I didn’t expect it to pull my credit without asking first.
I used it a couple months ago to see what I qualified for, then I opened it again recently, and it immediately pulled my credit without asking for my permission. Do you not realize it dings your credit score when you pull it?
Response from developer
Dear Mr. McChicken, Thank you for your inquiry. Not to worry, this special feature credit inquiry does not trigger any adverse action on your credit reports, or scores. We employ what is known as a ‘Soft Inquiry’. Your concerns are related to what is known as a ‘Hard Inquiry’ – which occurs when a financial institution, such as a lender or credit card issuer, checks your credit when making a lending decision. As a ‘with consent member’ of our platform, we supply you with a free credit report – and this is why our system completes the Soft Inquiry. We hope you enjoy this service, and wish you well on your financial journey.
