Credit Authorization

By submitting your request, you provide written instructions under the Fair Credit Reporting Act (FCRA) authorizing the parties listed below to obtain your consumer report directly from one or more Consumer Reporting Agencies, including Equifax, TransUnion, and Experian (each, a “CRA”), for the limited purposes described below.

Authorization for us
You authorize thepandaloans.com to obtain your consumer report directly from a CRA for the purpose of: (i) verifying your identity; (ii) performing prequalification to evaluate your eligibility for personal finance related offers and to route your request to relevant providers; (iii) fraud prevention and compliance; and (iv) providing any notices or disclosures required by law in connection with your request.

For clarity, we are not a lender or other personal finance service provider, and this prequalification is performed solely to facilitate evaluating and routing your request to participating providers.

Authorization for specific third parties
You also authorize our Lending Partners, and their designated intermediaries (such as lender networks/aggregators and their service providers) and personal-finance related providers (including JG Wentworth, National Debt Relief, Debt.help, Accredited Debt Relief, RoundSky, AmOne, CuraDebt, DebtMD, Pacific Debt Relief, and ClearOne) (together referred to as “Marketing Partners”) to obtain your consumer report directly from a CRA, solely to perform prequalification and/or eligibility screening for their programs.

Soft inquiry / credit score
These checks are soft inquiries and do not affect your credit score, though they may appear on your credit file.

If you choose to continue and submit an application or enroll in a program with a lender or provider, that lender/provider may obtain an additional consumer report and/or perform a hard inquiry, which may affect your credit score, as permitted by law and/or based on any additional authorizations or disclosures presented to you by that lender/provider at that time.

No sharing / no furnishing by us
We do not provide, disclose, furnish, sell, or transfer your consumer report (or any information taken directly from your consumer report) to any third party. Each authorized provider obtains its own consumer report directly from a CRA under this authorization and/or its own permissible purpose. We may use service providers (e.g., secure hosting and IT vendors) acting on our instructions solely to support our internal operations; such service providers are not permitted to use your consumer report for their own purposes.

Additional acknowledgements:

Your consumer report may be accessed more than once in connection with your request. This authorization will remain in effect for future, similar credit-related requests you initiate through our website or services, unless and until you withdraw it. This means that if you revisit our website to seek another loan or credit offer, we and our authorized partners may rely on this same written instruction to obtain your consumer report again for the limited purposes described above.
We are not a lender and do not make credit decisions or determine final eligibility. Those decisions are made solely by the applicable lender.
You may withdraw these written instructions at any time for future access by contacting us at contact@thepandaloans.com. Your withdrawal will not affect: (a) any access that has already occurred, or (b) any eligible party’s ability to obtain your report under its own permissible purpose/authorization.
A non-exhaustive, regularly updated list of our Lending Partners, certain designated intermediaries and personal-finance related service providers appears on our Marketing Partners list. This list is provided for identification only and does not expand the scope of your Credit Authorization, which applies solely to the categories and providers identified in this Credit Authorization.