KnowBeforeYouApply.com is a personal finance search tool for consumers seeking credit card, mortgage, and other loan products. The transparent, open marketplace allows consumers to see what personal finance products they are most likely to qualify for - before they even apply. Through partnerships with credit bureaus, KnowBeforeYouApply.com conducts a 'personal pull' on a consumer's credit profile, which unlike above-the-line inquiries, does not affect their credit score in any way. The information is then run through a process to determine which available offers from banks and credit card companies are best suited for the consumer, based on their unique credit profile. Offers are presented alongside a 'credit grade' which is a representation of the consumer’s credit report and score on an A-F scale, like those used by academic institutions. The user-friendly interface and easy sorting functions let each consumer filter through his/her credit options and choose the 'perfect match' - which ultimately saves both time and money.