Credit Authorization
Lighter Lending
Effective Date: May 1, 2026
Last Updated: June 1, 2026
This Credit Authorization explains how your credit information may be accessed when you use lighterlending.com (the "Site") and the services of Draper Company Ltd. ("Lighter Lending," "we," "us," or "our"). It supplements our Privacy Policy and Terms of Use. By submitting your information through our forms, you agree to this Credit Authorization.
1. Your Authorization (Written Instruction Under the FCRA)
By submitting your information and clicking the button indicating acceptance, you are providing "written instruction" under the Fair Credit Reporting Act (FCRA), 15 U.S.C. 1681b(a)(2), authorizing the Partners with whom we share your request (including lenders, lending marketplaces, and debt-relief providers) and their respective service providers to obtain your consumer credit report, credit score, and related information from one or more consumer reporting agencies and other data sources.
Lighter Lending transmits your request and the information you provide to these Partners. Lighter Lending does not itself obtain your consumer credit report or credit score.
You authorize this access for the following purposes:
- to verify your identity;
- to determine your eligibility for loan, debt-relief, and other financial products; and
- to present you with potential offers.
2. Soft Inquiries by Partners
Inquiries made for the eligibility and matching purposes described above are "soft" inquiries. A soft inquiry does not affect your credit score and is generally visible only to you.
Where necessary to evaluate your eligibility or to present an offer, a Partner may conduct its own soft credit inquiry. Each Partner is an independent third party and acts under its own policies and its own FCRA obligations.
3. Hard Inquiries
A "hard" inquiry may affect your credit score and is typically required for a formal credit application. A Partner will conduct a hard inquiry only with your separate, explicit authorization, which you would provide directly to that Partner if you choose to proceed with a formal application for its product. Lighter Lending does not conduct hard inquiries.
4. What Lighter Lending Is Not
Lighter Lending is not a lender and does not make credit or lending decisions. Lighter Lending is not a consumer reporting agency and does not generate credit reports or scores. Any credit decision is made solely by a Partner under its own criteria.
5. Withdrawing or Limiting This Authorization
Before you submit a request, you may decline this authorization by not submitting your information, or by contacting us at privacy@lighterlending.com.
Once you submit a request, your information is transmitted to one or more Partners, and a Partner may use this authorization to conduct a soft inquiry. We cannot reverse inquiries that have already been made or retract information already transmitted to a Partner. If you wish to limit or withdraw this authorization after submission, email us at privacy@lighterlending.com with the name, email address, and phone number you provided. We will notify the Partner or Partners who received your request of your wish to stop further inquiries and contact. Because each Partner is an independent third party operating under its own FCRA obligations and policies, you may also need to contact that Partner directly to limit or withdraw any authorization as to that Partner.
6. Accuracy of Your Information
You represent that the information you provide is true and accurate and relates to you. Submitting another person's information for a credit inquiry without authorization is prohibited and may violate the law.
7. Contact Us
For questions about this Credit Authorization, contact:
Draper Company Ltd.
Attn: Privacy & Compliance
400 East Pikes Peak Avenue, Colorado Springs, CO 80903
Email: privacy@lighterlending.com