FAQ · Credit & security
What happens to my application after I apply?
Last updated 2026-04-16
Memorandum · From the underwriting desk
What happens to my application after I apply?
It stays with us. One team reviews it and one point of contact walks you through your options. We don't sell your information or shop your file out to third parties, so you won't get buried in follow-up calls from companies you never contacted.
ICG UnderwritingRef · ICG-ICG-VS
Practical context
How to evaluate credit impact and data handling
Applicants should separate two questions: whether a request affects credit, and where the application data goes. Those are different risks, and they should be disclosed separately and clearly.
- Soft pull versus hard pull timing
- Encryption, storage, and access controls
- Whether the application is sold or distributed to third parties
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