Checking your rate on Upstart will not affect your credit score. When you check your rate, we do a “soft credit pull." Soft credit inquiries on your report do not lower your credit score, although you may be able to view a record that it was done. If you are offered a loan and accept that offer, we will then run a “hard credit pull” to verify the accuracy of your application. This action will be recorded as an inquiry on your report and it may impact your score.
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