CreditSoft combines client management, financial operations, creditor processing, compliance tools, a self-service web portal, and AI-powered intelligence — all configured to how your agency actually works.
CreditSoft replaces the patchwork of tools most agencies rely on. Here's what's included in every installation.
Enrollment, lead distribution, budgeting, financial scenarios, appointment scheduling, and electronic signatures — from first contact to program completion.
ACH processing, check printing, bank reconciliation, payment scheduling, creditor disbursements, and a complete audit trail — all built in.
Import portfolios, batch proposals, send electronic payments via RPPS, manage fair share, and track every creditor relationship in one place.
Customizable ticketing, auto-routing, follow-up scheduling, to-do lists, and workflow rules that make sure nothing falls through the cracks.
Client self-enrollment, online payments via Plaid, e-signatures, support tickets, custom forms, and a fully branded experience — for clients, creditors, and partners.
100+ built-in reports, interactive grids, Excel export, custom report design, and a fully customizable interface — screens, labels, layouts, and data grids per user.
Whether a lead comes from your website, a phone call, or a partner referral, CreditSoft captures them instantly. Leads are automatically distributed to your reps, duplicate detection prevents wasted effort, and your counselors can quote a new monthly payment and DMP length right on the first call.
Client enrollment workflow
CreditSoft includes a full accounting system purpose-built for debt management. Receive client payments, send payments to creditors, reconcile bank accounts, handle NSFs, manage fair share billing, and process commissions — all without leaving the platform.
Financial dashboard and accounting
From importing creditor portfolios to batching proposals to sending electronic payments, CreditSoft centralizes everything. The system auto-validates data before sending, supports MasterCard RPPS and Visa E-Pay, and makes it easy to group creditors for policy changes.
Creditor and proposal management
CreditSoft's built-in ticketing and workflow system routes every task to the right person at the right time. Set up custom workflows that move work through your team automatically — follow-ups, escalations, and handoffs happen without anyone having to remember.
Task routing and workflow automation
CreditSoft includes a full web portal connected to your database. Clients self-enroll, make payments, sign documents, and track progress — without calling your office.
Applicants fill out their info, sign contracts using ICCO Sign or DocuSign, and make their first payment — all from the portal. You define the flow based on their status.
Clients enroll in ACH via Plaid, view payment history, update bank accounts, make extra payments, and adjust dates — within your rules.
Clients submit tickets that route to the right department automatically. Staff can add internal notes, and escalation rules keep things moving.
Build surveys, questionnaires, and legal documents with conditional logic. Pair with ICCO Sign (built-in, 1,000 signatures/month included) or DocuSign for a completely paperless process.
Clients generate personalized PDFs from your Word templates. Design and publish reports using Word or SQL Reporting Services. Export any grid to Excel.
Customize CSS, control which pages each user type sees, change labels and messages, and add custom HTML content to any page. It looks like your site, not ours.
Who can log in? Clients, co-applicants, leads, creditors, sales agents, attorneys, and employees.
Secured with HTTPS, strong passwords, multi-factor auth, and pen-tested security.
CreditSoft comes with over 100 ready-to-use reports and interactive data grids. Need something custom? Design your own using Microsoft Word or Visual Studio, or just ask the AI in plain English. The entire interface is customizable — field positions, labels, grid layouts, default searches, and more — per user.
Reporting and custom dashboards
CreditSoft enforces the latest security protocols with granular permission controls, encrypted communications, and a complete audit trail of every change made to client data. Built on Microsoft's enterprise technology stack and trusted by agencies managing hundreds of thousands of records.
Enterprise security and compliance
Powered by Google Gemini, CreditSoft's AI features aren't gimmicks. They solve real problems your team faces every day — turning hours of work into seconds.
Ask your database anything in plain English. "Show me clients in Florida with balances over $1,000" — CreditSoft translates it to SQL and returns results instantly. No IT department needed.
Record calls, transcribe with speaker identification, then analyze rep performance or extract key details — all with Gemini's industry-leading accuracy.
Drop in a PDF, scan, or image. AI identifies the document type, matches it to the right client and account, and can execute database actions automatically.
Type "a pie chart of clients by state" and get a published dashboard visualization in seconds. Turn data into decisions without touching a spreadsheet.
CreditSoft connects out of the box with industry-standard platforms for payments, communications, credit reports, and more.
CreditSoft molds to your business. Screens, workflows, reports, and processes are configured to match how you actually work — and reconfigured as your business evolves.
Change field positions, label captions, grid layouts, security settings, and workflow rules without writing code. Every agency's setup is unique to how they operate.
From 5 clients to 50,000+, CreditSoft handles the growth. No platform migration, no performance cliff. The same system that works for a startup works for the largest agencies in the industry.
We don't just hand you software. Our team consults on optimal configurations and recommends workflows based on 30 years of industry expertise.
Standard SQL Server database. Full export capability. If you ever decide to move on, you get immediate access to download all of your data — no delays, no restrictions.
Book a personalized demo and we'll walk you through exactly how CreditSoft fits your agency's workflow.
Most agencies go live in 30–45 days. We handle the migration.