As a consumer, you have the right to dispute a credit card charge, whether it was posted in error, is fraudulent, or the merchant didn’t provide satisfactory goods or services. If possible, it’s best to try to work out the issue first with the seller or merchant directly. But if that isn’t successful, you can move forward with disputing a credit card charge. Read on to learn how to dispute a credit card charge, as well as when you may be able to do so.
Related: Guide to credit card charge offs
What Does It Mean to Dispute a Credit Card Charge?
A credit card dispute is when a consumer requests that their credit card company remove an incorrect or fraudulent charge from their bill. For instance, you may dispute a charge on a credit card if you were billed by a merchant for an incorrect amount, or if your credit card company incorrectly posted a payment you made. It isn’t a way to negotiate credit card debt or express dissatisfaction.
When you dispute a credit card charge, the credit card company will launch an investigation into the matter. From there, you will either receive a refund for the disputed amount or an explanation of why the request was denied.
When Can You Dispute a Credit Card Charge?
According to the Fair Credit Billing Act (FCBA), you have the right to dispute charges in the case of any of the following:
- Unauthorized credit charges
- Charges listing the wrong date or amount
- Charges for goods or services you didn’t accept or that weren’t delivered as agreed
- Math errors
- Failure to post payments or other credits, such as returns
- Failure to send bills to your current address
- Charges for which you ask for an explanation or written proof of purchase, along with a claimed error or request for clarification
You typically need to file a dispute within 60 days of the transaction. However, the time frame may vary depending on the type of dispute. For example, billing errors and unsatisfactory or incomplete services must be reported within 60 days from the statement date, while fraudulent charges have a longer time frame for reporting.
Unauthorized Credit Card Charges
If an unauthorized charge is made with your credit card, you can dispute the credit card charge. Contact your credit card company immediately and also investigate whether your credit card information was compromised. Most major credit card payment networks offer a $0 liability feature on their credit cards. This means that they will waive a fraudulent or unauthorized credit card charge, as long as you report the fraud within two billing cycles. Additionally, federal law limits your liability for unauthorized charges to $50.
Billing Errors
The FCBA settlement procedures only apply to disputes about “billing errors.” However, the FCBA settlement considers billing errors to include many things, such as:
- Unauthorized charges
- Charges that list the wrong date or amount
- Charges for goods and services you didn’t accept or that weren’t delivered as agreed
- Math errors
- Failure to post payments and other credits
- Failure to send bills to your current address
- Charges for which you ask for an explanation or written proof of purchase along with a claimed error or request for clarification
In any of these instances, you can dispute charges by writing a letter to your credit card issuer. Make sure to include supporting evidence, and hang on to a copy of the letter for your own records.
Wrong Date
If a charge on your credit card lists the wrong date, you have the right to dispute the charge.
Wrong Amount
If a charge on your credit card is in the wrong amount, you can file a dispute to correct this.
Issue With Goods and Services
Disputes about the quality of goods and services aren’t considered “billing errors,” which means that the dispute procedure doesn’t apply. However, if you have an issue with goods or services that you paid for with a credit card, you can still dispute the charge under state law. Before you do so, you must make a good faith effort to resolve the dispute with the seller first. Additionally, the charge must be for more than $50 and it must have been made within 100 miles of your billing address.
Math Error
If there are math errors with any of the charges on your credit card, you can file a dispute. For instance, this could include an incorrect totaling of your charges owed in a month. This is why understanding a credit card statement is important.
Improperly Posted Payment
If your credit card doesn’t properly post payments or other credits, like a return, you can file a dispute for this missing payment or credit.
Incorrect Mailing Address Used
If your credit issuer doesn’t send your bill to your current address, you can file a dispute, as long as the creditor received your change of address in writing at least 20 days before the billing period ended. Be sure to send notification of your change of address to your credit issuer with enough time for them to mail your bill to your new address.
Written Proof of Purchase
You can also file a dispute for charges for which you’ve asked for an explanation or written proof of purchase, along with a claimed error or request for clarification.
Can I Dispute a Credit Card Charge That I Willingly Paid For?
You can dispute a credit card charge for a purchase that you willingly paid for. You could do this for a variety of reasons, including if services were not rendered or if you were dissatisfied with the services rendered.
When Should You Dispute a Charge on a Credit Card?
To have your dispute protected by federal law, you generally must file the request within 60 days of the date that you received the bill with the charge in question. The only exception to this is fraud-related disputes, which have an unlimited time frame for disputes.
