Does Big Lots Run Your Credit For Furniture

Does Big Lots Run Your Credit for Furniture?

Big Lots is a popular discount retailer that offers a wide range of products, including furniture. If you're considering buying furniture from Big Lots, you may be wondering if they run your credit. The answer is: it depends.

Big Lots does not automatically run your credit when you make a purchase. However, they may run your credit if you are applying for a Big Lots credit card or if you are making a large purchase on a Big Lots credit card. If you are applying for a Big Lots credit card, they will likely run your credit to determine your creditworthiness. If you are making a large purchase on a Big Lots credit card, they may run your credit to ensure that you can afford the purchase.

If Big Lots does run your credit, they will typically use a soft credit inquiry. A soft credit inquiry does not affect your credit score. However, if you are applying for a new credit card or loan, multiple soft credit inquiries in a short period of time can lower your credit score.

If you are concerned about Big Lots running your credit, you can always contact them directly and ask if they will run your credit before you make a purchase. You can also choose to pay for your purchase with a debit card or cash to avoid any credit inquiries.

Here are some additional things to keep in mind when it comes to Big Lots and credit:

Big Lots offers a variety of financing options, including store credit cards and third-party financing. If you choose to finance your purchase, your credit will likely be checked.
Big Lots may offer promotional financing options, such as 0% interest for a certain period of time. If you take advantage of a promotional financing option, be sure to read the terms and conditions carefully so that you understand the interest rate that will apply after the promotional period ends.
Big Lots may report your payment history to credit bureaus. If you make your payments on time, this can help improve your credit score.

By understanding how Big Lots uses credit, you can make informed decisions about how to finance your furniture purchases.