It is not true that this company does not do a credit check which they advertise and tell customers. They still do a soft credit pull and will tell a customer this if they are asked.
No one does a soft credit pull just to check identity, that can be done with drivers license, house bills, ect. They are still looking at your credit to see how well one pays their bills. So it is really not accurate that customers are told they dont do a credit check.
When a soft credit pull is done, the retailer, loan company , ect immediately gets to see the applicant's credit.SO they are still trying to see how well a persons bills are paid off. Also they tell you there is no interest but that is baloney, a person ends up paying twice the price of the item if it is paid off in a 12 month plan.
Reason of review: Problems with payment.