Will Atlas run a hard credit check?
No—Atlas does not run a hard credit check when you apply.
What to know
No hard credit check – Applying won’t show up on your credit report.
No credit history needed – You can get started even if you’re building credit for the first time.
All you need: Complete identity verification and link your primary bank account.
Atlas is designed to make credit more accessible for everyone—no score required.
FAQs
Q: Will applying affect my credit score?
A: No—Atlas does not run a hard credit check.
Q: Do I need a good credit score to qualify?
A: Not at all. Atlas doesn’t look at your credit score when you apply.
Q: Can I still build credit with Atlas if I’m starting from zero?
A: Yes—Atlas reports to all three major credit bureaus to help you build credit over time.