CREDIT SCORE IMPACT 90dayloans.com does not make credit decisions, nor does 90dayloans.com conduct a credit inquiry on consumers. Some lenders or service providers within the 90dayloans.com network may (depending on the loan program you are wanting to obtain) perform a credit check with some, all, or none of the three major credit reporting bureaus: Experian, Equifax, and Trans Union. In these instances, your credit score may be impacted by the credit inquiry. Alternatively, credit checks or consumer reports through other providers such as Teletrack or DP Bureau, which will not impact your credit score with: Experian, Equifax, or Trans Union, may be obtained by some service providers or lenders in certain circumstances. Ultimately, your credit score may or may not be affected by the actions of a particular lender. If you do not repay your loan on time, your lender may report this delinquency to one or more credit bureaus, which could have a negative impact on your credit score. Consumers with credit problems may wish to consult a credit counseling company.