Consumer Report Authorization

By clicking the check box and continuing with the application process, you understand and agree that you are authorizing our Financial Partners and Happy Money, Inc. dba Payoff ("Happy Money") to obtain consumer reports and related information about you from one or more consumer reporting agencies.

Pursuant to this authorization, you consent to the Financial Partners and Happy Money using your consumer reports for any lawful purpose, including: (1) authenticating your identity; (2) making credit decisions; (3) marketing products and services from Financial Partners, Happy Money, or a third party; (4) assisting with internal modeling and analysis; (5) servicing your loan; and (6) facilitating the sale of your loan or interests associated with your loan (or portions thereof) to third party investors, and for related purposes. In connection with these purposes, you authorize the Financial Partners or Happy Money to share all or parts of your consumer reports with their respective agents, partners, counterparties, or affiliates.

You also authorize our Financial Partners and Happy Money to verify information in your application, and you agree that our Financial Partners or Happy Money (or any agent) may contact third parties to verify any such information.

In addition to authorizing Financial Partners and Happy Money to obtain consumer reports when you request a loan, you are also authorizing us to obtain such reports during the processing or closing of a loan to you, or at various times during the term of your loan in connection with the servicing, monitoring, collection, or enforcement of the loan or the resale or potential resale of the loan or interests in the loan.

Checking your rate and reviewing loan offers on the Happy Money website will not affect your credit; it will result in a soft credit inquiry that is only visible to you. If you receive a loan through Happy Money, then a hard inquiry will appear on your credit report after you receive your loan from a Financial Partner.