Data Collection on the RISE Credit Website

This page explains, in general terms, the information involved when you use the RISE Credit website or apply for a loan. The privacy policy addresses sharing and choices. Your application and any Loan Agreement provide the information relevant to a particular transaction.

1. Information You Provide

To apply, you need a valid checking account, an email address, and income that meets the applicable requirement. You may also enter other information requested in the application so that eligibility and an offer, if available, can be assessed. Review entries before submitting them.

Information you send through customer support may concern a complaint, payment issue, account problem, or declined application. Give enough detail to explain the issue through the official channel. Avoid including information in an ordinary message when a secure application or account process asks you to submit it there instead.

Keep copies of documents and confirmations that matter to you. If you discover an error in information you submitted, contact support to ask how to address it. Do not assume that changing one field on a page updates an already submitted application.

2. Information Used for Verification and Credit Review

Eligibility and application review can involve information from credit and verification sources. Checking eligibility or prequalifying uses a soft inquiry that does not affect your FICO score, subject to conditions. A hard inquiry is placed when you are approved and accept the loan, and some applicants may see a hard inquiry with Clarity when they apply.

Those inquiries have different roles in the process. Read the disclosures shown during the application to understand what information is being requested and when an inquiry may occur. Our application guide explains the sequence in more detail.

Payment history is reported to one or more credit bureaus. On-time payments can help build credit history, while late or missed payments can hurt your credit rating. This is relevant to information that can arise after a loan is accepted as well as during application review.

3. Website Activity

A website can receive technical information needed to display pages and operate its features, such as requests from a browser. This page does not specify a particular tracking tool, cookie category, or retention period. Review any notices presented when a website feature asks you to make a choice.

When you navigate from an educational page to an application, pay attention to the information requested at each step. A general article may be read without making a loan decision; an application calls for personal information and separate review.

Use the official risecredit.com address before entering sensitive information. Our guide to imitation lender websites describes how to check an unfamiliar link.

4. Use of Submitted Information

Information supplied in an application is used in the process of checking eligibility and considering an offer. Contact information is needed to communicate with you about a request or account. Information supplied in a support message helps the team understand the issue raised.

These descriptions explain the purpose at a high level. The exact notices and authorizations presented to you during a transaction deserve careful review. Do not treat this page as a substitute for consent language shown when you enter information.

An accepted loan is governed by the Loan Agreement with the lender named in it.

5. Reviewing and Asking Questions

Read each request for information before you submit it. If the purpose of a field or an inquiry is unclear, pause and ask through RISE Credit customer support. Keep a copy of any notices or agreement you accept.

The privacy policy is the place to review how information sharing and choices are described. The electronic consent page addresses electronic records and communications. These subjects are related, but each answers a different question.

Do not infer that a field is optional or required from this overview. Follow the instructions shown in the actual application, and ask support if you cannot tell why information is requested. A general description of information categories does not replace a transaction-specific notice or authorization.