Fair Credit Reporting Act (FCRA) Disclosure

Credit Bureau Inquiry Notice

By submitting a request through CareFunding's matching assistance platform, you acknowledge and consent that participating network providers may obtain official consumer credit reports and related consumer file information from one or more major consumer reporting agencies, including:

These inquiries are conducted by the participating providers — not CareFunding — for the purpose of evaluating your eligibility and determining ultimate qualification for a financing offer.

Hard vs. Soft Inquiries

Submitting your information through the CareFunding matching form does not itself constitute a hard credit inquiry. However, once a participating provider receives your information and decides to conduct a formal credit evaluation, that provider may perform a hard credit pull which may appear on your credit report and could temporarily affect your credit score.

Each participating provider will provide you with their own FCRA disclosures and obtain appropriate consent before performing any hard inquiry.

Your Rights Under the FCRA

The Fair Credit Reporting Act provides you with the following rights:

• Right to Free Reports — You are entitled to one free consumer credit report per year from each major credit reporting agency via AnnualCreditReport.com or by calling 1-877-322-8228.
• Right to Dispute Inaccuracies — If you believe any information in your consumer report is inaccurate or incomplete, you have the right to dispute it directly with the reporting agency. The agency must investigate your dispute within 30 days.
• Right to Know Adverse Action — If a creditor takes adverse action based on information in your consumer report (such as denying your application), they must notify you and provide the name and contact information of the reporting agency used.
• Right to Opt Out — You have the right to opt out of prescreened offers of credit by calling 1-888-5-OPTOUT (1-888-567-8688) or visiting OptOutPrescreen.com.

CareFunding's Role

CareFunding does not itself access, pull, or store consumer credit reports. All credit file access is conducted directly by participating network providers subject to their own individual FCRA compliance obligations. By using this platform, you acknowledge this disclosure and agree that participating providers may conduct credit-related inquiries as part of their independent evaluation process.