Fair Credit Reporting Act Disclosure

Fair Credit Reporting Act Disclosure

A. By clicking "I Consent",

I give Boatzon and its partners written consent to obtain consumer reports from one or more consumer reporting agencies to show me credit options I pre-qualify for when financing with Boatzon or affiliated seller. Retrieving my pre-qualification credit terms generates a soft credit inquiry, which is visible only to me and does not affect my credit score. This pre-qualification is a soft pull of your credit and does not impact your credit score.

B. By clicking "I Consent",

I hereby agree and authorize under the Fair Credit Reporting Act that (1) my information may be sent to lending partners, and third-party aggregators working on behalf of lenders, on my behalf to complete my request, and (2) that such lending partners and aggregators working on behalf of lenders obtain consumer reports and related information about me from one or more consumer reporting agencies such as TransUnion, Experian and Equifax. I hereby agree to receive calls about my loan which calls may be auto dialed, use of artificial or pre-recorded voices, and/or be text messages from Boatzon and/or affiliated lending partners. If you do not consent to be contact by a lending partner, please call 1-833-BOATZON.

C. By clicking "I Consent",

I/We hereby provide written authorization for Boatzon, its employees, agents, affiliates, including Newcoast and their successors and assigns (collectively, “You”), to obtain any and all information necessary to process and evaluate my/our application for a loan, including my/our credit report(s) from a third party that may include my/our credit history and employment history. I/WE ACKNOWLEDGE THAT I/WE HAVE RECEIVED A COPY OF THIS APPLICATION.

I/We affirm that all the information in this credit application is complete and true, whether completed by me/us or by You at my/our direction.

I/We authorize You to obtain my/our personal consumer credit report(s) from one or more national consumer reporting agencies. This authorization permits You to:

• Access information regarding my/our credit history, outstanding obligations, and other credit matters in connection with this information.
• Obtain additional credit reports, from time to time, for the purpose of reviewing, updating, renewing, or extending any credit we may receive, or for the collection of any resulting account.

I/We understand that a hard inquiry may be placed on my/our credit file, which may impact my/our credit score. Upon request, I/we will be informed whether or not a credit report was requested, and if so, the name and address of the consumer reporting agency that furnished the report.

FALSIFICATION OF CREDIT INFORMATION TO A BANK IS A CRIMINAL VIOLATION OF FEDERAL AND ALL STATE LAWS. I/WE UNDERSTAND THAT THE FINANCIAL INSTITUTION TO WHICH THIS APPLICATION IS BEING PRESENTED WILL BE REQUESTED TO EXTEND CREDIT TO ME/US ON THE BASIS OF THIS CREDIT STATEMENT.

The information obtained will be used solely for the purpose of evaluating this loan application and for legitimate purposes associated with the account if credit is extended.

I/We authorize all corporations, former employers, credit bureaus, and other agencies to release to you all relevant information they may have about me/us. An exact photocopy, facsimile, or electronic copy of this form shall be as valid as the original signed document.

To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each customer who opens an account. Therefore, all new and existing customers are subject to the identity verification requirements. When a customer opens an account with any entity within the Boatzon family of lenders, we will ask for the customer’s name, address and identification number, and, in the case of an individual, his or her date of birth. For business accounts, we may also obtain this information for individuals associated with the business. We may also request to see a driver’s license or other identifying documents. In all cases, Boatzon is committed to protecting the privacy and identity of each of its customers.

You agree as follows: On each phone number that you give on this application, whether land line or cell phone, you consent to us, our affiliates, our agents, and assignees of any of us (including the creditor to whom we assign your application) contacting you at the number by calling, texting, or sending other electronic messages, from time to time, for any reason about your accounts, including but not limited to, for collection and payment purposes. You agree that automated dialing equipment or prerecorded voice messages may be used for any of these purposes.

By providing your Social Security number (SSN), you consent to its use for processing your loan application and identity verification. We comply with all relevant laws to safeguard your SSN and personal data. Your SSN is voluntary but necessary for processing your application.

FOR CALIFORNIA RESIDENTS: Each applicant, if married, may apply for a separate account.

FOR MAINE RESIDENTS: Consumer reports (credit reports) may be obtained in connection with your loan application. (1) If you request, you will be informed whether or not consumer reports were obtained. (2) If reports were obtained, if you request, you will be informed of the names and addresses of the consumer reporting agencies (credit bureaus) that furnished the reports.

You have the right to select the agent and insurer to be used for any type of insurance required in connection with this credit transaction, including the right to choose an insurance agent or broker, whether or not that agent or broker is affiliated with us.

We shall not interfere, either directly or indirectly, with this right of choice of an agent and of an insurer. Your choice of a particular insurance agent or broker will not affect our credit decision or credit terms in any way, as long as the insurance provides adequate coverage with an insurer who meets our reasonable requirements such as the solvency and assessment policies of the insurer and its ability to service the policy.

FOR NEW HAMPSHIRE RESIDENTS: If this is an application for a balloon retail sales contract, applicants are entitled, upon request, to receive a written estimate of the monthly payment for a balloon payment refinancing in accordance with the creditor's current refinancing programs prior to entering into a balloon contract.

FOR NEW YORK RESIDENTS: Upon request, the applicant(s) will be informed whether or not a consumer report was requested, and if such report was requested, informed of the name and address of the consumer reporting agency that furnished the report. I/We have the right to ask you for the name and address of the credit bureau which gave you the credit history. Subsequent reports may be ordered or utilized in connection with an update, renewal or extension of credit for which you have applied.

FOR OHIO RESIDENTS: The Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this law.

Any person who, with intent to defraud or knowing that he is facilitating a fraud against an insurer, submits an application or files a claim containing a false or deceptive statement is guilty of insurance fraud.

FOR WISCONSIN RESIDENTS – NOTICE TO MARRIED APPLICANTS: No provision of any marital property agreement, unilateral statement under Wis. Statutes § 766.59 or court decree under Wisc. Statutes § 766.70 adversely affects the interest of the creditor unless the creditor, prior to the time the credit is granted or an open-end credit plan is entered into, is furnished a copy of the agreement, statement or decree or has actual knowledge of the adverse provision. The credit being applied for, if granted, will be incurred in the interest of my marriage or family. I understand the Creditor may be required by law to give notice of this transaction to my spouse.