Credit Authorization

Last Updated: March 1, 2025

By submitting a loan request through SecureLoan, you authorize us and the lenders in our network to access certain credit-related information as described below. Please read this carefully before proceeding.

Soft Credit Inquiry (Pre-Qualification)

To match you with potential lenders, we and/or participating lenders may perform a soft credit inquiry. A soft pull:

• Does not affect your credit score.
• Is not visible to other lenders on your credit report.
• May be used to determine initial eligibility for loan offers.

Hard Credit Inquiry (Loan Application)

If you choose to formally apply with a specific lender, that lender may perform a hard credit inquiry. A hard pull:

• May affect your credit score by a few points temporarily.
• Will appear on your credit report and may be visible to other lenders.
• Will only occur after you have reviewed and chosen to proceed with a lender's offer.
• You will be notified by the lender prior to any hard inquiry being made.

Your FCRA Rights

Under the Fair Credit Reporting Act (FCRA), you have the right to:

• Know what is in your credit file.
• Dispute inaccurate information with the credit bureaus.
• Obtain a free credit report once every 12 months from each of the three major bureaus at annualcreditreport.com or by calling 1-877-322-8228.
• Seek damages from violators of the FCRA.

Data Sharing

The information you provide in your loan request form may be shared with multiple lenders simultaneously. Each lender will handle your data according to their own privacy policy. We recommend reviewing the privacy policy of any lender before accepting their offer.

Contact

SecureLoan
123 Financial District Ave, Suite 400, New York, NY 10005
Email: [email protected]