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The online application states that this company performs a "soft" credit which does not affect your credit score. This statement is a lie.

I pulled my credit report which shows a hard inqiury on equifax.

Then I called a local branch 39208 to see why a hard inquiry was pulled, and they tried to assure me that a soft and hard credit is the same.

"A key difference is a soft inquiry does not negatively affect your credit score; a hard inquiry will shave off points."

Please lie to someone else which I am sure you will do.

Reason of review: Poor customer service.

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Zerick Jhq

The online application process uses a "soft" credit inquiry to determine whether a loan offer is available, which does not impact your credit score. If you continue with the application process and accept a loan offer, we will pull your credit report and credit score again using a "hard" credit inquiry.

This "hard" credit inquiry may impact your credit score.

Applying at your local branch will result in a โ€œhardโ€ credit inquiry that may impact your credit score. In the event you would like to discuss your concerns in more detail, please contact our Customer Relations Department directly at 844-338-2080.

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