Disputing a Credit Card Charge
The specifics of disputing a credit card charge depends on the type of issue, such as whether it was a billing error, a fraudulent charge, or an issue with a good or service. In general, however, you can expect to go through the following process to dispute a credit card charge.
1. Contact the Creditor
For any type of credit card dispute, the first step is to contact the creditor. The only exception is if you have an issue with a good or service, in which case you should first try to resolve the issue directly with the seller or merchant first. If you’re unsuccessful, you can initiate a chargeback directly with the credit card company.
You can file the dispute with the creditor by mail, email, phone, or online, depending on the type of issue it is. Because disputes for billing errors are regulated by the FCBA, for instance, you’ll have to use the Federal Trade Commission’s (FTC) sample letter. You’ll need to mail it to the credit card issuer’s billing inquiries department within 60 days of the error posting to your credit card statement.
When disputing a charge, whether it’s a billing error or fraud, make sure to include any supporting documentation that the creditor may find helpful.
2. Wait for the Charges To Be Investigated
After you file a dispute, the creditor must send you a letter acknowledging the dispute within 30 days. The dispute must be settled within 90 days after the creditor receives your dispute notification. While the charges are being investigated, you don’t have to pay the disputed charges. However, you are responsible for paying the rest of your bill.
3. Receive a Refund or a Written Letter of Explanation
If the creditor determines the charge is an error, you will get a refund for the charge, including any related interest charges or late fees. On the other hand, if the creditor rules that you owe the money, you will receive a written letter explaining why. You will have to pay the full amount in dispute, plus any interest.
4. Continue to Monitor Your Credit
After any credit card dispute is resolved, you should continue to monitor your credit. This is especially true if the charge was fraudulent or unauthorized. Credit monitoring services can help to quickly alert you to any potential issues on your credit cards. Also take the time to make sure that only authorized credit users have access to your credit card information. If you do notice any further issues, make sure to contact your credit card issuer immediately.
Dispute a Credit Card Charge Sample Letter
The FTC has a sample letter that you can use when disputing a credit card charge. This letter includes basic information such as your name and address, as well as the amount of the charge you are disputing and your explanation for why you’re disputing a credit card charge. You’re also asked to detail any supporting documentation that you’re sending alongside the letter, such as sales slips or payment records. Make sure to only send copies of these documents and to keep the originals.
Before you send the letter, make a copy that you can keep for your own records.
How Much Does It Cost to Dispute a Credit Card Charge?
Disputing a credit card charge shouldn’t cost you any money. However, if the charge is deemed your responsibility after the investigation, you will need to pay for the charge, plus any interest on it.
Will I Get My Money Back If I Dispute a Charge?
During the investigation of the disputed charge, you will not receive any money, but you also will not owe money for the charge. If the charge is determined to be an error, you’ll get your money back, plus any interest charges or late fees related to the charge. If the charge is determined to be your responsibility, on the other hand, you will not receive any money back and will have to pay the full amount, plus any interest.
Does Disputing a Charge Impact Credit Score?
The act of disputing a credit card charge itself doesn’t have an impact on your credit score. A record of a credit card dispute may appear on your credit report, but it is illegal for lenders to deny you credit based on the fact that you’ve disputed a charge.
What could affect your credit score, however, is any unpaid credit card bill during the dispute process. While you are not required to pay for the charges that are in dispute while they’re under investigation, you do have to pay the rest of your credit card bill. Not paying the rest of your credit card bill can negatively affect your credit. And if the investigation determines that you are responsible for the disputed charge, you have to pay that charge on your bill as well.
If the disputed charge or charges are large and constitute a significant portion of your credit limit, this could also negatively affect your credit as well. This is because your credit utilization ratio will be high. Even though this will be resolved, it can still affect your credit temporarily.
Once it is resolved, either through a refund or by you paying the charge, it should improve your credit score.
Contacting Major Card Issuers
If you’re attempting to contact the major card issuers, here are their mailing addresses:
Additionally, you can generally send information to your credit card issuer regarding your dispute by fax or online through their website.
Should You Get Another Credit Card If Disputing the Charge Fails?
If your dispute fails, you don’t need to get another credit card. You will simply have to pay the charge you’d disputed, plus any interest. If you disagree with your credit card issuer’s explanation for denying the dispute, you can appeal the decision.
