You don't have to have a credit score to get Petal, but if you have one, it will be reviewed during your application. Petal accesses your credit report at the time of application and periodically throughout the year to help manage your account.
To review your credit report, we encourage you to visit www.annualcreditreport.com. There you can access your credit report from the three major credit reporting agencies, once per year per agency. You can also visit the following sites, or call them to learn more about your reports: