Short answer: No.
No. Kronos does not pull a credit check at signup, at advance underwriting, or at any other point. Underwriting for pay advances reads verified deposit history via Plaid; credit bureaus (Equifax, Experian, TransUnion) are never queried.
Identity verification at signup is handled by Plaid IDV — government ID + selfie + liveness check + name/DOB/SSN cross-reference. None of this triggers a credit pull.
No. We do not report to the credit bureaus.