Credit Profile Authorization

Authorization to Obtain Credit Report. By clicking the “Agree and Continue” button and continuing with the application process for a loan on Above Lending's website, www.abovelending.com, you understand and agree that you are authorizing Above Lending, Inc. and its Lending Partners, to each obtain a consumer credit report from one or more consumer credit reporting agencies and third-party data furnishers including, but not limited to TransUnion, Experian, Equifax, Giact, Socure, and Plaid. You expressly authorize Above Lending, Inc. and its and lenders in a Lending Partners lending network, if applicable, to obtain consumer reports from consumer reporting agencies about you periodically including for purposes of underwriting your loan application and throughout the term of your loan, including in the month following the month when you pay off or otherwise satisfy the loan.

We may use the credit report and information from third party data furnishers for any purpose authorized by applicable law in connection with a credit transaction involving you and involving the extension of credit to you or review or collection of your account, including but not limited to (i) for authentication purposes, to make sure you are who you say you are, (ii) to make credit decisions; (iii) to determine how much debt you currently have, in order to determine your debt-to-income ratio, and (iv) to obtain information and characteristics from your credit report from one or more consumer credit reporting agencies and third-party data furnishers. You authorize us to verify information in your credit report, and you agree that Above Lending, Inc., its Lending Partners, and lenders in a Lending Partners lending network, if applicable, may contact third parties without further notice to you to verify any such information. We may obtain your credit report each time you apply for a loan with us and at any other time that we deem it necessary in our sole discretion.

AL -CrProfileAuth (v2 eff 7/2021)