Do the third-party data pulls have any side effects (credit score, negative MIB record of multiple applications for insurance)?

Bestow follows the Fair Credit Reporting Act and requests a soft credit inquiry, which will not impact your credit score.

Check out the link below for more information:

https://www.experian.com/blogs/ask-experian/credit-education/report-basics/hard-vs-soft-inquiries-on-your-credit-report/