Credit Authorization Agreement

Authorization to Obtain a Credit Report and Credit Score. 

You understand and agree that by submitting your loan request, you are providing written instruction under the Fair Credit Reporting Act authorizing us and/or the lenders, and other financial services with whom your request is shared to obtain your consumer credit report, credit score, and/or other information from any consumer reporting agency in order to provide you with quotes and verify your identity. These financial partners may obtain your credit report, credit score, and other information to make a final decision before extending a loan to you. Additionally, you understand and agree that providers may use third party services to obtain information relating to you and to verify any information that you provide including, without limitation your social security number, address, phone number, bank account information and employment history.

By submitting your loan request you are providing written consent under the Fair Credit Reporting Act to Debt Responders, LLC and its Marketplace participants and agree that (a) you are submitting an inquiry to us about loan products offered by Marketplace Participants, (b) we will share some or all of your loan request information with Marketplace Participants, consistent with the terms of our Privacy Policy, and (c) your consent allows Marketplace Participants to review, verify, and research your information in real-time or otherwise for pre-qualification purposes and to determine whether you may qualify to receive a loan from them, including by verifying your social security number, reviewing your information against nation databases of consumer financial transaction information, performing a credit check with TransUnion, Experian, and Equifax, and/or taking any other steps necessary to make a decision on whether to extend credit or advance cash.

You acknowledge that requesting your credit report and/or credit score may impact your credit score. Debt Responders, LLC and Service Providers will not be responsible for any adverse effects on your credit score that may result from pulling your credit report and/or credit score.

You understand and agree that Debt Responders, LLC and Service Providers may use your credit report and/or credit score for the following purposes:

1. To verify your identity and prevent fraud;
2. To assess your creditworthiness and determine your eligibility for loans, debt relief services, or other financial products;
3. To obtain your credit score and evaluate your credit profile; and
4. For any other lawful purpose related to your request for loans, debt relief services, or other financial products.

You understand that Debt Responders, LLC is not a lender or debt relief provider and does not make credit decisions. Service Providers may keep your credit report and/or credit score and use it for their own purposes, whether or not you choose to pursue loans, debt relief services, or other financial products with them.

By clicking “Submit”, “Request Loan”, “Continue”, “Next”, “See if You Qualify”, “Apply” and other submission buttons you certify that you have read and understand this Credit Authorization and that you agree to allow Debt Responders, LLC and Service Providers to obtain your credit report and/or credit score as described above.