The simplest legal reason to check someone's credit is that they said yes in writing. Here's a copy-ready consent template, what each line is for, and how to collect consent by text, email or e-signature without making it awkward.
Most credit score API evaluations focus on the demo and skip the parts that hurt later: which score you actually get, what a no-hit costs, and how consent is recorded. Here's the checklist we'd use.
Most walkaways start at the desk, when a buyer learns their payment after an hour on the lot. A soft-pull pre-qualification moves the credit conversation to the first five minutes, without dinging anyone's score.
Net-30 is a loan with an invoice attached. Here's when a credit check is worth doing, what to look at for sole proprietors and small companies, how to turn a score into a credit limit, and the paperwork that keeps it clean.
You can legally look up someone's credit score when the law gives you a reason to, and the simplest reason is their OK. Here's where the line sits, with real scenarios, the actual penalties, and how to get consent right.
Most loan leads arrive as a name and a phone number, and half the name is usually misspelled. Here's how lenders turn that phone number into a soft-pull pre-qualification, with the borrower's OK, before the first callback.
The FCRA lists a handful of reasons you're allowed to pull someone's credit. What each one means in real life, which one fits your situation, and the simple record that protects you if anyone asks.
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