Soft Credit Check Details

Credit Check

You'll be pleased to know we've prioritized your credit score's protection. Unlike many traditional lenders, PatientFi uses a soft credit inquiry when you apply. This means you can explore your financing options without any negative impact on your credit score – a real advantage in healthcare financing.

Our evaluation is thorough and fair, considering various aspects of your credit profile specifically through the credit bureau TransUnion.

What We Review

• Credit score
• Debt-to-income ratio
• Payment history
• Credit utilization
• Length of credit history
• Recent credit activity

This helps us make informed decisions while lending responsibly.

Please note:

If you have a credit freeze in place, you'll need to temporarily lift it with TransUnion to complete the application process.