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before we open up your account weamp;#39;re just gonna need your social security number social security number what for oh itamp;#39;s just procedure we need to run a credit check on all our new customers wait wait i donamp;#39;t want this affecting my credit score oh yeah no need to worry this will only be a soft pull soft pull yeah you see when people check your credit itamp;#39;ll either be a hard pull or a soft pull on your record a hard pull will affect your credit score so this will be applying for a car loan home or a credit card whereas a soft pull wonamp;#39;t affect your score at all so this will be like opening up a phone or internet line oh okay that makes sense by the way if you want to become smart with your money you gotta follow forest