Screens are well organized in sections with many visual cues that use color to indicate alerts or overdue items
Avoid entering duplicates - CreditSoft automatically checks to see if a lead or client is already in the system
Avoid reentering information - CreditSoft automatically transfers all the information from the enrollment section to the client administration section with one click when you are ready to service the client
Automated warning indicators based on the client or account status
Locate any information necessary in a matter of seconds using toolbars, one-click navigation, or advanced search features
Context sensitive "right-click" menus are available in most frequently used fields for easier navigation to detail records
Advanced searches allow querying by almost any field in the system, for example: SSN , ID number, credit card number, zip code, phone number, dollar amount due, state, and more
Set up customizable menus and buttons to have immediate access to the most used documents and reports
Define the layout of the account list to include the fields in the order you want
Stay on top of the industry changes - CreditSoft's support & maintenance contract includes updates to help meet all creditor and state requirements Enroll new clients in less than 5 minutes Many fields automatically populate such as counselor, location, city, state, budget worksheet, bank name, etc. Automatically calculates default fees (contribution) based on the state Generates documents by state Integrated tasks allow you to easily schedule and track follow-up calls and other activities Instantly quote new monthly payments over the phone using parameters defined in the creditor record, with the ability for managers to override if needed Immediately provide "before and after" snapshots with savings analysis Generate repayment plan reports and charts Log unlimited notes and classify by user, department and note type Enter, schedule, assign and track customer or creditor calls and/or requests Each department can manage their own "queue" Integrated functionality of Microsoft Outlook reminders Use built-in reports to track your teams' ability to handle different tasks Contract & Document Management Use the documents you have already in Microsoft Word and easily link them to CreditSoft CreditSoft personalizes the document by filling in the fields you specified The Document History screen shows who, when and how the contract and other documents were sent Use different contracts & fees per state The client administration screen provides all the information customer service people need to answer client calls Store unlimited notes Easily perform any task related to a client from one area of the application Changes are logged automatically Store all required parameters for credit counseling Create different aliases for the same creditor to simplify data entry (for example: Home Depot and The Home Depot, Victoria 's Secret and WFNNB) Easily transfer groups of accounts and keep a history of the transfers Enable electronic payments and proposals and specific parameters such as choice of format (MasterCard RPPS, Visa E-Pay), include FBD, FBC, etc. Add generic creditors to speed up the enrollment process
Print or transmit proposals in batches at the end of the day or whenever convenient Let CreditSoft figure out which proposals need to be sent Easily setup date filters to prevent proposals from going out too soon Avoid data entry - Import approvals and rejections from your electronic file into CreditSoft Allow the client to approve counterproposals by phone or via the web Import transactions such as balance verifications (direct or through a consolidator such as Vanco)
Easily transmit payments and proposals electronically via MasterCard RPPS, VISA Epay or through a consolidator such as Vanco Services Easily switch groups of accounts from paper to electronic transactions Validate account numbers using the latest masks from MasterCard Send Pre-Check Run test files electronically Find out which creditors can be switched to electronic and increase your fair share by using our Check Run Analysis feature (only available with Vanco Services) Provides a dynamic website for your existing clients where they can get answers 24/7 Lower your number of calls Enhance your agency's image and set yourself apart from the competition CreditSoft's Web Interface was designed using ASP.NET, the latest web technology from Microsoft Client Payments
Based on the client, amount received, and date of the last payment CreditSoft warns the user of possible duplicate payment entries
"Quick Search" allows the user to search by almost any field without leaving the payment entry screen
Space available for detailed notes in every receipt entry
Funds can be automatically held for a defined time-period based on the payment type still allowing accounting managers to override hold if needed
Multiple-month payments can be split into different disbursement dates
Disbursement
Evenly prorate extra funds, or allocate payments based on creditor priority instead
Override payment priority for individual accounts
Make changes to one month without altering the defaults - next month payment amounts automatically revert to the defaults
CreditSoft allows you to reprint and renumber full or partial check runs and print duplicate copies of vouchers at any time
Voids & Refunds
User friendly screens speed up the void and refund process
All transactions are stored in the check register so you can go back and review them at any time
Voids and refunds also appear on the client administration screen for your customer service department
Fair share reprograms automatically based on updated creditor parameters or you can override individually by account
Bank Reconciliation
Clear checks quickly by importing the list of cleared checks from your bank
Use our "Quicken-style" bank reconciliation screen to clear items and reconcile your bank statement
Fair Share Billing
CreditSoft automatically calculates invoices to print based on the billing period and last invoice sent
Automatically accumulate invoices with small amounts until next invoice run or until creditor minimums are reached
Easily view open invoices and payments received
Search invoices by virtually any field
Easily reprint invoice runs or single invoices
Track money received, even partial payments
Use the Status field to mark invoices uncollectible
Easily recalculate fair share to reflect creditor changes
Fees (Contributions)
Use predefined per-client or per-account formulas for fees
Use your own formula for fee calculation if you need to (based on total debt, payment, number of accounts, limits, etc.)
