When you formally apply for a loan with Regional Finance, the company typically pulls your credit report and scoring data from major nationwide credit reporting agencies, which include Equifax, Experian, and TransUnion. During the initial stages of checking for personalized offers, the lender conducts a soft credit inquiry that does not negatively impact your overall credit score. However, if you choose to move forward and submit a complete, finalized loan application, they will execute a hard credit pull with one or more of these credit bureaus, which temporarily affects your credit history as part of the standard underwriting and risk evaluation process.