Upstart looks at more than your credit score

Checking your rate won’t affect your credit score:

Regulators, Policymakers on AI & Fintech

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January 20, 2023
what they're saying regulators policymakers artificial intelligence fintech


* When you check your rate, we check your credit report. This initial (soft) inquiry will not affect your credit score. If you accept your rate and proceed with your application, we do another (hard) credit inquiry that will impact your credit score. If you take out a loan, repayment information will be reported to the credit bureaus.

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