Complete Our Short Application
Are you interested in checking if you qualify for a loan without it affecting your credit score? Our short application features a soft credit pull, which means that it won’t impact your credit. To get started, click the link below.
Once you click the link, you’ll be asked to create an account. This account is necessary for us to securely collect the information we need to determine your eligibility. After you’ve created your account, you’ll be prompted to fill out a shortened application. This application should only take a few minutes to complete and will ask for some basic information about yourself, such as your income and employment history.
Please note that while this soft credit pull won’t impact your credit score, it may show up on your credit report. This is normal and is simply a record that you checked your credit. If you have any questions or concerns about the soft credit pull or the application process, please don’t hesitate to contact us. We’re here to help!
FAQs
Frequently Asked Questions
about Soft Credit Pulls
What is a soft credit pull?
A soft credit pull, also known as a soft inquiry or soft credit check, is a type of credit inquiry that does not affect your credit score. This type of credit check typically occurs when a person or company wants to check your credit report for informational purposes only, such as when you check your own credit report, or when a lender pre-approves you for a loan or credit card offer.
How is a soft credit pull different from a hard credit pull?
Soft credit pulls are different from hard credit pulls, which can affect your credit score. Hard credit pulls occur when you apply for credit, such as a loan or credit card, and the lender or creditor checks your credit report as part of the application process. Multiple hard credit inquiries in a short period of time can lower your credit score, so it’s important to be aware of when a hard credit pull is being made.
Who can make a soft credit pull?
There are several types of entities that can make a soft credit pull, including:
- You: You can check your own credit report as often as you’d like without it affecting your credit score.
- Creditors: Creditors may make a soft credit pull to pre-approve you for a loan or credit card offer.
- Employers: Employers may make a soft credit pull as part of a background check when you apply for a job.
- Landlords: Landlords may make a soft credit pull as part of a tenant screening process when you apply to rent a property.
How can I find out if a credit inquiry is a soft or hard credit pull?
You can ask the entity making the inquiry whether it will be a soft or hard credit pull. It’s important to be aware of when a hard credit pull is being made, as multiple hard credit inquiries in a short period of time can lower your credit score.
Will a soft credit pull show up on my credit report?
Yes, soft credit pulls will show up on your credit report, but they will not affect your credit score. Only hard credit pulls can affect your credit score.
How often can I make a soft credit pull?
You can check your own credit report as often as you’d like without it affecting your credit score. However, creditors and other entities may have their own policies about how often they can make a soft credit pull.
Can I dispute a soft credit pull on my credit report?
No, you cannot dispute a soft credit pull on your credit report. Soft credit pulls do not affect your credit score and are not considered negative information.