Having a True account will not directly lower your credit scores.

We request your credit report information on your behalf from Equifax. This is known as a soft inquiry, which won’t impact your scores.

On the other hand, applying for a loan or credit card through True or elsewhere will create a hard inquiries and influence your credit scores. These are typically placed on your credit reports when you apply for a new line of credit, regardless if your application was approved or not.

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