Why we ask for your Social Security number. Our lending partners cannot obtain a credit report or verify your identity without it. It is sent over an encrypted connection, is kept encrypted in our systems, and is used only to submit this credit request to finance sources and to verify your identity. We will never ask you for it by email or text.
Authorization to obtain a consumer report. By signing below you authorize Friendly Motor Group and its lending partners to obtain your consumer credit report and to verify the information you have given, for the purpose of evaluating this credit request and any later transaction or collection relating to it. You understand a credit report may be obtained more than once in connection with this request.
Identity verification. Federal law requires all financial institutions to obtain, verify and record information identifying each person who applies for credit. We will ask for your name, address, date of birth and other information, and may ask to see your driver’s license or other identifying documents.
Equal Credit Opportunity Act notice. The federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to enter into a binding contract); because all or part of the applicant’s income derives from any public assistance program; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act.
Married applicants. If you are married, you may apply for credit in your own name. You are not required to apply jointly with your spouse. If you apply for individual credit, we will not ask about your marital status except where the law allows.
If your application is declined. If credit is not extended, you have the right to a written statement of the specific reasons, on request made within 60 days of being told of the decision. You also have the right to a free copy of any consumer report used, and to dispute anything in it you believe is inaccurate.
Accuracy, and what this is not. You certify the information you have given is true and complete. Submitting this application creates no obligation on either side. It is not an offer or a commitment to lend and does not guarantee approval or any particular terms. Credit is subject to approval by a lender.
Questions or complaints (Texas). This credit transaction is regulated by the Texas Office of Consumer Credit Commissioner (OCCC). For questions or complaints about Friendly Motor Group, contact the OCCC at 2601 North Lamar Boulevard, Austin, Texas 78705-4207, by phone at 800-538-1579, by fax at 512-936-7610, or at occc.texas.gov. You may also ask us for a copy of our privacy practices at any time.
Electronic signature. By ticking the box you agree that your electronic signature on this form has the same effect as a handwritten one, and that we may keep this application and these notices in electronic form. You may ask us for a paper copy.
This wording follows the pattern common to Texas retail credit applications. It is not legal advice and has not been reviewed by counsel for this dealership.
