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provide by text message and pre-recorded or automated voice messages with updates about my application.","version":"20260306_09:47:50","category":"sms_consent","documentId":4176,"legalDocumentUuid":"745adc1a-3aa5-405d-afb8-a6415f6d0448","path":"/legal_consents?legal_document_id=4176","referral":true,"issuingBankName":null,"hideCheckbox":false},"regBIncomeDisclosure":{"trackLegalConsentPath":"/legal_consents/track","documentText":"Alimony, child support, or separate maintenance income need not be disclosed if you do not  wish to have it considered as a basis for repaying this obligation.\n","version":"20191001","category":"reg_b_income_disclosure","documentId":405,"legalDocumentUuid":"a268eb6f-f6bd-4079-8e34-d666adb09529","path":"/legal_consents?legal_document_id=405","referral":true,"issuingBankName":null},"entityCreditConsent":{"trackLegalConsentPath":"/legal_consents/track","documentText":"\u003cp class=\"center h4\"\u003eUpstart Authorization To Obtain Credit 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Any additional credit authorizations you provide later are separate from this one and do not replace or limit it. You may withdraw your consent for us to pull your credit report at any time by emailing us at \u003ca href=\"mailto:support@upstart.com\"\u003esupport@upstart.com\u003c/a\u003e or changing your permissions in the \u003ca href=\"/preferences\"\u003epreference center\u003c/a\u003e.\u003c/p\u003e","version":"20260223_11:10:10","category":"entity_credit_consent","documentId":4161,"legalDocumentUuid":"1cda5d9e-dad8-463d-94d1-d5d59349434e","path":"/entity_credit_consent?legal_document_id=4161","referral":true,"issuingBankName":null},"creditInsightsTermsAndConditions":{"trackLegalConsentPath":"/legal_consents/track","documentText":"**Credit Insights Program – Terms and Conditions**\r\n\r\nThe **Credit Insights Program** (“Program”) is provided by **Upstart Network, Inc.** (“Upstart”) pursuant to these Terms and Conditions, which may be amended from time to time. By enrolling in or using the Program, you agree to these Terms and Conditions. Participation in the Credit Insights Program is optional and is not required to apply for, be approved for, or receive particular terms on any Upstart-related credit product.\r\n\r\nUpstart may provide you with access, at no charge, to your credit score based on TransUnion® data. Your Credit Score is determined solely by information in your file at TransUnion, one of the three major consumer reporting agencies, using TransUnion or VantageScore’s proprietary models. Your Credit Score may differ from scores provided by other consumer reporting agencies or from scores used by other lenders for credit decisions.\r\n\r\nUpstart and TransUnion are independent third parties and are not responsible for each other’s services or products. Upstart makes no representation or warranty regarding the accuracy or completeness of any Credit Score or other information provided by TransUnion.\r\n\r\nUpstart is providing access to your Credit Score and related content **only for educational purposes and for your personal, non‑commercial use.** Upstart reserves the right to amend, cancel, change, discontinue, or suspend the Program or your access to it, in whole or in part, at any time in its discretion, with or without notice to you, and any such action is effective when determined by Upstart.\r\n\r\n**A. Enrollment in the Credit Insights Program**\r\n\r\nBy enrolling in the Program, you:\r\n\r\nUnderstand that viewing your Credit Score through the Program is a **soft inquiry and will not negatively impact** your credit score.\r\n\r\nIf you enroll in the Program, anyone who has valid access to your Upstart online account credentials may be able to view your Credit Score and related information. You are responsible for maintaining the security of your login credentials.\r\n\r\nYou may **unenroll** from the Program at any time using the controls provided in your Upstart account (for example, in account settings or the Credit Insights section). After unenrollment, your Credit Score and score history will no longer be available to you in the Program interface. If you later re‑enroll, your displayed score history may restart from the date of re‑enrollment, and prior history may not be visible in the Program.\r\n\r\nYou agree to enroll only yourself, not to impersonate any other person, and not to use another person’s email address, password, or phone number to access the Program. You certify that all information you provide to Upstart in connection with the Program will be true, accurate, current, and complete, and relates only to you. You agree to promptly update such information as necessary to keep it true, accurate, current, and complete.