When you apply, we conduct a soft inquiry (may show up on your credit report with no impact to your credit score) based on your name, address, and date of birth. If any of the above personal information is incorrect or misreported, we may not be able to retrieve your accurate credit information. Additionally, if you have a freeze or suppression on your credit report, we may not be able to retrieve your credit information. Prior to submission of an application please make sure all information is correct. If you have a freeze or suppression, please contact TransUnion, Experian, and/or Equifax to remove the freeze or suppression for the duration of the loan process.