Using Perch's tools, calculators, or viewing your property value estimates will not impact your credit score in any way. We will only complete a credit check with your consent.

If you choose to submit a mortgage application with us, a hard credit check (or hard pull) may be required as part of the process. For pre-approvals, Perch now uses soft credit checks powered by Equifax, which will not impact your credit score. In cases where a soft check cannot be performed, a hard check may be required.
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Keep in mind, credit checks are only a small part of your overall credit score. Additionally, when shopping around for a mortgage, credit checks done within a 14- to 45-day period are grouped together and counted as a single inquiry by Equifax. This allows you to explore your options without significant impact on your credit file.