Data Access & Collection · Permission or license
Offer checks use soft inquiries without affecting your credit score
You authorize each participating provider to obtain and use your consumer report information from one or more reporting agencies, such as TransUnion, Equifax or Experian, solely to respond to an offer request. These soft inquiries do not affect your credit score. This authorization lasts one year with enrollment; a later application may involve a hard inquiry that can affect your score.
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Supporting quotations
I authorize each participating provider to obtain and use consumer report information about me from one or more consumer reporting agencies (such as TransUnion, Equifax or Experian). These soft inquiries will not impact my credit score and my consumer report information will be used solely in connection with responding to an offer request.
While checking for these offers does not result in a hard inquiry or affect my credit score, I understand that if I choose to apply for these offers with a participating provider, that provider may run a hard inquiry, which can impact my credit score.
I understand that my enrollment in the Check Your Rate Platform and the authorizations granted herein will remain valid for a one-year period.
Cross-references
- contrast (model-proposed): Applying for an offer may affect your credit score — The no-impact promise covers checking for offers; a later application may involve a hard inquiry that affects the score. These statements concern different stages, not conflicting promises.
- qualified by (model-proposed): Enrollment and authorizations last one year — The one-year enrollment period limits the authorization for participating providers to obtain consumer reports for offer requests.