Security and Privacy
What we hold, who can see it, and what we can never do.
Consent and Control at Every Step
CreditRefPro handles sensitive identity, income, asset, credit, and repayment information.
Role-Based Access
Borrowers, lenders, employers, and administrators receive different access based on their responsibilities.
Borrower-Controlled Sharing
Borrowers authorize when their financial profiles and loan requests are made available to participating lenders.
Secure Authentication
Email verification, OTP confirmation, multi-factor authentication, and other controls protect sensitive actions.
Data Separation
Information is separated by user, organization, lender, employer, and authorized relationship.
Encryption
Sensitive information is protected in transit and at rest.
Audit Trails
Applications, offers, approvals, authorizations, deductions, payments, disputes, and changes are timestamped.
Data Correction
Borrowers can request correction of inaccurate information and track the result.
Security Monitoring
Security events are recorded, investigated, escalated, and resolved through controlled procedures.
Audit trails and data correction are not descriptions of intent. A borrower can read their own audit trail and their own consent records from their account, and entries cannot be edited or removed once written — by anyone, including us.
Ready when you are.
Create an account to see what you can afford, or sign in to pick up where you left off.