I recently submitted an application for an auto refinance to see what rates they might offer. After seeing plastered all over their website that, "this will not affect your credit" and "we only do soft credit pulls" I thought it was relatively safe. After submission, I couldn't get an offer online and had to call them when it was convenient for them (it was much harder than it should have been to get a hold of them). I received a less than stellar offer considering I have really high credit. Then, while talking to the guy, I noticed he knew way more about my credit than he should have. After the conversation ended, I went back and checked my credit, and sure enough, they'd done a hard pull. I'm all around really disappointed with this company and regret listening to the personal finance blogs that recommended them.