Credit Pull Consent & Authorization

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United States

Canada

Last Updated: July 16, 2026

United States

By submitting a loan request through Scratch Financial, Inc.’s (“Scratch” or “Scratch Pay”) platform, you authorize and instruct Scratch, WebBank, our partner bank and lender of record and originating bank for U.S. loans (“WebBank”), and their respective service providers, agents, and assignees (together, “we,” “our,” or “us”) to obtain consumer reports about you, including credit reports, credit scores, and related information, from one or more consumer credit reporting agencies for purposes permitted by applicable law, including the Fair Credit Reporting Act.

We may use the consumer report and information derived from them only in connection with your loan request, any resulting loan or account, and related legal, compliance, fraud prevention, servicing and collection activities, including for the following: (i) for authentication purposes (i.e., to make sure you are who you say you are);

(i) for authentication purposes (i.e., to make sure you are who you say you are); (ii) for internal modeling and analysis purposes; (iii) to evaluate your credit profile in order to make credit decisions; (iv) to determine your debt-to-income ratio; (v) to obtain your credit score(s) and assign you a Scratchpay Risk Score based in part on that credit score(s); and (vi) to obtain and display information and characteristics from your credit report from one or more consumer credit reporting agencies, and (vii) conduct credit, risk, model validation, compliance, fraud prevention, and portfolio analysis related to your loan request or account

You authorize us to verify information in your loan request, account, and consumer report, and you agree that Scratch,, WebBank, and their service providers and agents may contact third parties to verify such information.

We will obtain a consumer report each time you submit a loan request through Scratch’s platform and, if you obtain a loan, from time to time as permitted by law in connection with servicing, administering, reviewing, collecting, or enforcing that loan or account. We will not use your credit report for marketing or for an unrelated purpose unless permitted by law and, where required, authorized by you.

CANADA

By submitting an application or request for credit in Canada, excluding Quebec, you consent to and authorize Scratch Financial, Inc. (“Scratch,” “Scratch Pay,” “we,” “us,” or “our”), and our service providers and agents to collect, obtain, use, disclose, and verify personal information and credit information about you from credit reporting agencies and other verification sources, including consumer reports, credit reports, credit scores, identity information, income information, payment history information, application information, and loan or account information.

We may obtain information about you from one or more Canadian credit reporting agencies and other verification sources for purposes permitted by applicable law, including to:

1. verify your identity and authenticate your application;
2. process, assess, and make decisions about your application or request for credit;
3. evaluate your eligibility, creditworthiness, repayment capacity, debt obligations, and risk profile;
4. determine whether to offer you credit and the terms of any credit offered;
5. prevent, detect, and investigate fraud, unauthorized activity, misrepresentation, security incidents, or misuse of our products or services;
6. service, administer, manage, review, modify, or collect any loan or account;
7. verify information contained in your application or in any consumer report or credit report;
8. create, maintain, update, and use internal risk, underwriting, fraud-prevention, compliance, model validation, portfolio monitoring, and account-management models related to your application, loan, or account;
9. report information about your application, loan, account, repayment history, default, or other credit-related information to credit reporting agencies, including to establish, maintain, update, or verify your credit file, as permitted by applicable law; and
10. comply with legal, regulatory, audit, risk-management, and recordkeeping obligations.

You authorize Scratch and its service providers and agents to contact and obtain information from third parties to verify information you provide or information contained in any consumer report or credit report. These third parties may include credit reporting agencies, identity verification providers, financial institutions, payment processors, clinics or practices, income verification providers, and other sources we use to evaluate, verify, service, administer, or collect your application, loan, or account.

We may obtain your credit report or other consumer report when you submit an application or request for credit and from time to time after that in connection with verification, fraud prevention, servicing, account review, collections, dispute resolution, or other purposes permitted by applicable law. This authorization is effective as of the date you submit your application or request for credit and continues while your application is pending and while any resulting loan or account is outstanding, subject to applicable law.

You understand that if you do not provide this authorization, or if you withdraw it where withdrawal is permitted by law, Scratch may be unable to process your application, offer you credit, verify your identity, service your account, or continue providing products or services to you. Withdrawal of consent does not affect actions taken before the withdrawal or uses and disclosures permitted or required by applicable law.

Our ability to obtain or use a consumer report or credit report may be limited by applicable law, including any credit freeze, security freeze, alert, or identity-verification requirement that applies to your file.

This authorization applies to Canadian credit products offered or issued by Scratch Financial, Inc., in Canada, excluding Quebec.