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Credit Authorization Agreement

Effective: September 24, 2025
Company: Debt Responders, LLC (“we,” “us,” “our”)

1. Who We Are

Debt Responders, LLC is a lead‑generation and marketing company. We are not a lender, broker, or debt‑relief provider, and we do not provide financial, legal, or tax advice. We match inquiries to trusted partners who may offer debt‑relief, consolidation, or related financial options.

2. Purpose of This Authorization

This page explains how and why we may obtain and use consumer credit information in connection with your inquiry, and how we protect your rights under the Fair Credit Reporting Act (FCRA).


Our use of credit information is limited to identity/fraud verification and to evaluate information relevant to matching and referral to our trusted partners. We do not pre‑qualify you, make underwriting or enrollment decisions, or present firm offers.

3. Your Written Instructions Under the FCRA

By submitting a form on our sites or clicking a button labeled “I’m ready to get my options,” “Continue,” or similar, you provide the following written instructions under FCRA § 604(a)(2):

3A. Authorization for Debt Responders, LLC and Array US, Inc.

You authorize Debt Responders, LLC and Array US, Inc. to obtain limited information from your consumer file at one or more consumer reporting agencies solely to verify identity, prevent fraud, and evaluate information relevant to matching and referral.

3B. Separate Authorization for Specific Partner(s)

If we refer your inquiry, you also authorize the specific partner(s) to whom we make the introduction (identified on the confirmation step or in our follow‑up and shown on our Trusted Partners page) to obtain their own consumer report and related information to evaluate eligibility for their program(s). Partners use their own access and processes and are responsible for their own disclosures and consents.

4. Parties Covered

  • Debt Responders, LLC: lead‑generation and marketing; not a lender, broker, or debt‑relief provider.
  • Array US, Inc.: our service provider acting as our agent to facilitate the request described in 3A.
  • Trusted partners: providers listed on our Trusted Partners page (subject to change). Partners obtain their own reports under 3B and apply their own policies.

5. Information We May Obtain and Use

We may obtain limited consumer‑report information (for example, identity‑match signals and high‑level eligibility attributes such as ranges of revolving balances) and basic identity data you provide. We do not obtain or store full consumer reports or credit scores.

6. How We Use the Information

We use credit information only to:

  • verify identity and prevent fraud;
  • evaluate information relevant to matching and referral to our trusted partners; and
  • support compliance, security, and audit requirements.

We do not use credit information to pre‑qualify you, make underwriting or enrollment decisions, or present firm offers. Decisions and terms are determined solely by the partner(s).

7. No Resale or Redisclosure of Consumer Reports

We do not sell, share, or redisclose your consumer report, credit scores, or consumer‑report‑derived attributes to partners. We may share non‑CRA information you provide directly (e.g., contact information and self‑reported details) in order to make introductions. Partners independently obtain any consumer report they require under 3B.

8. Duration & Revocation

This Authorization remains in effect until the earlier of (a) 18 months from your most recent form submission or (b) your written revocation. You may revoke at any time by emailing info@debtresponders.com with the subject line “Revoke Credit Authorization.” Revocation does not affect information already obtained or actions already taken in reliance on this Authorization.

9. No Obligation & No Guarantee

This Authorization does not obligate you to purchase any product or service, and it does not guarantee that any partner will extend credit, offer a program, or save you money. Any offer, terms, enrollment, or outcome is solely between you and the partner.

10. Your Rights Under the FCRA

You have the right to know which consumer reporting agency supplied your report, to dispute inaccurate or incomplete information with that agency, and to receive a free copy of your report from each nationwide agency once every 12 months at AnnualCreditReport.com or by calling 1‑877‑322‑8228.

11. State-Specific Disclosures

Some states require additional notices. If you live in California, please review our California Privacy Notice. We may provide other state‑specific disclosures as required by law.

12. Data Handling & Security

We apply administrative, technical, and physical safeguards designed to protect consumer information and limit collection/retention to what is reasonably necessary for the purposes in this Authorization and in our Privacy Policy. We do not store full consumer reports or credit scores; we retain limited information necessary for matching, referral, compliance, and audit.

13. Contact Us

Debt Responders, LLC
4030 WAKE FOREST ROAD SUITE 349
RALEIGH, NC 27609
info@debtresponders.com

14. Final Certification & Consent

By clicking “I’m ready to get my options,” “Continue,” “Submit,” or similar, you confirm that you have read and understand this Credit Authorization and provide the written instructions described in 3A and 3B. You acknowledge that we use credit information only for identity/fraud checks and to evaluate information relevant to matching and referral, and that any partner you proceed with obtains and uses its own report under its own policies.