Fair Credit Reporting Act (FCRA) Policy

Last Updated: 8/6/26

By submitting a loan request or requesting pre-approval with Premier Title Loans, you consent to providing written authorization under the Fair Credit Reporting Act (FCRA). This authorization allows Premier Title Loans, as well as any lenders or brokers involved in processing your request, to obtain and review your consumer credit report, credit score, and other relevant information from one or more consumer reporting agencies. Most title loan lenders don’t require a strong credit score, but they may still pull a report to verify your identity and confirm you can afford the payments.

This information is used to provide lending quotes, determine pre-approval eligibility, verify your identity, prevent fraud, and make lending-related decisions. You understand that lenders and partners may review your credit information to determine whether to approve a loan, the loan amount, applicable terms, or other conditions.

You also agree that Premier Title Loans and its service providers may utilize third-party services to collect, access, and verify information about you.

Pre-approval offers, if provided, are not a guarantee of loan approval. Final loan approval is subject to additional verification, underwriting requirements, vehicle valuation, and state laws.

Soft and hard credit pulls: Getting a quote or pre-approved for a title loan usually involves a soft inquiry, which does not affect your credit score. If you move forward with a specific lender, they may run a hard inquiry before funding your loan, and that can lower your score by a few points. Ask your lender which type they use before you agree to anything.

If your application is denied, or if credit information is used, in whole or in part, to make an adverse decision (including offering different terms), you will be notified in accordance with the Fair Credit Reporting Act. You have the right to obtain a free copy of your consumer report from the reporting agency used in the decision and to dispute any inaccuracies or incomplete information directly with that agency.

For more details about your rights under the Fair Credit Reporting Act, please visit the following websites:

Federal Trade Commission (www.ftc.gov)

Consumer Financial Protection Bureau (www.consumerfinance.gov)