[SFC]

Do any funders actually do a soft pull? No bs here lol.

Yes. You're almost better off doing a soft pull... why do a hard pull/create a trigger lead for all your competitors!

If someone says they don't do hard pulls, but you are suspicious, investigate! Find someone who's applied before, do a soft credit pull on them, or have them look at their credit report (free on credit karma.com etc.) and boom instant proof.