Credit Pulls

There are two type of credit pulls: soft credit pull and hard credit pull.

Soft credit pull: do not impact your credit scores because they aren't attached to a specific application for credit.

Hard credit pull: 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 line of credit. The hard pull happens no matter how many vehicles you attempt to add to your open and active line. After activating your Line of Credit, we perform a soft credit pull every 45 days to monitor your credit.