Credit and Consumer Report Authorization

EzApply’s role

EzApply is operated by Oppur2nity LLC. Oppur2nity is not a lender, does not extend credit, and does not make underwriting or credit decisions. EzApply may transmit your request to participating lenders, financial-service providers, or lead aggregators that independently decide whether to evaluate your request or offer a product or service.

Your written instructions and authorization

By checking the box that references this Credit and Consumer Report Authorization and submitting your request, you provide written instructions under the Fair Credit Reporting Act and authorize the activities described below for the current EzApply request.

You authorize Oppur2nity, service providers acting on its behalf, and each participating lender or provider that receives your request from Oppur2nity to obtain, use, and evaluate consumer reports, credit information, identity-verification information, fraud-prevention information, and related data about you from one or more consumer reporting agencies, subject to the limits stated in this authorization and applicable law.

Oppur2nity prequalification inquiries

Where available, Oppur2nity or a service provider acting for Oppur2nity may obtain a limited consumer report, credit attribute, score, or related information through a soft inquiry to verify your identity, prevent fraud, assess potential eligibility, route your request, or identify products or providers for which you may prequalify.

A soft inquiry generally does not affect your credit score and is not ordinarily visible to other creditors, although it may appear in the consumer-facing version of your credit file. Oppur2nity will not use a consumer report obtained under this section for employment, insurance underwriting, or another purpose unrelated to the request you initiated.

Transmission of your request

You direct and authorize Oppur2nity to transmit the information in your request, including identifying, contact, financial, employment, banking, and request information, to participating lenders, providers, lead aggregators, verification vendors, and service providers for the purposes described here and in the Privacy Policy and Advertising Disclosure.

A recipient may use the submitted information to identify you, locate the correct consumer file, determine whether it wishes to evaluate the request, communicate with you, and provide required disclosures. A recipient’s own privacy policy and authorization may also apply.

Provider consumer-report inquiries

You authorize each participating lender or provider that receives your request to obtain one or more consumer reports and related information when reasonably necessary to evaluate or process the credit or service transaction you initiated. A provider may obtain information from Equifax, Experian, TransUnion, another nationwide or specialty consumer reporting agency, an alternative-data provider, or an identity- or fraud-verification service.

A provider may use that information to verify your identity and submitted information; evaluate creditworthiness, eligibility, ability to repay, fraud or compliance risk, and prequalification; determine whether to make an offer; establish rates, fees, amounts, or terms; and complete another lawful step directly related to your request.

Soft and hard inquiries

A provider may initially use a soft inquiry for prequalification. A provider may also use a hard inquiry when evaluating a credit application or completing underwriting. A hard inquiry may appear on your credit report, may be visible to other creditors, and may affect your credit score.

Because EzApply may transmit a request to more than one participating recipient, more than one provider may obtain a consumer report and multiple inquiries may appear. The type, timing, and effect of an inquiry are determined by the provider, the consumer reporting agency, the scoring model, and applicable law. Contact the provider directly if you need to know whether it will make a soft or hard inquiry before proceeding with it.

Limits and duration

• This authorization applies only to the current request and activities reasonably necessary to evaluate, process, verify, route, or respond to that request.
• Unless you revoke it earlier, this authorization remains effective while the request is being processed and for up to 90 days after submission.
• This authorization does not permit a consumer report to be obtained for employment, insurance underwriting, or an unrelated transaction.
• This authorization does not require any person to obtain a report and does not guarantee an offer, approval, particular terms, or funding.
• A lender that establishes an account with you may have a separate legal right or authorization to review or service that account. Its agreement and disclosures govern those later activities.

No credit decision by Oppur2nity

Oppur2nity does not approve or deny credit and does not determine provider rates, fees, amounts, or terms. If a lender or provider takes an adverse action based in whole or in part on a consumer report, that lender or provider—not Oppur2nity—is responsible for giving any notice required by the Fair Credit Reporting Act, the Equal Credit Opportunity Act, or other applicable law.

Questions, copies, and disputes

Oppur2nity does not maintain or control a consumer reporting agency’s credit file. To request a copy of a consumer report, dispute information in a report, place a security freeze, or obtain information about your consumer-report rights, contact the applicable consumer reporting agency. For questions about a provider’s inquiry or credit decision, contact that provider using the information in its notice or communication.

Revoking this authorization

You may revoke this authorization for future inquiries by mailing a signed written request to Oppur2nity LLC, Attn: Privacy Department, 30 N Gould St. Ste N, Sheridan, WY 82801. Include your name and the email address or telephone number used for the request, but do not include a Social Security number, driver license number, or full financial-account information.

Revocation becomes effective after it is received and reasonably processed. It does not invalidate an inquiry, disclosure, decision, or other action completed before the revocation became effective and may not reach an independent provider that already received your request. Contact that provider directly to revoke any separate authorization you gave it. Revocation may prevent a provider from completing its evaluation.

Electronic signature and acknowledgment

BY CHECKING THE BOX THAT REFERENCES THIS AUTHORIZATION AND SUBMITTING YOUR REQUEST, YOU ACKNOWLEDGE THAT YOU HAVE READ AND UNDERSTAND THIS CREDIT AND CONSUMER REPORT AUTHORIZATION. YOU INTEND YOUR ELECTRONIC ACTION TO SERVE AS YOUR WRITTEN INSTRUCTIONS AND ELECTRONIC SIGNATURE, AND YOU AUTHORIZE THE CONSUMER-REPORT AND INFORMATION-SHARING ACTIVITIES DESCRIBED ABOVE.

IF YOU DO NOT AGREE, DO NOT CHECK THE BOX OR SUBMIT THE REQUEST.

Contact information

Oppur2nity LLC, Attn: Privacy Department, 30 N Gould St. Ste N, Sheridan, WY 82801.