Credit Bureau Reporting

Will there be a hard inquiry to my credit if I apply?#

Yes and no; the initial credit inquiry during application is only a soft inquiry and will not affect your credit score.

If your loan is funded, a hard inquiry is performed on your credit report, which may affect your credit score and can be seen by third parties.

When do you report to the credit bureau?#

Each OnePay loan account is reported monthly to the credit bureaus.

What account should I look for on my credit report?#

Your loan should show up as “OnePay/CRB/Upgrade” (or something similar) on your credit report.

Why does my credit report not show as paid for the most recent month?#

It may take a few weeks for credit bureaus to update your credit reports. They are not a real-time picture of what your credit looks like now.