Credit Authorization
Last updated: October 2026
1. Credit Authorization
By submitting a request through the First Light Lending website at firstlightenlending.com, you hereby authorize First Light Lending, its lenders, and lending partners (collectively, "Lenders") to obtain your credit report and consumer reports from one or more consumer reporting agencies, including but not limited to Equifax, Experian, and TransUnion.
2. Purpose of Credit Inquiry
The credit report(s) and consumer report(s) will be obtained for the purpose of:
- Verifying your identity
- Evaluating your loan request and creditworthiness
- Determining whether to offer you a loan and on what terms
- Conducting fraud prevention and detection
- Complying with applicable legal and regulatory requirements
3. Types of Credit Inquiries
Lenders may perform one or more of the following types of credit inquiries:
- Soft Inquiry: A credit check that does not affect your credit score. This may be used for initial screening.
- Hard Inquiry: A credit check that may appear on your credit report and could affect your credit score. This is typically performed when a lender is preparing to make a loan offer.
You understand and agree that multiple Lenders may access your credit report, and that multiple inquiries may appear on your credit report.
4. Authorization to Share Information
You authorize First Light Lending to share the information you provide, including your name, address, contact information, employment details, income, and other relevant data, with Lenders in our network so they can evaluate your request and determine whether to offer you a loan.
5. Ongoing Authorization
This authorization remains in effect for the duration of your loan request process and for any subsequent loan requests you may submit. You may withdraw this authorization by contacting us at [email protected], but note that withdrawing authorization may prevent Lenders from evaluating your request.
6. Consumer Reporting Agencies
You may obtain a copy of your credit report from the following consumer reporting agencies:
- Equifax: equifax.com or 1-800-685-1111
- Experian: experian.com or 1-888-397-3742
- TransUnion: transunion.com or 1-877-322-8228
You are entitled to one free credit report from each agency every 12 months through annualcreditreport.com or by calling 1-877-322-8228.
7. Your Rights Under the FCRA
Under the Fair Credit Reporting Act (FCRA), you have the right to:
- Be informed if information in your credit report has been used against you
- Know what is in your credit report
- Dispute incomplete or inaccurate information
- Request that corrections be made to your report
- Limit access to your report (you may place a "freeze" on your report)
8. Acknowledgment
By checking the Credit Authorization checkbox on our request form and submitting your request, you acknowledge that you have read, understood, and agree to this Credit Authorization. You certify that the information you have provided is true and accurate.
9. Contact Us
For questions about this Credit Authorization, please contact us:
- Email: [email protected]
- Phone: (800) 552-5189
- Address: 100 Congress Ave, Suite 2200, Austin, TX 78701
First Light Lending is a referral service, not a lender. APR range: 5.99% - 35.99%. For questions about this policy, contact us at [email protected] or (800) 552-5189.