DebtIQ Credit Authorization

SUMMARY: I authorize LendingClub to obtain credit information regularly from one or more credit bureau(s) and other third-party information services for as long as I am enrolled in DebtIQ, for uses consistent with the DebtIQ™ Terms of Use, including providing me information about products or services that may be of interest to me. I have read this authorization in its entirety.

Last revised April 29, 2024

Please read this Authorization carefully and print or save a copy for future reference.
In this DebtIQ Credit Authorization ("Authorization"), the words "you" and "your" mean any person authorizing us to obtain and use such person's consumer reports, as described below. The words "we," "us," "our," and "LendingClub" means LendingClub Bank, National Association, together with LendingClub’s service providers, agents, assigns, and third parties engaged to assist with providing DebtIQ.

Pursuant to this Authorization, you authorize and consent to us regularly obtaining consumer report information from one or more credit bureau(s) or consumer reporting agencies, third party data sources or suppliers, and other third party information services or service providers, including without limitation financial institutions, lenders, and/or creditors for any lawful purpose for so long as you are enrolled in DebtIQ, including but not limited to: (1) providing credit information, education, alerts, simulations, notices, offers and recommendations that are intended to help you improve your credit score, protect your credit and meet your financial goals and improve your overall financial health (2) marketing products and services from LendingClub or a third party, including matching you with products or offers; (3) providing any other debt monitoring and debt management related services through DebtIQ; and (4) assisting with internal modeling and analysis. In connection with these purposes, you authorize LendingClub to share all or parts of your consumer reports with agents, partners, counterparties, or affiliates.


By checking the authorization checkbox and clicking “Activate DebtIQ” during enrollment (or by otherwise taking an affirmative action indicating your agreement to this Authorization), you agree that:

  • You have received, read, and agree to all of the terms of this Authorization; and

  • You authorize us to obtain and use consumer reports and related information about you, now and periodically for as long as you remain enrolled in DebtIQ, from one or more consumer reporting agencies and other third-party information services, as described above.

    Any reviews presented are individual experiences and results may vary. Reviews are collected and authenticated by Bazaarvoice. Any average rating presented is based on these reviews. All reviews can be accessed at https://www.lendingclub.com/company/reviews.

    Unless otherwise specified, all credit and deposit products are provided by LendingClub Bank, N.A., Member FDIC, Equal Housing Lender (“LendingClub Bank”), a wholly-owned subsidiary of LendingClub Corporation, NMLS ID 167439. Credit products are subject to credit approval and may be subject to sufficient investor commitment. Credit union membership may be required. Deposit accounts are subject to approval. Deposit products are FDIC-insured up to $250,000 per depositor, per ownership category.

    "LendingClub" and the "LC" symbol are trademarks of LendingClub Bank.

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