For Credit Building and Secured Credit Building, we conduct a soft check on your credit file, which has no impact on your credit score.

Keep in mind, when you initially sign up to one of these features, a new tradeline (line of credit) is opened under your name. Opening a tradeline means you’re seeking to grow your credit, so you may see your score slightly decrease when a new tradeline is reported. A tradeline is important because it helps build a credit history.