Credit Report Policy & Your Information

1. Consent to Obtain Credit Information

By submitting your loan request or checking your rate on Orchard Key, you understand and expressly agree that you are providing written instructions and your consent under the Fair Credit Reporting Act (FCRA). You authorize Orchard Key, its network of lending partners, and its affiliates to obtain your credit report, credit score, and other related information from one or more consumer reporting agencies (such as Equifax, Experian, or TransUnion).

2. Soft Inquiries vs. Hard Inquiries

It is important to understand how we interact with your credit file to protect your financial standing:

3. How We Use Your Information

We are committed to data minimization. Your credit information and personal data are used strictly to:

• Verify your identity, prevent fraud, and comply with the USA PATRIOT Act.
• Assess your creditworthiness and current financial profile.
• Match you accurately with appropriate loan products, amounts, and repayment terms.
• Comply with all applicable federal and state regulatory requirements.

4. Do Not Sell or Share My Personal Information

Depending on your state of residence (such as California under the CCPA/CPRA, or states with similar privacy frameworks), you may have the legal right to direct us not to "sell" or "share" your personal information.

Orchard Key respects your privacy and operates transparently. We only share your data with necessary third-party lending partners, identity verification services, and service providers required to facilitate your specific loan request. We do not sell your personal data to unaffiliated third parties for their own marketing purposes.

If you would like to exercise your right to opt-out, access your data, or request deletion of your information, please contact us at the email address provided below or submit a formal request through our Contact Us page.

5. Accuracy of Your Information

You agree that all information you provide during the application process is accurate, current, and complete. Orchard Key relies on the accuracy of this data. We do not control the data maintained by national credit bureaus.

If you believe there are inaccuracies in your credit report, you must file a dispute directly with the relevant credit bureau (Equifax, Experian, or TransUnion). We cannot alter or amend the credit records held by these agencies.

6. Contact Information

If you have any questions, concerns, or requests regarding this Credit Report Policy or how your personal information is managed, please contact our Compliance Team at: