Credit Authorization

By using the Borrow Money - CashPeak platform and submitting a loan application, you acknowledge and provide your consent for Peak Home Finance LLC, along with its affiliates, service providers, and authorized agents (referred to collectively as “we,” “us,” or “our”), to access your credit report and related information from one or more consumer reporting agencies, such as TransUnion, Experian, Equifax, or Clarity Services.

You understand and agree that we may use your credit data for legally permitted purposes, including but not limited to:

• Verifying your identity
• Assessing your credit profile and eligibility for a loan
• Determining loan terms, including the amount, interest rate, and repayment period
• Servicing and managing your loan account
• Conducting internal risk analysis and credit modeling
• Meeting legal and regulatory obligations

You acknowledge that a soft credit inquiry may be conducted during the initial application process, which generally does not affect your credit score. If you accept a loan offer, we may perform a hard credit inquiry, which may impact your credit score.

You further authorize us to periodically obtain updated credit information, as needed, throughout the duration of your loan or as required by law.