Checking your rate with Upstart Mortgage will not affect your credit score. When you check your rate, we make a “soft credit inquiry." Soft credit inquiries on your report do not lower your credit score, but you may see an inquiry when you view your report. 

 If you are offered a HELOC and proceed with the application, we will then make a “hard credit inquiry” to verify the accuracy of your application. This action will be recorded as an inquiry on your report, and it may impact your credit score.