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Will it require a hard credit check to apply?

Updated over 3 weeks ago

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.

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