The Takeaway
From a billing error to a fraudulent charge, there are a number of reasons why you might dispute a credit card charge. The process of disputing a credit card charge generally involves reaching out to your credit card issuer and providing an explanation and any supporting documentation. From there, an investigation will take place and you’ll either get a refund or a letter explaining why the request was denied.
Learn More:
This article originally appeared on LanternCredit.com and was syndicated by MediaFeed.org.
Lantern by SoFi:
This Lantern website is owned by SoFi Lending Corp., a lender licensed by the Department of Financial Protection and Innovation under the California Financing Law, license number 6054612; NMLS number 1121636. (www.nmlsconsumeraccess.org)
All rates, fees, and terms are presented without guarantee and are subject to change pursuant to each provider’s discretion. There is no guarantee you will be approved or qualify for the advertised rates, fees, or terms presented. The actual terms you may receive depends on the things like benefits requested, your credit score, usage, history and other factors.
*Check your rate: To check the rates and terms you qualify for, Lantern and/or its network lenders conducts a soft credit pull that will not affect your credit score. However, if you choose a product and continue your application, the lender(s) you choose will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit.
All loan terms, including interest rate, and Annual Percentage Rate (APR), and monthly payments shown on this website are from lenders and are estimates based upon the limited information you provided and are for information purposes only. Estimated APR includes all applicable fees as required under the Truth in Lending Act. The actual loan terms you receive, including APR, will depend on the lender you select, their underwriting criteria, and your personal financial factors. The loan terms and rates presented are provided by the lenders and not by SoFi Lending Corp. or Lantern. Please review each lender’s Terms and Conditions for additional details.
Many factors affect your credit scores and the interest rates you may receive. SoFi is not a Credit Repair Organization as defined under federal or state law, including the Credit Repair Organizations Act. SoFi does not provide “credit repair” services or advice or assistance regarding “rebuilding” or “improving” your credit record, credit history, or credit rating. For details, see the FTC’s website on credit (https://consumer.ftc.gov/credit-loans-debt)
Financial Tips & Strategies: The tips provided on this website are of a general nature and do not take into account your specific objectives, financial situation, and needs. You should always consider their appropriateness given your own circumstances.
Personal Loan:
SoFi Lending Corp. (“SoFi”) operates this Personal Loan product in cooperation with Even Financial Corp. (“Even”). If you submit a loan inquiry, SoFi will deliver your information to Even, and Even will deliver to its network of lenders/partners to review to determine if you are eligible for pre-qualified or pre-approved offers. The lenders/partners receiving your information will also obtain your credit information from a credit reporting agency. If you meet one or more lender’s and/or partner’s conditions for eligibility, pre-qualified and pre-approved offers from one or more lenders/partners will be presented to you here on the Lantern website. More information about Even, the process, and its lenders/partners is described on the loan inquiry form you will reach by visiting our Personal Loans page as well as our Student Loan Refinance page. Click to learn more about Even’s Licenses and Disclosures, Terms of Service, and Privacy Policy.
Personal loan offers provided to customers on Lantern do not exceed 35.99% APR. An example of total amount paid on a personal loan of $10,000 for a term of 36 months at a rate of 10% would be equivalent to $11,616.12 over the 36 month life of the loan.
Student Loan Refinance:
SoFi Lending Corp. (“SoFi”) operates this Student Loan Refinance product in cooperation with Even Financial Corp. (“Even”). If you submit a loan inquiry, SoFi will deliver your information to Even, and Even will deliver to its network of lenders/partners to review to determine if you are eligible for pre-qualified or pre-approved offers. The lender’s receiving your information will also obtain your credit information from a credit reporting agency. If you meet one or more lender’s and/or partner’s conditions for eligibility, pre-qualified and pre-approved offers from one or more lenders/partners will be presented to you here on the Lantern website. More information about Even, the process, and its lenders/partners is described on the loan inquiry form you will reach by visiting our Personal Loans page as well as our Student Loan Refinance page. Click to learn more about Even’s Licenses and Disclosures, Terms of Service, and Privacy Policy.
Student loan refinance loans offered through Lantern are private loans and do not have the debt forgiveness or repayment options that the federal loan program offers, or that may become available, including Income Based Repayment or Income Contingent Repayment or Pay as you Earn (PAYE).
