КАС

A no-credit-check claim requires careful reading. It may refer only to a preliminary step, a particular credit bureau, or a product that uses different information. It does not mean there are no identity, income, account or eligibility checks.How the borrowing arrangement worksAsk which reports and information are used at each stage. A soft credit inquiry is still an inquiry, even though it is different from a hard inquiry. Get a clear answer about whether accepting or completing an application triggers additional checks.Costs and repaymentFocus on the underlying loan, APR, required fees and repayment. The absence of a traditional credit inquiry is not evidence of affordability or legitimacy. Do not treat guaranteed approval wording as a substitute for a written agreement from an identifiable provider.Preparing to compare offersAsk which consumer reports, identity information or bank-account data will be requested.

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