Credit Authorization

Last updated: November 2026

This authorization explains how your credit and identity information may be obtained when you submit a request through Challenge Associates.

1. What you authorize

By submitting a request and checking the box to agree, you provide written instructions under the Fair Credit Reporting Act authorizing Challenge Advertising & Associates, Inc. and the participating lenders and partners to whom your request is shared to obtain information about you from one or more consumer reporting agencies, including national credit bureaus and specialty consumer reporting agencies.

2. Why it is used

• To verify your identity and help prevent fraud
• To determine whether lenders may be able to make you an offer
• For lenders to evaluate an application you choose to submit

3. Effect on your credit score

Challenge Associates does not obtain your credit report, and submitting a request does not affect your credit score. A lender may perform a soft inquiry, which does not affect your score, to prepare an offer. If you apply with a lender, it may perform a hard inquiry, which may affect your score.

4. Duration

This authorization applies to your current request and to any application you submit to a lender as a result of it.

5. Contact us