Credit Report Policy

Please review the following rules that govern our Credit Reporting Policy, as well as the Terms and Conditions of Use (“Terms of Use”) and Privacy Policy regarding the information that you provide to us. These terms and policies apply to the website owned, operated, licensed, and controlled by Wittern Financial Services., including its related, affiliated, or subsidiary companies (together, “WFS”) located at, and all associated WFS sites linked to this website (collectively, the “Site”). By using this Site and allowing a credit inquiry, you agree to our Credit Reporting Policy, Terms and Conditions of Use, and Privacy Policy. If you do not agree, do not use this Site.

WFS reserves the right, at its sole discretion, to change, modify, add or remove portions of our Credit Reporting Policy, Terms of Use, and Privacy Policy, at any time. It is your responsibility to check these policies and terms periodically for changes. Your continued use of the Site following the posting of changes will mean that you accept and agree to the changes. As long as you comply with these terms and policies, WFS grants you a personal, non-exclusive, non-transferable, limited privilege to enter and use the Site.

Financing Application Submission – Credit Inquiry

When you submit your financing or loan application, we may conduct a credit inquiry (known as a “hard credit pull” or “hard credit inquiry”), a standard step in most financing or loan applications. This inquiry will be recorded on your credit history and may impact your credit score. By entering your Social Security Number on the financing application page and clicking “Submit” you are providing written instructions to WFS under the Fair Credit Reporting Act, which authorizes WFS to obtain information from your personal credit profile and/or other information from Consumer Reporting Agency. Upon your request, we will inform you of the name and address of any consumer reporting agency from which we obtained your consumer report.

When you submit this financing or loan application you understand Wittern Financial Services is relying on this information in extending credit and you warrant it to be true. Furthermore, you are authorizing Wittern Financial Services or any bank/and or trade bureau or other investigative agencies employed by Wittern Financial Services to investigate the references herein listed or other data obtained from me or any other person pertaining to my credit and financial responsibility. Submitting this application authorizes all parties contacted to release credit information requested, or its successors or assigns.

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