Do you pull my credit when I apply?

There are two types of credit pulls— a soft credit pull and hard credit pull.

Soft credit pull: This does not impact your credit scores because it isn’t attached to a specific application for credit.

Hard credit pull: These will stay on your credit report for two years, but their impact on your credit scores is typically minimal and will only last a few months. In general, hard inquiries only play a minor role in your score, and fear of a hard inquiry shouldn't keep you from applying for credit when you need to open a new account.

During the application process, there is one soft pull to determine pre-approval. We only perform one hard pull when we finalize your Flexline™. The hard pull happens only once, no matter how many vehicles you add to your open and active line. After activating your Line of Credit, we may perform a soft credit pull every 45 days to monitor your credit.