Data Access & Collection · Permission or license
Issuers may use soft credit checks only to identify and provide offers
You authorize each participating issuer to obtain and use your consumer report information from one or more reporting agencies, such as TransUnion, Equifax or Experian. These soft inquiries do not affect your credit score, and the report information is to be used solely to identify and provide pre-qualified offers. This assurance concerns checking for offers: if you later apply, the issuer may run a hard inquiry that can affect your score.
Details not recorded for this card
Supporting quotations
I authorize each participating issuer 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 identifying and providing me with pre-qualified offers.
While checking for pre-qualified offers does not result in a hard inquiry or affect my credit score, I understand that if I choose to apply for a pre-qualified offer with a participating issuer, that issuer may run a hard inquiry, which can impact my credit score.
Cross-references
- contrast (model-proposed): Applying for an offer may affect your credit score — The no-score-impact assurance applies to pre-qualification soft checks. Applying for a resulting offer is a separate step at which the issuer may make a hard inquiry that can affect the score.