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Does Mattress Firm do credit checks?

If you're in the market for a new mattress, you may be wondering about financing options. Many people choose to finance their mattress purchase to spread out the cost over time. However, this often involves a credit check. If you're considering buying a mattress from Mattress Firm, you may be wondering: does Mattress Firm do credit checks?

Yes, Mattress Firm does credit checks.

Unfortunately, the answer is yes. Mattress Firm does require a credit check for financing options. This means that they will pull your credit report to determine your creditworthiness before approving you for financing. While this may seem daunting, it's important to understand the reasons behind this policy.

Does Mattress Firm require a credit check?

The short answer is yes, but the longer answer is a bit more complicated. While Mattress Firm does require a credit check for financing, they do not require one for all purchases. If you plan on paying for your mattress upfront, you will not need to undergo a credit check. However, if you choose to finance your purchase, a credit check will be necessary.

Mattress Firm credit check policy

Now that we know that Mattress Firm does require a credit check for financing, let's take a closer look at their credit check policy. When you apply for financing, they will pull your credit report from one of the major credit bureaus (Equifax, Experian, or TransUnion). This is a standard practice for most companies that offer financing options.

How does Mattress Firm check credit?

Mattress Firm checks credit by pulling a copy of your credit report from one of the major credit bureaus. They will use this report to evaluate your creditworthiness and determine if you are a good candidate for financing. This process is quick and easy, and typically takes less than a minute.

Mattress Firm financing options

Now that we know Mattress Firm does credit checks, let's take a look at their financing options. Mattress Firm offers a variety of financing options, including 0% APR for a set period of time or low monthly payments with interest. Depending on your credit score, you may qualify for one or both of these financing options.

Mattress Firm credit approval process

So, how does the credit approval process work at Mattress Firm? Once you fill out the credit application and undergo a credit check, Mattress Firm will evaluate your credit history and credit score. They will also consider your income and other factors. If you meet their credit score and income requirements, you will likely be approved for financing.

Mattress Firm credit score requirements

While Mattress Firm does not disclose their specific credit score requirements, it's safe to assume that they will want to see a good credit score. This typically means a score of 670 or higher. However, even if you have a lower credit score, you may still be approved for financing. It's always worth applying and seeing what options are available to you.

Mattress Firm credit application

If you're ready to apply for financing at Mattress Firm, you can easily do so online or in-store. You will need to provide personal information such as your name, address, and social security number. You will also need to disclose your income and employment information. Once you submit your application, you should receive a decision within a few minutes.

Mattress Firm credit check for financing

As we've discussed, a credit check is necessary for financing at Mattress Firm. This is because financing involves borrowing money, and Mattress Firm wants to ensure that you have a good credit history and are able to repay the loan. While it may seem like an inconvenience, a credit check is a standard practice for most companies that offer financing options.