Debthunch and its Partners will pull a soft inquiry on your credit report from a credit reporting agency to confirm your identity and the accuracy of the information you provide and to pre-qualify you for an extension of credit and available loan offers. This soft inquiry will not affect your credit rating. If you pre-qualify for a loan offer and decide to apply for a loan with Debthunch or its Partners, then they may conduct a hard inquiry, which could impact your credit rating.