\r\n\r\n**B. Email, In‑Product, and Text Notifications**\r\n\r\nUpstart may send you **email, in‑product, or text notifications** related to the Program, which may include, for example:\r\n* Confirmation that you enrolled in or unenrolled from the Program;\r\n* Notifications that a new Credit Score is available;\r\n* The number of points the score increased or decreased\r\n* Notices about material changes to these Terms and Conditions or to the Program.\r\n\r\nSome alerts may be enabled automatically when you enroll. Where available, you may manage or turn off certain Program‑related alerts at any time through your Upstart account settings or notification preferences. Message and data rates from your mobile carrier may apply to SMS/text alerts.\r\n\r\n**C. Credit Score Display and Historical Information**\r\n\r\nIf a Credit Score is available from TransUnion, Upstart may display:\r\nYour current Credit Score as of the date provided by TransUnion; and\r\nSelected factors or categories that TransUnion or the score provider identifies as most significantly impacting that score.\r\n\r\nUpstart may also display a **limited score history** (for example, up to 12 months of prior scores) starting from your initial enrollment and continuing for as long as you remain enrolled and a score remains available. The exact look‑back period and presentation of historical data may change over time.\r\n\r\nA Credit Score may not be available in certain circumstances, including but not limited to:\r\n\r\n* Limited or insufficient credit history at TransUnion;\r\n* Inability of TransUnion to match your identity with a credit file;\r\n* Applicable legal, technical, or contractual limitations on TransUnion’s ability to provide a score at a given time.\r\n\r\nUpstart may limit or discontinue the display of Credit Scores or related information if you become ineligible for the Program, unenroll, close or lose eligibility for the underlying Upstart account, or if required by law, contract, or operational constraints.\r\n\r\nThe Program is **informational only** and does not replace any legally required disclosures (such as adverse action notices or risk‑based pricing disclosures) that Upstart may provide in connection with a specific application, account, or transaction.\r\n\r\n**D. Eligibility**\r\n\r\nEligibility criteria for the Program are determined by Upstart and may change over time. Without limiting the foregoing, in general:\r\n\r\n* You must be a **U.S. resident** (including, as applicable, U.S. territories) with a valid address on file with Upstart;\r\n* You must have an **eligible Upstart account or relationship** (for example, an Upstart‑hosted account associated with a loan, application, or credit‑consented profile);\r\n* You must have an active **credit consent** on file for Upstart.\r\n\r\nIf you become ineligible, unenroll, revoke the relevant credit consent, or your underlying Upstart relationship terminates or becomes inactive, your access to the Program and to any Credit Score history within the Program interface may be discontinued.\r\n\r\nUpstart may determine, in its sole discretion, that certain users or account types are not eligible for the Program, and may discontinue or suspend Program access at any time. Upstart reserves the right to amend, cancel, change, discontinue, or suspend the Program and/or your access to it, in whole or in part, at any time at Bank of America's discretion with or without notice to you, and any such action shall be effective as of the time Upstart determines.\r\n\r\n**E. About TransUnion and Credit Scores**\r\n\r\nTransUnion is one of the three major U.S. consumer reporting agencies that provide consumer credit reports and credit scores to businesses and consumers. Credit Scores based on TransUnion data are one tool that may help you understand aspects of your credit profile.\r\n\r\nThe Credit Score displayed in the Program:\r\n* Is created using a **proprietary scoring model** (for example, VantageScore® 3.0) owned by the score provider (such as VantageScore Solutions, LLC) and based solely on information contained in your TransUnion credit file at the time the score is calculated;\r\n* May **not reflect** accounts or information that are not reported to TransUnion, have been recently reported, or have been removed from your TransUnion file;\r\n* May differ from scores provided directly by TransUnion, by other consumer reporting agencies, or by other lenders using different scoring models or data.\r\n\r\nTransUnion and any score providers (such as VantageScore Solutions, LLC) are third parties not affiliated with Upstart. **Upstart makes no representation or warranty** regarding any Credit Score or other information provided by TransUnion, including its accuracy, \r\ncompleteness, timeliness, or suitability for any particular purpose.