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Will applying for Padder Guarantor affect my credit score?

During the initial application process for Padder Guarantor, a soft credit check is conducted to determine program eligibility and provide a pre-qualification offer for eligible applicants. This soft check will not affect your credit score.

Impact on Credit Score:

  • Soft Credit Check: Conducted during the initial application; no impact on your credit score.
  • Hard Credit Check: If your application is approved and you agree to enroll in the program, Padder will perform a hard pull to report your enrollment to the credit bureaus, which may temporarily impact your credit score.