download and view their entire credit report and score.  

iSoftpull delivers a FICO or Vantage Score and complete credit report in an easy to read format. The credit report includes delinquencies on all accounts such as mortgages, credit cards, student loans, etc. It also includes inquires from the the last two years, public records, and warning messages. 

How To Pull Your Client's Credit

Our software is a cloud based application you log into, just as you would Facebook, Gmail, or any other cloud based platform.  Our business and personal loan broker customers typically get their client's consent over the phone, online, or in a traditional paper application. Once you have obtained your client's consent to run a soft credit check, you will log into our portal with your username and password, enter your client's name and address, and with one click of the mouse you will instantly receive your client's entire credit report and FICO score.


Soft pulls for auto dealers

Accurate FICO Scores

All Score Versions and Models

Full Credit Reports

TransUnion, Experian, and Equifax

Create Pre-Qualified Leads From Your Website

 iSoftpull enables dealers to pull a soft credit check from their website. Leads that come in from a soft credit pull close at twice as a high of rate than those that come in with just a name and contact. This is because the dealer is able negotiate an accurate deal without the customer having to fill out a fill/long credit application. 

Sell More Cars
at the Dealership

A recent trend occurring at dealerships is all customers on the lot get a soft pull ran on them. Consumer's are willing to have a soft pull ran on them because it does not hurt their score and an inquiry is not placed on their credit report. Once you have their entire credit report and FICO score, you can sink your teeth in and start selling!

Decreased Compliance Obligations on Soft Pulls

When a customer gives you consent to run a soft pull, they are not applying for a car loan, they are getting prequalified for one. Because they are not applying at this stage,  you do not have to send them an Adverse Action letter, nor present them with Risk Based Pricing, nor run an OFAC check on them. This saves time and money!.