No credit inquiries
- No credit checks. Connecting a bank or payroll account doesn’t trigger a hard or soft credit inquiry.
- No credit bureau involvement. Connecting a bank or payroll account doesn’t pull data from credit bureaus like Equifax, Experian, or TransUnion, and Checkr Money does not report account activity to any credit bureau.
What about Credit History?
Credit History is the one connection that does retrieve your credit report from a credit bureau - that is its purpose. It works like checking your own score in a credit monitoring service: a soft check that has no impact on your credit score. Checkr Money still never reports anything back to the bureaus.Read-only access
- Checkr Money has read-only access to your account balances, transactions, and pay statements.
- Checkr Money cannot open accounts, apply for credit, or take any financial action on your behalf.
- Connecting an account is closer to checking your balance in your bank’s own app than to applying for a new line of credit.
All connected accounts
The same applies to every account type Checkr Money supports - checking, savings, credit cards, loans, and any investment or brokerage accounts surfaced through your bank connection. Connecting them is purely for viewing.Related
- Why We Need Your Bank or Payroll Login - what the connection actually does
- Who Can See My Data? - privacy across Checkr Money, Truv, and third parties
- Is Checkr Money Safe? - the security practices behind the platform