Credit Authorization

Company: Cash Advance for CO Inc. (“we,” “us,” “our”) • Brand/Application: Lafet Cash Advance (“service”) • Domain: cashadvanceforco.com (“site”)

Plain-language summary. When you ask to be matched with credit or cash-advance options, lenders and their vendors often need to confirm your identity, creditworthiness, income, and bank account details. This document explains the kinds of consumer reports and verification data that may be pulled, whether an inquiry might be soft or hard, and how to withdraw consent. Numbered headings use a closing parenthesis after the number (for example, 1), 4)) for easy reference.

Not a lender. Cash Advance for CO Inc. does not make credit decisions. Partners you choose (or who receive your lead) decide what inquiries to run and what notices to provide under FCRA and similar laws.

1) Your authorization

By submitting an application, inquiry, or request through the service, and/or by clicking “I agree,” “Authorize,” or similar, you authorize us and our network of participating third‑party lenders, financial partners, and service providers (“Partners”) to obtain and use certain information about you to evaluate, verify, and process your request.

This authorization may include obtaining one or more consumer reports, credit reports, or similar creditworthiness and identity data from consumer reporting agencies (“CRAs”) and other data sources, where permitted by law and as applicable to the product and jurisdiction.

Scope of parties. “Partners” includes prospective lenders, servicers, funding banks, credit unions where applicable, and their service providers (for example, verification platforms and consumer reporting agencies). Authorization extends to obtaining updated reports if you continue an application or request additional options, unless you withdraw as described in Section 7 below.

Separate partner consents. Some Partners require an additional click-wrap authorization or wet/dry signature for a hard inquiry or for certain bureau products. If presented, read that screen carefully—it may impose different timing or scope than this general authorization.

2) What information may be requested

Depending on the Partner and your request, data obtained may include:

• Credit-related information (for example, credit history, tradelines, and credit attributes provided by CRAs).
• Identity and fraud signals (for example, identity verification, address history, device and risk indicators).
• Income and employment verification (where available and permitted, including document or database verification).
• Bank account verification (for example, ownership and routing/account verification, transaction summaries, and funding/repayment eligibility checks).

Why so many categories exist. Lenders must satisfy identity-verification (KYC) rules, anti-fraud checks, and underwriting policies. Some products require full bank-account numbers for ACH repayment setup; others may use tokenized or partial account verification until you accept an offer.

Alternative data. Where permitted, Partners may use employment- or cash-flow–style attributes from vendors instead of, or in addition to, traditional credit scores. Availability depends on the Partner and your consent path.

3) How the information is used

Information may be used to (a) verify your identity; (b) prevent fraud and comply with legal obligations; (c) determine eligibility; (d) present potential offers or options; (e) service and support the request flow; and (f) maintain records for compliance and auditing.

Partners determine their own underwriting criteria and approval decisions. We are not a lender and do not make credit decisions.

Adverse action and risk-based pricing. If a Partner takes an adverse action based partly on a consumer report, FCRA may require a notice with the name of the consumer reporting agency and your dispute rights. If you receive risk-based pricing (less favorable material terms than other consumers received from that creditor), you may receive a risk-based pricing notice instead of or in addition to a score disclosure, depending on the circumstances.

Records. Partners maintain application records for compliance, fraud prevention, and servicing. Retention periods depend on the Partner’s legal duties and internal policies.

4) Soft vs. hard inquiries

Some Partners may use a soft inquiry to help assess eligibility without impacting your credit score, while others may require a hard inquiry in order to make a final credit decision. If a hard inquiry is required, you will typically be provided additional disclosure and/or an opportunity to authorize that inquiry before it is performed, as required by law.

Score impact. Soft inquiries typically do not affect credit scores shown to lenders on consumer reports used for credit decisions, but industry practices evolve—check the Partner’s disclosure for the specific product. Hard inquiries may affect scores; multiple inquiries in a short window for certain mortgage/auto shopping may be treated differently under scoring models—ask the lender how your application will be coded.

Joint or co-borrower applications. If you apply with a co-applicant, each person’s reports may be obtained as permitted by law and the application you sign.

5) Ongoing authorization (where applicable)

If you create an account, continue your request, or request additional products, you authorize us and Partners to obtain updated information as reasonably necessary to provide services you request, comply with legal obligations, or prevent fraud.

Examples of “reasonably necessary” updates. Re-verifying income after a long delay between approval and funding, refreshing identity signals if fraud is suspected, or obtaining a new report if you request a higher amount or different product tier.

6) Your rights under FCRA and applicable law

If consumer reports are used, your rights under the Fair Credit Reporting Act (FCRA) may apply. Depending on the circumstances, you may be entitled to receive certain notices (for example, adverse action notices) from the Partner making the credit decision.

You may request a copy of your consumer report directly from the CRA that provided it and may dispute inaccurate information with the CRA and/or the furnisher, as applicable.

Free annual reports. You may request free annual credit reports from nationwide consumer reporting agencies through the FTC-authorized channel at https://www.annualcreditreport.com (U.S.).

Security freezes and locks. You may have rights to place a freeze or lock on your credit file with each bureau. A freeze can delay or prevent new credit approvals until lifted—coordinate timing with any open application.

7) Withdrawal of authorization

You may withdraw this authorization by discontinuing your request and contacting us at support@cashadvanceforco.com. However, withdrawal may prevent us and Partners from processing your request. Withdrawal may not affect reports or inquiries already obtained or required recordkeeping.

Partner-specific withdrawal. Some lenders maintain separate consents on their portals. Withdrawing with us does not automatically revoke every Partner consent—you must also follow each Partner’s process if you have an active relationship with them.

8) Contact

Questions about this Credit Authorization can be sent to support@cashadvanceforco.com or by mail at 2269 Uinta St, Denver, CO 80238-3085.

Response expectations. We aim to acknowledge questions about this Authorization within a few business days. We cannot amend lender credit decisions or remove accurate tradelines from your bureau file—those actions go through the lender and/or the consumer reporting agency dispute process.