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If I respond to a "pre-qualified" offer for a loan, will just checking the rates affect my credit?

Will simply responding to a loan offer and asking for rates affect my credit as a soft or hard inquiry whether I actually complete the application or not?

Mary, Edgewater
February 27, 2017 06:56:25 AM

1 Response

In reply to Mary, Edgewater

Thanks for sending your question our way, Mary. We appreciate your interest with TD Bank for your lending needs. If you are checking the rates and not applying for a loan, your credit will not be affected. Here at TD Bank, we offer a variety of lending options for your needs. The first step would be determining which type of loan best suits you. We invite you to visit https://go.td.com/2a82Tsi and https://go.td.com/2lXgHPd for more information on the types of loans we have available. To apply for a loan you may apply online or contact our Financial Solutions Group Specialists 24/7 by calling 800-YES-5020 (800-937-5020). They will be more than happy to answer any additional questions you may have about loans and also help with the application process. Here are some helpful tools TD Bank offers that may help you understand your credit score and report: https://go.td.com/2dPa2R1 and also check out: https://go.td.com/2c9YoT3 on how to build good credit score. Please know that TD Bank is not authorized to lend outside of our footprint from Maine to Florida because of federal regulations. For any additional questions, please reach out to our Financial Solutions Group Specialists at 800-937-5020, available 24/7. If you'd like, you can visit us in person at any TD Bank during lobby hours as well. Click here: http://go.td.com/1f9DSJR to find a TD Bank near you. Thanks again for stopping by Mary, and please take care.

Alara B, Mount Laurel
February 27, 2017 06:58:31 AM

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