Consumer Authorization to Pull Credit

Last Updated: May 12th, 2021

I hereby authorize JoyBump Inc., and other persons or entities working with JoyBump including but not limited to, LoanGlide Inc (an affiliated entity), JoyBump’s lending partners and any other entity that may process, underwrite or fund the loan(s) I/we am/are seeking, to access my/our credit reports for credit purposes through TransUnion in compliance with 15 U.S.C. §1681b(a)(3)(A). This authorization includes any subsequent inquires required including but not limited to updating credit history, credit rescoring, and/or quality control. I further provide authorization, to the same extent as above, to verify my current and previous employment, earnings and credit records including bank accounts, stockholdings, current and past loans, landlord references and any other assets, liabilities and public record information needed to process my loan application. JoyBump and any other entities outlined above may utilize this data exclusively for lending purposes. I understand and agree this authorization qualifies as a written authorization and is enforceable under the Electronic Signatures in Global and National Commerce Act (“ESIGN”) Pub. L. No. 106-229, 114 Stat. 464 (2000) (codified at 15 U.S.C. § 7001 et seq.). It is understood that a copy of the data associated with this authorization shall serve as an original authorization. This authorization expires 180 days from the date of execution. I understand and agree that TransUnion has no control over the content of the information provided to it, and it is not responsible for inaccurate results, including those due to incorrect, missing, or outdated credit report information.

 Privacy Act Notice: This information is to be used by JoyBump (including its affiliate, LoanGlide, Inc.) and its lending partners in determining whether you qualify as a prospective borrower under its program. The information will not be disclosed outside JoyBump, LoanGlide or the lending partners except as required and permitted by law. You do not have to provide this information, but if you do not your application for approval as a prospective borrower may be delayed or rejected.

I certify that I am eighteen years of age or older and that I am the person identified herein. I agree to abide by the terms and conditions contained in the loan agreement with the JoyBump lending partner. I understand that under 15 U.S.C. §1681 any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be subject to a fine, imprisonment, or both.

You must scroll through and read the entire above agreement to continue.

You understand that by clicking on the COMPLETE button immediately following this notice, you are providing “written instructions” and permission for JoyBump  to access your credit report(s) through TransUnion.

I/We agree and accept the above listed Terms and Conditions