Allow both one-time fees (setup fees, courses, materials, etc.) or recurring fees (monthly contribution)
Allow one-time fees payable in installments
Allow different formulas per state
ACH processing eliminates paperwork CreditSoft contains the same features that come with your bank software Speed up data entry and eliminate errors by importing the transactions directly from your bank (both payment confirmations and returns or NSFs) Import several different formats from financial institutions, including the government standard NACHA format Batch transaction details are stored in CreditSoft - allowing you to go back and check past transaction information CreditSoft automatically checks routing numbers for accuracy Automatically populate the bank name and address when a valid routing number is entered Receive a warning when importing duplicate ACH files Prevent funds from going out, or create a negative balance in the client's account, when client has insufficient funds NSF fees can be automatically charged and recorded in the client's account
Access more than 175 built-in reports Create and design your own custom reports and add them to the built-in reports list in CreditSoft or link them to existing buttons on the CreditSoft screens Use our technical documentation, which includes diagrams and a data dictionary, to help you export data or create advanced reports Receive free estimates on custom reports you need us to create for you Easily e-mail, e-fax, print or preview documents such as contracts, reports and charts Prevent changes to client agreements and other sensitive documents by generating a standard PDF format file Format emails using HTML to allow for use of images, color and links to your website All your settings for both the windows and the web applications are available in one place Update your application regularly using our automatic update feature which allows you to manage test and production databases simultaneously Create your own groups of users Assign permissions to groups Protect entire areas of CreditSoft Disable specific buttons, fields, and screens if needed Prevent unauthorized users from accessing administrative features CreditSoft works in addition to the NT Security on your network Record changes are logged and show the date and time as well as user who did them Automatically log every time a user opens a screen, even if no data is changed
SQL Server jobs can be setup to automate backups Technology plays a critical role in increasing your agency's productivity to stay competitive SQL Server 2000 is the fastest database in the world SQL Server 2000 is the most popular relational database for the Microsoft Windows operating system .NET is the most advanced development technology from Microsoft .NET delivers faster development, deployment and performance than any other programming language Faster development means we are able to respond to your enhancement requests and to the industry changes more quickly than the competition for a fraction of the cost Easily import leads - Specify how to match fields from your file to CreditSoft fields Organize leads and assign groups of leads to counselors Leads can enroll online, provide all the required information, get a quote and repayment plan, and even sign their contract online, thereby eliminating all paperwork Customers and leads can edit their own personal information over the internet Set up appointments based on the first available time slot, counselor or location Easily check the availability of every counselor Set up your business hours, holidays, and particular user schedules in the scheduling setup screens Set up your appointment slots several weeks in advance if needed Copy existing weekly schedules to future weeks to reduce data entry time Keep track of the ROI on all of your different marketing campaigns Track lead conversions, client deactivations, etc. as they relate to the different advertising campaigns that generated those clients originally Set up your commission percentages and your sales department tree Keep track of the commissions that are due to each sales person Print commission checks Ideal for customer service, issues entered in the issue tracking system can be automatically redirected to the right person or department Each issue can have multiple users, notes, and documents attached to it, to keep a detailed log of the work done to resolve it Users can track the time spent per issue Issues can be automatically escalated in priority based on date, category, and other criteria Customizable checklists help you identify and complete any items or procedures needed before closing the issue Existing clients can submit, review, and collaborate on issues or requests via the web interface Workflow Automation is an advanced feature that allows an agency to set up additional business rules that will automatically run when certain events take place such as changing a client, account or issue status Automatic email notifications can be set up to the customer, counselor, and department manage CreditSoft can be setup to only show leads and clients for the current user's location Export your check run information easily to QuickBooks to get a complete picture of your company's financial situation Reconcile from QuickBooks instead of CreditSoft if you want Store important paperwork such as contracts, proposals, and checks in electronic format linked to the client's file View contracts from CreditSoft without wasting time looking for the paper copy You can forward the documents easily by email to creditors and collectors Using the Web Interface, the client can submit, review and approve electronic documents such as a contract or proposal online The complete web interface provides a dynamic website to connect with your leads, clients, creditors, counselors and sales people
Provides a dynamic website for your existing clients where they can get answers 24/7
Lowers your number of calls
Enhances your agency's image and sets you apart distance yourself from the competition
Customizable colors and HTML content
CreditSoft's Web Interface was designed using ASP.NET, the latest web technology from Microsoft
Paperless Enrollment & Quoting
Leads can enroll online, provide all the required information, get a quote and a payment schedule, and even sign their contract online, thereby eliminating all paperwork
Leads can review information anytime after enrolling
Client Login Section
Customers can view and make payments online
Customers can view what proposals have been sent on their behalf and accept counter proposals online if needed
Customers can be granted permission to edit their own personal information over the internet
Customers can view and request changes to their account information
Creditor Section
Give creditors access to account details on mutual clients they have with you promoting positive communication and company image
Lead Management for Counselors
Easily import leads - Specify how to match fields from your file to CreditSoft fields
Organize leads and assign groups of leads to counselors
Leads can enroll online, provide all the required information, get a quote and repayment plan, and even sign their contract online, thereby eliminating all paperwork
Customers and leads can edit their own personal information over the internet
Sales Section
Increase your lead intake by giving your salespeople access via the web
Provides for easy, fast input of leads while simultaneously tracking commissions
The Bill Payment system built into CreditSoft, allows agencies to print or transmit checks to some creditors directly from the client's own bank account (without using a trust account) to pay recurring bills such as cable, phone and electric bills The agency does not receive a check from the client to pay these creditors, instead CreditSoft prints the checks with the Client's ABA routing number and the account number on the check Activating Bill Pay on an account is as easy as checking a box and filling in a few fields, such as the amount and the start date Printing the checks is just a click of a button - CreditSoft automatically determines what checks need to be sent Several reports allow you to know and control what is being processed through Bill Pay