How it works
Four steps from sign-up to real offers — with a soft inquiry doing all the work and your score untouched throughout.
Create a free account
Sign up with Google or Apple in seconds. Browsing rates requires no SSN and no credit check.
Authorize a soft check
Give written FCRA consent and we read your Equifax profile with a soft inquiry. It is invisible to lenders and has zero score impact. Your consent is timestamped and stored for audit.
See matched offers
Your profile is compared against real underwriting criteria across our lending network. You see estimated APRs, monthly payments, and approval odds — not teaser rates.
Apply where you choose
Pick an offer and complete the application on the lender site. Only then does a hard inquiry occur, and only with that one lender.
Frequently asked questions
How does CreditGridPro make money?
When you take an offer through the site, the lender or card issuer pays us a marketing fee. You never pay us anything, and compensation never changes the rate or terms you are offered.
Why do you need my consent before showing offers?
Reading your credit profile — even softly — requires your written instructions under the Fair Credit Reporting Act. We record that consent with a timestamp before any request reaches Equifax.
What is the difference between a soft and hard inquiry?
A soft inquiry is a read-only check visible only to you; it never affects your score. A hard inquiry happens when you formally apply for credit and can lower your score by a few points temporarily.
Are the offers guaranteed?
No — they are prequalified estimates based on real underwriting criteria. The lender makes the final decision after a full application, which may include income verification and a hard inquiry.
Which credit bureau and score do you use?
We use your Equifax report with the VantageScore 3.0 model. Lenders may use different bureaus or models for final decisions.