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We're the Consumer Financial Protection Bureau (CFPB), a U.S. government agency that makes sure banks, lenders, and other financial companies treat you fairly.

Learn how the CFPB can help you

Will my credit score be damaged by card issuers getting my name from a credit reporting agency and sending me an offer?


No. Your credit score is not affected by card issuers obtaining your name in this way. 

If you apply for a credit card, the card issuer will generally obtain your credit report or your credit score and the credit reporting agency file will then reflect that you applied for a credit card. Your credit score can be affected by the number of cards or other loans for which you apply.

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