No. We do not use individual's credit reports. Applying for Ramp will never affect your personal credit score. As part of the underwriting process, Ramp pulls commercial credit bureau information for the business itself, not the owners. Business owners are not required to post a security deposit or submit to a personal credit check to be approved for a Ramp charge card. In addition to commercial credit data, Ramp considers bank balances and revenue as a basis for approving businesses.