Yes, we carry out credit checks, which may affect your credit score. We want to make sure that we help our customers make the right financial decisions. With this in mind, when we receive your request to use a Zinia product, we carry out the corresponding credit checks according to our credit risk criteria. Furthermore, to approve your purchase, we study your creditworthiness by processing your personal data and collecting information from external sources, as described in the Zinia Privacy Policy.