FAQ - ANSWER

Will a 401k loan appear on my credit report?

Answer:

No. Loans from your 401k are not reported to the credit-reporting agencies, but if you are applying for a mortgage, lenders will ask you if you have such loans and they will count the loan as debt.

If you default on a 401k loan, the default will not be reported to the credit-reporting agencies and it will not negatively impact your credit rating.