\r\n\r\n“TransUnion” and related marks are trademarks of TransUnion or its affiliates. “VantageScore” is a registered trademark of VantageScore Solutions, LLC. \r\n\r\n**F. Upstart Is Not a Credit Repair Organization or Financial Advisor**\r\n\r\nUpstart, TransUnion, and any score providers are not credit repair organizations as defined under federal or state law, including the Credit Repair Organizations Act, and are not providing:\r\n* “Credit repair” services,\r\n* Advice or assistance regarding “rebuilding” or “improving” your credit record, credit history, or credit rating, or\r\n* Legal, tax, or investment advice.\r\n\r\nThe Program and all related content are provided **only for educational purposes and your personal, non‑commercial use.** Upstart does not:\r\n* Guarantee any specific Credit Score outcome or improvement;\r\n* Provide personalized debt‑management, capital‑allocation, or investment strategies; or\r\n* Act as your fiduciary or financial advisor.\r\n\r\nIf you have questions or disputes about specific accounts or tradelines, Upstart may assist only with respect to accounts you hold with Upstart or its bank partners (for example, by directing you to existing dispute channels). For other accounts or items appearing on your TransUnion credit report, you must work directly with TransUnion and/or the relevant creditor.\r\n\r\n\u003cp\u003eParticipation in the program is subject to \u003ca href=\"https://www.upstart.com/terms\"\u003eUpstart's Terms of Use\u003c/a\u003e,  and \u003ca href=\"https://www.upstart.com/privacy_policy\"\u003ePrivacy Policy \u003c/a\u003e.\r\n\r\n\r\nLast Updated: May 28, 2026.\r\n\r\n\r\n\r\n\u003c/p\u003e","version":"20260527_14:29:14","category":"credit_insights_terms_and_conditions","documentId":4310,"legalDocumentUuid":"dc38fbc3-84d5-4864-a3c1-10c2581010dd","path":"/credit_insights_terms_and_conditions?legal_document_id=4310","referral":true,"issuingBankName":null}}},"legalLightBoxParams":{"legalDocuments":{}},"issuingBank":{"name":null,"slug":null,"bankLogo":"https://lending-partner-theme.aws.upstart.com/production/primary_logos/crb-1661268045.png"},"currentDate":"2026-06-08","complexIncomeDocWarningEnabled":false,"inDevelopmentEnvironment":false,"fffastEnabled":false,"autoSecuredPersonalLoanIneligibleStates":["Armed Forces Africa/Canada/Europe/Middle East","Armed Forces Americas","Armed Forces Pacific","Colorado","Connecticut","District of Columbia","Iowa","Maine","Maryland","Nevada","New York","Vermont","West Virginia","American Samoa","Guam","Northern Mariana Islands","Puerto Rico","U.S. Virgin Islands","Nevada","Connecticut","Colorado","Iowa","Maine","Maryland","Northern Mariana Islands","Puerto Rico","U.S. Virgin Islands","District of Columbia","American Samoa","Guam","New York","Vermont","West Virginia"],"experiments":{"defaultSmsOptInEnabled":false,"turndownPlaidAssetsEnabled":true,"reviewRedesignExperiment":true,"incomeStepOptimizationEnabled":false,"helocQuestionAndConsentEnabled":true,"autoSecuredPersonalLoanFundingFormQuestionEnabled":true,"inUofOtherTreatment":true,"fundingFormLoanAmountDisclaimer":{"funding_form_model_variant":"treatmentwithoutlink"},"skipNameStep":false,"eligibleForPrefill":false,"nonAffiliateConsentEnabled":true,"incomeModalIaEnabled":true,"removeSSNBeforeGR":false,"inAddressVerification":false,"inProgressTracker":false,"inAdvancedPhoneValidation":true,"inPartnerApiTrafficFFStepsTreatment":false,"inNoCreditImpactTreatment":true,"fastTrackVariant":"control","mintRedesignVariant":"mintCopy","progressBarImprovementVariant":"control","inLoginRedirect":false,"neuroIdEnabled":true,"inSweepstakes":false},"maxedOutStatesProp":["Iowa"],"helpCenterLink":"https://upstarthelp.upstart.com/en_US/borrower-verification/soft-vs-hard-credit-inquiries-what-you-need-to-know","isEmailCaptureFlow":true,"deviceFingerprintEnabled":true,"maxedOutStatesUrl":"/funding_form/get_maxed_out_states_for_pl","hideExperimentForm":false,"chatbotExperimentEnabled":false,"submitPath":"/create_from_upstart_basic_signup","pqs_lead_uuid":null,"affiliateDataSharingOptIn":true,"helocMinLoanAmount":10000,"helocCrossSellStates":["Alabama","Alaska","Arizona","Arkansas","California","Colorado","Connecticut","Delaware","District of Columbia","Florida","Georgia","Idaho","Illinois","Indiana","Iowa","Kansas","Kentucky","Louisiana","Maine","Michigan","Mississippi","Montana","Nebraska","New Hampshire","New Jersey","New Mexico","North Carolina","North Dakota","Ohio","Oklahoma","Oregon","Pennsylvania","South Carolina","South Dakota","Tennessee","Utah","Virginia","Washington","West Virginia","Wisconsin","Wyoming"],"loanType":"initial","webClientUuid":"ecf0aa2d-1700-43b0-89b8-0ff35ec4635a","signupPrefiller":{},"inSweepstakes":false}