No. Signing up for Credit Coach requires a soft pull of your credit data but does not generate a hard pull. Once you begin using Credit Coach, you might get a recommendation for a rent reporting service, a credit builder loan (subject to availability), or other services based on your personal credit profile. These services do not harm your credit score. Finally, Credit Coach may refer you to a UFCU online application if you are ready to apply for a loan. Should you choose to proceed with an application, this will result in a hard credit pull and, likely, a temporary lowering of your credit score.