SafeLend Canada does not pull your credit report. Their partnered lender will pull a report to verify the information given to them. All credit reporting agencies have different credit score formulas. There is always a minor credit score adjustment when your credit file report is pulled. SafeLend does not operate like when people purchase a used vehicle and the dealer shotguns the application off to multiple lenders which will hurt your credit score due to multiple reports. If there is more than one lender working on the application, they are sure to let you know.