Credit Authorization Agreement

You consent, agree and authorize Next.next.billdoctor.org, its Providers and/or its or their respective agents (collectively, "we," "us" or "our") to obtain your credit profile via a soft credit check from one or more consumer reporting agencies, including but not limited to TransUnion, Experian, Equifax, Universal Credit Services, or others. You acknowledge that we may use the credit report for any purpose permitted by law, including (i) for authentication purposes, to make sure you are who you say you are, (ii) to assess your eligibility for financial services and products; (iii) to determine what debts you currently have, and (iv) to obtain information and characteristics from your credit report from one or more consumer credit reporting agencies and third-party data furnishers.

When you click "SUBMIT" via the Next.next.billdoctor.org/lower-payments/steps contact information step, we perform a soft inquiry on your credit report, which won't impact your credit score.