About the free credit service screenshot
Two primary reasons we ask for this:
1. Covid-19 & Safety
Asking for the CreditKarma (or similar free service) screenshot minimizes person-to-person interactions to those highly likely to be approved.
2. Denied applications
Our approval requirements are a 620 or higher FICO score.
Before asking for the screenshot, lots of folks
spent the $29 on the application fee only to be denied. We didn't feel good about that.
The homepage screen we ask for shows NO PERSONAL INFORMATION, except for the credit score(s).
So, it's no different than telling a landlord your score on a phone screen. We just do it online.
How the screenshot is used: