BestLoans.

Credit Authorization Agreement

By using inbestloans.com or onlineloans.org ("we," "us," or "our") and submitting a loan application or request, you authorize us and our lending partners to obtain and review your credit information for the purposes described in this agreement.

1. Authorization to Obtain Credit Reports

You hereby authorize inbestloans.com or onlineloans.org and our lending partners, platforms, and affiliates ("Authorized Parties") to obtain consumer reports (credit reports) about you from one or more consumer reporting agencies, including but not limited to:

  • Equifax
  • Experian
  • TransUnion
  • Other credit bureaus and consumer reporting agencies

This authorization is provided under the Fair Credit Reporting Act (FCRA) and applies to both personal and business credit information, as applicable.

2. Purpose of Credit Checks

You authorize the Authorized Parties to obtain your credit information for the following purposes:

  • Evaluating your loan application and eligibility
  • Determining loan terms, interest rates, and loan amounts
  • Verifying your identity and information
  • Assessing creditworthiness and risk
  • Matching you with appropriate lending partners
  • Preventing fraud and ensuring security
  • Complying with legal and regulatory requirements

3. Express Written Consent

You provide your express written consent, as required by the Fair Credit Reporting Act (15 U.S.C. § 1681b), for the Authorized Parties to obtain consumer reports about you. This consent is provided electronically through your use of our website and your submission of loan applications or requests.

By clicking "Get My Quote," submitting an application, or otherwise using our services, you acknowledge that you have read, understood, and agree to this Credit Authorization Agreement.

4. Scope of Authorization

This authorization extends to:

  • Initial credit checks when you submit an application
  • Subsequent credit checks during the loan application process
  • Credit checks by lending partners who may contact you
  • Periodic credit checks for account management (if applicable)
  • Credit checks for related products and services

5. Information Sharing

You authorize us to share your credit information and application data with:

  • Our network of lending partners and platforms
  • Credit bureaus and consumer reporting agencies
  • Service providers who assist in processing your application
  • Regulatory authorities as required by law

This sharing is necessary to facilitate loan matching, application processing, and credit evaluation.

6. Credit Score Impact

You understand that:

  • Initial credit inquiries through our service may result in "soft pulls" that typically do not affect your credit score
  • When you proceed with a specific lender, they may perform "hard pulls" that can impact your credit score
  • Multiple credit inquiries within a short period may have a cumulative effect on your credit score
  • You have the right to know which lenders are accessing your credit information

7. Your Rights Under the FCRA

Under the Fair Credit Reporting Act, you have the right to:

  • Know what information is in your credit file
  • Dispute inaccurate or incomplete information
  • Receive a free copy of your credit report annually from each major credit bureau
  • Know who has accessed your credit report
  • Opt-out of prescreened credit offers

For more information about your rights, visit the Federal Trade Commission website or contact the credit bureaus directly.

8. Duration of Authorization

This authorization remains in effect:

  • During the entire loan application and matching process
  • Until you withdraw your authorization in writing
  • As long as necessary to complete transactions you have initiated
  • As required by applicable laws and regulations

9. Withdrawal of Authorization

You may withdraw this authorization at any time by contacting us through our Contact page and providing written notice. However, withdrawing authorization may result in:

  • Termination of your loan application process
  • Inability to match you with lending partners
  • Inability to complete loan transactions

10. Accuracy of Information

You represent and warrant that all information you provide to us is accurate, complete, and current. You understand that providing false or misleading information may result in denial of your application and may constitute fraud.

11. Contact Information

If you have questions about this Credit Authorization Agreement or wish to withdraw your authorization, please contact us through our Contact page.

Last Updated: 2/26/2026