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  • Official comment
    Stilt Team (Edited )

    Your credit history acts as sort of a report card for your credit activities.

    A few years ago, when you applied for a loan, the lender did a hard pull to let everyone else know that you are looking for credit and if you do too much of it, you look a lot riskier. Because you are constantly looking for credit, your financial position may not be great or deteriorating.

    If you get a loan, then they definitely want to let others know that you have taken on a credit obligation. This alerts other lenders to your current obligation which also reduces your current lender's risk.

    The goal of reporting data is to have a collective view on your credit activities and make decisions that can allow lenders to get their money back with a higher probability.

    Stilt does a soft pull to give you rates and only does a hard pull after you've accepted the loan and we have disbursed you the loan.

    If you want to learn more about how hard pulls work, feel free to reach out to us at

    About Stilt:

    Stilt provides loans to international students and working professionals in the U.S. (F-1, OPT, H-1B, O-1, L-1, TN visa holders) at rates lower than any other lender. Stilt is committed to helping immigrants build a better financial future.

    We take a holistic underwriting approach to determine your interest rates and make sure you get the lowest rate possible.

    Learn more about us on Wikipedia or visit us at If you have any questions, send us an email at

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