Overstock\Klarna

Anonymous · ‎05-21-2018

Hello! Does anyone know if Klarna/Webbank does a soft pull or a hard pull? I'm looking at Overstock.com I cannot get the SCT to work but I noticed an option for Klarna. When I click on the radio button a window pops up stating to complete my application I need to enter my DOB, last 4 of SSN, and phone number. Does this mean it's a soft pull? It gives me a monthly payment and term but I am not sure if this is just a general.

I've searched for other threads on this but didn't see a definitave answer.

J-F168 · ‎05-22-2018

For me Klarna was HP

EX 716 - EQ 707 - TU 724
BK 7 D/C Dec '16.

Anonymous · ‎07-09-2018

Its a hard pull although it only ask for the last 4 digits of ssn. Today I selected Klarna and was approved for $1450 and it pulled from Experian.

FinStar · ‎07-09-2018

Other sources also confirm HP as well.

pamon · ‎07-18-2018

Mine was a HP from Experian. Approved for $700 via Overstock. Spread item over 6 months so not bad overall.

Fico 8 Exp 598 Transunion 598 Equifax 596 (7/18/18)
FICO 8 Exp 609 TransUnion 622 Equifax 617 (8/10/18)
FICO 8 Exp 643 Equifax 641 Transunion 655 (9-10-18)
FICO 8 exp 630 Transunion 646 Equifax 627
Fico 8 Exp 646 Transunion 639 Equifax 640 (11/1/18)
Fico 8 Exp 698 Transunion 716 Equifax 690 (1/8/19)