A payment plan from Payva is different to a one-time purchase. To approve you for a payment plan, we need to confirm your identity and check basic eligibility requirements.
This requires performing what’s known as a soft credit pull.
A soft credit pull:
- does not impact your credit score
- is only visible to you, not to other lenders
- helps us confirm your identity, prevent fraud, and ensure you meet the program’s requirements
Why we ask for each item:
- Date of Birth – confirms you meet the legal age requirements and ensures the correct credit file is accessed
- Social Security Number – used solely to verify identity and retrieve the correct credit profile. This helps avoid errors from common names and protects against identity theft
U.S. Citizenship – some payment plans are available only to U.S. persons due to regulatory and underwriting requirements
We understand that for a one-time card payment, this information wouldn’t normally be required, but because a payment plan involves a different approval process, this verification is essential for compliance, fraud prevention, and making sure the program is a good fit for you.
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