Credit Report Authorization Agreement

Authorization is granted to Contractor Lend Link, Home Upgrade Financing, Startup Consulting LLC, VistaFi, or their designated lender to obtain a consumer credit report through a credit agency of their choosing. This report will be used solely to evaluate your financial readiness for a loan and will be retained securely for lender use only. Your information will not be shared without your written consent.

By submitting your information, you authorize the release of any financial data you’ve provided to the credit agency and permit the use of a copy of this form if needed to obtain your report.

daptable financing solutions designed specifically for your home improvement needs. Our goal is to make these projects more accessible and affordable for every homeowner, ensuring that you can achieve the home
upgrades you desire without financial stress.

By leveraging cutting-edge technology and the latest AI tools, we conduct a comprehensive scan of the market to pinpoint the most advantageous options tailored to your unique credit profile. This meticulous approach not only identifies your ideal loan but also has the potential to save you thousands in interest over the life of the loan.

By checking the box on the form, you acknowledge the following:

1. You have read and agree to the E-Sign Disclosure and Consent Act.

2. You authorize the lender or their agent to share the loan approval or denial status (including your loan ID and relevant application info) with your contractor.

3. You also allow the lender or agent to share the status of your application and loan terms with Home Upgrade Financing.

By authorizing a soft credit pull, you understand that:

• The Financing Agency’s role may vary depending on the lender and loan product you select.

• The Financing Agency may receive compensation from lenders for some services and may also charge you a consulting fee once your loan is approved.

• This fee amount will be disclosed before you access your loan funds, and payment is required before disbursement.

• If your loan is not approved, no fee will be charged. However, if you access funds without paying the fee, you are still obligated to pay, and non-payment may lead to collection efforts and affect your credit.

Your loan may be offered through a credit union. In this case:

• You must become a member of that credit union to finalize your loan.

• If approved, you’ll have the opportunity to join the credit union you select.

• Credit unions may require a small deposit (typically $5) or an association fee to open an account.

• If you cancel your loan request, there’s no obligation to remain a credit union member.