Authorization Agreement for
Pre-Qualification Credit Inquiry.

Authorization Agreement for Credit Inquiry

This Authorization Agreement (“Agreement”) is made and entered into by and between the undersigned consumer (“You” or “Consumer”) and Browse Lenders™ (“Browse Lenders™,” “We,” or “Our”).

Purpose of Authorization:

By signing this Agreement, You authorize Browse Lenders™ to obtain Your credit report from one or more of the following credit reporting agencies: Equifax, Experian, and TransUnion. The purpose of this inquiry is to assess Your creditworthiness for the specific purpose of pre-qualifying You for a loan. Browse Lenders™ will use the information obtained solely to determine Your eligibility for loan pre-qualification and to connect You with potential lenders who may offer loan products suitable to Your financial profile.

Authorization to Pull Credit:

You hereby authorize Browse Lenders™ to:

1. Obtain Your credit report from one or more of the following credit reporting agencies: Equifax, Experian, and TransUnion.
2. Use the information contained in Your credit report to assess Your eligibility for loan pre-qualification.
3. Share Your credit-worthiness with potential lenders with whom Browse Lenders™ has a relationship, for the purpose of determining Your eligibility for loan financing.

No Responsibility for Credit Decisions:

You acknowledge and agree that:

• Browse Lenders™ is not a credit reporting agency and does not make final credit decisions. We provide pre-qualification assessments and connect You with lenders who will independently assess Your creditworthiness.
• Browse Lenders™ is not responsible or liable for any credit decisions made by lenders, including but not limited to approval or denial of any loan application or the terms of any loan offered by a lender.
• Any decisions regarding Your final loan approval, interest rates, and other terms are made solely by the lenders, based on their own criteria and Your credit profile.

Limitation of Liability:

You agree to hold Browse Lenders™ harmless from any and all claims, damages, liabilities, and losses arising from:

• The outcome of any credit inquiry conducted by Browse Lenders™ on Your behalf.
• Any lender’s decision to approve or deny Your loan application, or the terms and conditions of any loan offered to You.
• Any inaccuracies, errors, or omissions in the credit report obtained by Browse Lenders™ from any credit reporting agency.

Consent and Acknowledgment:

By signing below, You acknowledge that You have read, understood, and agree to the terms of this Authorization Agreement. You further consent to the release of Your credit report to Browse Lenders™ for the purpose outlined above and understand that this inquiry may appear as a soft or hard inquiry on Your credit report, depending on the practices of the credit reporting agencies. Our process targets the consumer’s soft credit pulls, which typically do not affect Your credit score.

Consumer Information: