Personal Credit Pull Authorization
I HEREBY ACKNOWLEDGE that I am over the age of eighteen (18) years, and that all of the information set forth in this credit statement is true, accurate and full and complete disclosure thereof. I am providing written consent under the Fair Credit Reporting Act for above client and its partners with whom I am matched to obtain a consumer credit report from a contracted credit bureau. I understand that I am submitting a prequalification request for credit, and am consenting to the use of my credit report information. I authorize any holder of this credit application or any person, firm or corporation requested to extend credit there under, (including any employee or agent of any of them) to communicate with my employer in order to verify my employment. I authorize any holder of the loan or Retail Installation Contract, the creditor thereof, or any Attorney, debt collector or collection agency to communicating any and all information concerning this application or debt to any credit reporting agency or other creditor. By providing my email address, I consent to receive electronic information such as monthly billing reminders, statements and collection notices. I also acknowledge that you and your partners may use all contact information provided to contact me regarding this application, loan offer, account status or future issues. You may utilize electronic, mobile, autodialed messages, SMS or traditional methods. I further acknowledge and agree, that I will notify the creditor or prospective creditor in writing of any change in my name, address or employment within a responsible time thereafter.
I expressly authorize the third party lender or program manager I am matched with to share among its affiliates, loan servicers, and bank partners any transaction history related to my financial products or services received or serviced through the third party lender for the purpose of evaluating me for credit.
State Specific Disclosures
Notice to married California residents: California Civil Code §1812.30(j) requires we notify you that if you, the applicant, are married, you may apply for a separate account.
Notice to Married Wisconsin Residents: No provision of a marital property agreement, a unilateral statement under Wis Stat §766.59 or a court decree under Wis. Stat. 766.70 adversely affects the interest of the creditor unless the creditor, prior to the time the credit is granted, is furnished a copy of the agreement, statement or decree or has actual knowledge of the adverse provision when the obligation to the creditor is incurred.
For OH applicants: The Ohio laws against discrimination require that all creditors make credit equally available to all credit worthy 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.
For CO applicants: Your loan application may be subject to an additional review using artificial intelligence (AI). This technology may help applicants with limited credit history by providing a more comprehensive evaluation. The AI tool analyzes the information you submitted including previously obtained credit, financial, or other personal data to assess your overall credit profile. This process supports fair and informed credit decisions and may improve your chances of approval.
This decision may be considered a consequential decision under applicable law which means the use of AI may have a material or significant effect on the loan decisioning process. For more information about our use of AI and how we protect your privacy, please visit our Privacy Policy.
Privacy policy link: https://www.usbank.com/about-us-bank/privacy/security.html.
Verification
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 person who opens an account.
What this means for you:
When you open an account, we will ask for your name, address, date of birth and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.
TCPA
Authorization for the Social Security Administration to disclose your Social Security number verification I also acknowledge that you and your partners (including AmOne) may use all contact information provided to contact me regarding this application, loan offer, account status or future issues. You may utilize electronic, mobile, autodialed messages, SMS or traditional methods.
Electronic Disclosure
By consenting to electronic records with unitedcredit.com via the Internet, you consent to receive certain notifications, disclosures and/or documents electronically.
This Electronic Disclosure and Consent Agreement incorporates the Terms and Conditions and applies to the information you are providing on this site and any other communications we, our third party lenders, or any other third party affiliates discussed herein may provide to you.
By submitting your information you agree to receive all such notifications, disclosures and/or documents in electronic form or online in accordance with this document. You may withdraw your consent prior to submitting your information by exiting the website or by closing your browser. However, you will not be able to submit your information if you withdraw your consent by exiting the website or closing your browser. However, you may contact us or any of the third parties that we have shared your information with for purposes of one of our offers, and request no further contact.
All notifications, disclosures and/or documents that we or any third parties provide to you in electronic format will be provided either;
(i) Via E-mail and/or SMS.
(ii) By access to a secure customer service website which will be provided to you in an e-mail notice sent to you when the documents are available.
(iii) By posting on this Site.
(iv) By posting on a website designated for that purpose.
All notifications, disclosures and/or documents provided in electronic or paper format from us or any third parties to you will be considered “in writing,” and you should print a copy for your records. You may obtain any notifications, disclosures and/or documents in paper form without charge from us by printing them yourself from our website or the appropriate third party website when available. To access, view and retain the notifications, disclosures, and/or documents available to you in electronic form, you must have Internet access, sufficient electronic storage capacity, an e-mail account with an internet service provider e-mail software.
To facilitate electronic commerce, to reduce the expense of records storage, and to obtain the benefits of faster access to records, you acknowledge and agree that all records may be stored electronically; and that neither we nor any third parties will retain and have no obligation to retain any original or electronic documents for any period of time beyond the regulatory requirements. This applies to all notifications, disclosures and/or documentation. You further acknowledge and understand that all original and electronic notification, disclosures and/or documentation will be routinely destroyed, but not before the period of time designated by regulatory requirements. Records may be stored electronically via imaging, scanning, filming or other technology used for the storage of documentation via internal processes or third-party processors that we or any third parties approve for these services. You agree that such storage shall be secure, and further agree that such records shall for all purposes be recognized and admissible in evidence or otherwise to prove the agreements, rights and obligations of the parties pursuant to any such records. We will retain your information for as long as needed to provide you services. If you wish to request that we no longer use your information to provide you services please contact us at info@unitedcredit.com. We will retain and use your information as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements.
By completing and submitting your information, you
(i) Agree to provide us with an accurate and complete e-mail address and other required information requested on this Site.
(ii) Confirm your consent to receive notifications, disclosures and/or documents in electronic format.
(iii) Affirmatively demonstrate your ability to access the notifications, disclosures and/or documents in electronic form.
(iv) Confirm that you have provided a current e-mail address at which electronic notifications can be sent, disclosures and/or documents to you.
(v) Acknowledge that you have accessed the Consent.
(vi) Agree to the terms of this Consent.
We and any third parties, reserve the right, in our sole discretion, to discontinue electronic provision of notifications and/or documents. You will be provided with notice of any such termination or change as required by law.
You agree and intend the federal Electronic Signatures in Global and National Commerce Act to apply to
(i) This Consent to receive notifications, disclosures and/or documents in electronic form.
(ii) The information you provide.
(iii) Our and/or any third parties ability to conduct business with you by electronic means.
eCBSV
Authorization for the Social Security Administration to disclose your Social Security number verification
I authorize the Social Security Administration (SSA) to verify and disclose to U.S. Bank through Early Warning Services, LLC. or Socure Inc., for the purpose of this application whether the Name, Social Security Number (SSN) and Date of Birth (DOB) I have submitted matches information in SSA records, including the basis for a no-match response. My consent is for a one-time validation within the next 90 days. By clicking the ‘Submit application’ button, I am signing the consent for SSA to disclose my SSN Verification to U.S. Bank / Early Warning. I agree that my electronic signature has the same legal meaning, validity and effect as my handwritten signature.
Informed Consent
By clicking ‘Submit application’, you’re agreeing to accept the above terms and conditions.
Loan performance disclosures to merchant providers
In connection with the facilitation of consumer financing through our platform, we may share limited loan performance information, specifically whether a consumer’s loan resulted in a first payment default, with the originating merchant or service provider. This information is shared solely for the purpose of administering merchant funding programs, enforcing merchant repurchase obligations, and mitigating potential fraud or misuse of financing services.
This disclosure is limited to transactions in which the merchant was directly involved and is subject to confidentiality and non-reuse restrictions. We do not share full credit reports or other consumer financial data for unrelated purposes.
Privacy Policy
We collect information from you when you register on our site or fill out a form.
When submitting a form on our site, as appropriate, you may be asked to enter your: name, e-mail address, mailing address, phone number, credit card information and social security number. You may, however, visit our site anonymously.
Any of the information we collect from you may be used in one of the following ways:
To improve our website:
(we continually strive to improve our website offerings based on the information and feedback we receive from you)
To improve customer service:
(your information helps us to more effectively respond to your customer service requests and support needs)
To process transactions:
Your information, whether public or private, will not be sold, exchanged, transferred, or given to any other company for any reason whatsoever, without your consent, other than for the express purpose of delivering the purchased product or service requested.
To send periodic emails:
The email address you provide for order processing, may be used to send you information and updates pertaining to your order, in addition to receiving occasional company news, updates, related product or service information, etc.
Note: If at any time you would like to unsubscribe from receiving future emails, we include detailed unsubscribe instructions at the bottom of each email.
We implement a variety of security measures to maintain the safety of your personal information when you enter, submit, or access your personal information.
We offer the use of a secure server. All supplied sensitive/credit information is transmitted via Secure Socket Layer (SSL) technology and then encrypted into our Database to be only accessed by those authorized with special access rights to our systems, and are required to keep the information confidential.
After a transaction, your private information (credit cards, social security numbers, financials, etc.) will be kept on file for more than 60 days in order to abide to state and federal financial laws.
Yes (Cookies are small files that a site or its service provider transfers to your computer’s hard drive through your Web browser (if you allow) that enables the sites or service providers systems to recognize your browser and capture and remember certain information
We use cookies to compile aggregate data about site traffic and site interaction so that we can offer better site experiences and tools in the future.
We do not sell, trade, or otherwise transfer to outside parties your personally identifiable information without your consent.
This does not include our third party lenders and trusted third parties who assist us in operating our website, conducting our business, or servicing you, so long as those parties agree to keep this information confidential.
We may also release your information when we believe release is appropriate to comply with the law, enforce our site policies, or protect ours or others rights, property, or safety. However, non-personally identifiable visitor information may be provided to other parties for marketing, advertising, or other uses.
Because we value your privacy we have taken the necessary precautions to be in compliance with the California Online Privacy Protection Act. We therefore will not distribute your personal information to outside parties without your consent.
We are in compliance with the requirements of COPPA (Children’s Online Privacy Protection Act), we do not collect any information from anyone under 13 years of age. Our website, products and services are all directed to people who are at least 13 years old or older.
By using our site, you consent to our privacy policy.
If you do not want us to collect, use, and share your information as described in this Policy, you may opt-out by emailing a request in writing to info@unitedcredit.com or to our address below and we will not use or disclose your information.
If we decide to change our privacy policy, we will post those changes on this page.
If there are any questions regarding this privacy policy you may contact us using the information below:
1 Park Plaza, Ste 600
Irvine, CA 92614
(855) 503-1800
As Chief Sales and Marketing Officer, Nate expertly drives revenue growth for United Credit by leading sales and marketing strategies across all channels. With over 20 years of experience working with global brands in various industries, Nate has a proven track record of boosting sales, expanding market share, and building strong relationships. His unique ‘right-brain + left-brain’ approach combines business acumen and strategic thinking with striking creative execution, ensuring United Credit’s sales and marketing efforts consistently deliver results for continued success.
Matthew is the President and Founder of United Credit. Matt founded fintech company United Medical Credit in 2011 to connect consumers and businesses with an array of experienced, innovative financing solutions. In 2022, the company grew and became United Credit, fueling an expansion into retail markets while retaining its expertise in specialty healthcare.
Since its founding, Matt has provided leadership for all aspects of the Company, emphasizing long-term growth while ensuring United Credit delivers value to its consumers, merchants, and business partners. The Company has risen in the fintech space as a preferred consumer financing partner under his tenure.
Matt is also an active member of YPO (Young Presidents’ Organization), the world’s largest leadership community of company chief executives.