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Wayne, this is what Buds advertises. Their Customer Service may be able to explain the details to your satisfaction at 1-859-368-0371 9am-9pm EST Mon-Fri. or use the Blue Chat now button at the bottom right corner 9am to 9pm Mon-Sat and 11am - 7pm Sun (7 days a week).

That's something you would have to take up with a professional in that company. 1-859-368-0371

Wayne, It will only affect credit if you do not pay. The inquiry is not a hard credit hit like buying/financing or getting credit on a car or house. So it is a soft hit that will not affect your credit for the inquiry. If you do not have a decent credit score Credova will not approve you.

Mr. Wayne, There are hard inquiries and soft inquiries. A hard is when you buy something big and approved credit, such as a house, car, and big things. Soft will just be a check to make sure you have some kind if credit. That's what Credova is looking for. Still, I would contact them directly to the numbers provided by other Mr.