At Funding University we believe that you are more than your credit score. Most undergraduate students have not had a chance to establish a credit history. Our loan decisions are based primarily on your academic achievements, work experience, and career path. Yet we do utilize a "soft pull" credit check for students seeking to get pre-approved for a loan. If you have documented credit issues (missed payments, collection items, charge offs, etc.), these will negatively impact your chances to be pre-approved for a loan.