When you apply for Varo Flexible Credit, we pull a credit report to understand your credit history. This leaves a hard inquiry that will remain on your credit report for up to two years. If you are declined, we do NOT report the decline to any credit bureau. The specific reasons why your loan application was not approved will be emailed to you. If we’re unable to offer you access to a line of credit at this time, you must wait 90 days before you can apply again.