Consent Illustrations
Lead Generation - Appointment Confirmation - Dealer Agreement - Rehash
Standard Form Disclaimer: (no hyperlink available)
Example 1:
By submitting this form, I am providing written permission and instruction to order a copy of my credit report and attributes to advise me on the availability of home improvement funding opportunities.
Example 2:
By submitting this form, I give my electronic signature, and consent to be contacted at the phone number above, including by text msg. autodialer or pre-recorded msg, and written permission under FCRA to perform a soft credit inquiry to discover if a special funding program is available for my project. This is not an application for credit. Consent is not required for purchase. Msg. & data rates may apply.
Electronic Form Disclaimer: (hyperlink embedded)
Example 1:
By submitting this form, I accept and acknowledge receipt of [YOUR COMPANY NAME] privacy policy or terms and conditions [link], give my electronic signature, and authorize [YOUR COMPANY NAME] to confirm my identity and gather information about me and my background that will allow [YOUR COMPANY NAME] to advise me on the availability of home improvement funding opportunities.
Example 2:
By submitting this form, I accept [your Company name] privacy policy and/or terms and conditions [link], give my electronic signature, and consent to be contacted at the phone number above, including by text msg. autodialer or pre-recorded msg, and to perform a soft credit inquiry to discover if a special funding program is available for my home improvement project. This is not an application for credit. Consent is not required for purchase. Msg. & data rates may apply.
Privacy Policy/Terms and Conditions Disclaimer
Example 1:
By accepting the terms of this policy, You are giving written instructions to order a copy of your credit report and/or attributes to advise you on the availability of home improvement funding opportunities. This is not an application for credit. When we process your information based on your consent, You may not withdraw Your consent retroactively once Your information is processed. You may withhold future consent to conduct additional future processing of Your information by providing express written instructions.
Example 2:
We may ask you for the following types of information: contact information (such as name, address, phone number, and email address); sensitive information (such as date of birth, driver's license number and social security number); personal information to verify your identity and financial information (such as credit card number). This information is required in order to verify your identity, advise you on funding options, charge you the agreed upon fees for our products and services, and to fulfill our obligation to provide our products and services to you, including communicating with third parties as necessary to provide such products and services, such as identification verification companies, consumer reporting agencies, payment validation companies, law enforcement agencies, or others.”
Work Agreement
Example 1:
I give written instructions under the FCRA to order a copy of your credit report and/or attributes from Paperoute to advise you on the availability of home improvement funding opportunities and permission for my information to be given to a third party lender, if applicable. When we process your information based on your consent, You may not withdraw your consent retroactively once your information is processed. You may withhold future consent to conduct additional future processing of your information by providing express written instructions.
Adding this language into your agreements will allow you to perform a soft pull after the agreement is signed.
Use cases:
Internal finance team submits credit apps (POPULAR)
Will a deposit be required for this customer?
Dealer (self) financing of customer
Rehash
Inbound/Outbound/Confirmation Scripts:
"In order to help you explore the best financing options, we can perform a soft credit check with your permission. This won’t impact your credit score in any way—it simply provides us with the information needed to give you the best available options. Sound good?"
__________
“To discuss home improvement funding opportunities, do you authorize us to pull necessary background & credit information so we can share with you those options with you?”
__________
“With your permission to receive soft credit information, we can present specific home improvement funding options during the appointment. Would you like us to discover now if a special funding program is available for your project?”
__________
“The goal of this visit is to answer all of your questions, present the available options for your project, and provide the exact price... Down to the penny.
With your permission, we can receive credit information before the appointment to discuss our several home improvement funding options at no risk to you. Most of our customers prefer to learn about our promotional or installment plans compared to the local banks... Or, having to pay cash. Does this sound good?”
__________
"To do that, we’d need your consent to run a soft credit check. This won’t impact your credit score at all; it just gives us a glimpse into certain aspects of your credit so we can tailor our recommendations for you. Would that be okay with you?"
__________
"To better understand what financing options might be available for you, we can run a soft credit check. This won’t affect your credit score, but it will allow us to tailor our recommendations to your situation. Would you be comfortable with that?"
__________
“Many of our clients prefer to hear about our promotional financing options AND have the appointment go as smoothly and quickly as possible. We can save you time and present your available financing options by obtaining some basic credit information before we come out. Does that sound good to you?"
Rebuttals:
If the Consumer Asks About Privacy or Impact on Credit Score:
"I completely understand your concern. Just to reassure you, this is a soft credit check, which means it won’t show up on your credit report or affect your credit score in any way. It’s purely to help us find the best options for you."
If the Consumer Asks About What Information Will Be Viewed:
"We’ll be looking at a few key credit attributes—like your credit score range and a couple of other factors—that lenders typically use. It’s all done securely and privately."
Rehash Finance Decline: (no prior consent)
Hi, my name is ____________ and I'm with (company name). I was reaching out because we had come out recently and given you a quote on your ________ project, but it doesn’t look like we could secure financing for your project. I wanted to let you know we just brought on a new trade partner and we would like to try and earn your business again. We aren't asking for any more of your time as we won't need to set up another consultation appointment. All we ask is for permission to receive the necessary background & credit information to see if you are a good fit...as long as you are interested in the project of course?
Any examples provided are illustrative only. Members are solely responsible for the accuracy, content, and legal soundness of securing consent from Consumers per the Paperoute terms and conditions
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