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Soft Inquiry Authorization

Debthunch and its Partners will pull a soft inquiry on your credit report from a credit reporting agency to confirm your identity and the accuracy of the information you provide and to pre-qualify you for an extension of credit and available loan offers. This soft inquiry will not affect your credit rating. If you pre-qualify for a loan offer and decide to apply for a loan with Debthunch or its Partners, then they may conduct a hard inquiry, which could impact your credit rating.

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*Debthunch offers some of the smartest debt consolidation, payment consolidation and debt resolution solutions available through our national network of licensed consumer finance partners that provide a specialized array of diverse financial products and services. Debt Consolidation Loans: Licensed consumer finance partners we match you with may not be able to extend credit if after your application they determine that you do not meet the criteria required to be approved for a debt consolidation loan. Financing approval is subject to a variety of factors including, but not limited to, age, credit history, credit scores, acceptable income, debt-to-income ratio and collateral. Interest rates, Annual Percentage Rate (APR) and payment terms may be determined based on the above factors. Debt consolidation loans are not offered in all states. Debt consolidation loan interest rates range from 5.25%-29.99% APR and loan terms range from 12-84 months. Payment Consolidation and Debt Resolution: There are no upfront fees charged by Debthunch licensed partners for payment consolidation and debt resolution services. Use of said services historically reduces outstanding debt balances by 50% of what is owed to creditors before fees and 65%-75% including fees for those who make all payments and complete the entire payment consolidation and debt resolution process. Fees usually range between 15-25% of the qualified debt balances selected for said services and are only charged by Debthunch licensed partners after payment consolidation and debt resolution services have been completed. Fees are deferred with a zero interest extension of credit until said services are completed. Displayed percentages are estimates based on historical results for Debthunch partners and are to be used for illustrative and comparative purposes and do not represent a guarantee or that your results will match those displayed. Use of said services may have an initial adverse impact to credit rating, which may be followed by a rebound and favorable impact to credit rating as qualified debt balances are paid off to lenders. Debthunch partners providing said services do not assume debts, make payments to creditors or provide tax, bankruptcy, accounting, legal advice or credit repair services. Use of said services may result in collections or lawsuits by creditors or collectors and may increase outstanding balances due to the accrual of fees and interest during the debt resolution process. Debt amounts forgiven by creditors as a result of using said services may be subject to income tax. However, all accrued fees and interest are resolved when the debt resolution process is completed. Payment consolidation and debt resolution services are not available in all states and fees may vary by state. Read and understand all agreements and documentation prior to contracting with Debthunch partners for said services.