Notice: Recent legislative changes have suspended all federal student loan payments and waived interest charges on federally held loans until 08/31/22. Please carefully consider these changes before refinancing federally held loans, as in doing so you will no longer qualify for these changes or other future benefits applicable to federally held loans.
Auto Loan Refinance:
Automobile refinancing loan information presented on this Lantern website is from Caribou. Auto loan refinance information presented on this Lantern site is indicative and subject to you fulfilling the lender’s requirements, including: you must meet the lender’s credit standards, the loan amount must be at least $10,000, and the vehicle is no more than 10 years old with odometer reading of no more than 125,000 miles. Loan rates and terms as presented on this Lantern site are subject to change when you reach the lender and may depend on your creditworthiness. Additional terms and conditions may apply and all terms may vary by your state of residence.
Secured Lending Disclosure:
Terms, conditions, state restrictions, and minimum loan amounts apply. Before you apply for a secured loan, we encourage you to carefully consider whether this loan type is the right choice for you. If you can’t make your payments on a secured personal loan, you could end up losing the assets you provided for collateral. Not all applicants will qualify for larger loan amounts or most favorable loan terms. Loan approval and actual loan terms depend on the ability to meet underwriting requirements (including, but not limited to, a responsible credit history, sufficient income after monthly expenses, and availability of collateral) that will vary by lender.
Life Insurance:
Information about insurance is provided on Lantern by SoFi Life Insurance Agency, LLC. Click here to view our licenses.
More from MediaFeed:
What happens to your personal loans when you die?
What happens to personal loans when the borrower dies? This answer may not be as straightforward as you might think.
Here’s some context. In this post, the term “personal loans” goes beyond the type of installment loan known as a “personal loan” and encompasses loans taken out by a person or people rather than by businesses. It is a complex subject with laws varying by state.
According to the Federal Trade Commission, debts do not in general go away because the debt holder has died. Typically, the debts are paid from the estate of the deceased person.
An estate includes the person’s real estate, cash, financial investments, vehicles and other assets. If there isn’t enough money in the estate, the debts often go unpaid although there are exceptions where someone else is personally responsible for the debt.
Related: Can you use your spouse’s income for a personal loan?
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If someone has a will, it should list an executor. The executor is responsible for paying the deceased person’s debts out of the assets in their estate among other duties. If there isn’t a will, the court may appoint someone as executor or state law may contain a process in which someone becomes responsible for debt settling.
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State laws vary on how debt payments must be prioritized. Most commonly, funeral expenses are first, followed by estate administration costs and then taxes and medical bills. It’s important to seek guidance about state laws where the deceased person lived.
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In community property states, a spouse may be personally responsible for outstanding debts and, in some states, other laws exist that make a spouse responsible for certain types of debts, such as healthcare expenses.
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People who can inherit debt include the following.
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If you cosigned for someone’s debt and that person dies, you are typically responsible for that debt. This is not usually the case if you’re an authorized user on an account, such as a credit card.
If a debt collector tells you that you were a cosigner, but you believe that you were an authorized user only, the Consumer Financial Protection Bureau notes that you can ask the debt collector for evidence.
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The situation for jointly held debt owners is similar to that for cosigners. If you were on a joint account with someone who passed away, you remain an account holder and will likely be responsible for debt payments.
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If you were in a position where you were legally responsible for handling the debt, such as an estate’s executor and you didn’t follow proper procedures, you might find yourself legally obligated to pay the debt.
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As noted, spouses living in community property states may be required to pay off a deceased spouse’s debts through commonly held assets. Community property states include Arizona, California, Idaho, Louisiana, Nevada, New Mexico, Texas, Washington and Wisconsin—and Alaska, if spouses chose this method of property owning.
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The type of debt can play a role in how it’s handled. Loan types include the following.
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Cosigners and joint credit card holders will almost certainly be held responsible for credit card debt. If the deceased person had an individual account, then it would largely depend upon whether they lived in a community property state or not.
In a community property state, credit card debt is considered to be jointly held. In common law property states, the debt shouldn’t typically pass on to someone else.
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First, some context: Mortgages typically have a due on sale clause that means the loan must be paid in full before ownership can change hands; this isn’t applicable, though, if it’s transferred to an heir after a borrower’s death. (As with other kinds of debt, cosigners and co-borrowers would still owe the debt.)
If someone else inherits the house and is not a cosigner or co-borrower, then federal law allows the beneficiary to take over the mortgage—and the mortgage servicer must allow that, even if the person would not typically qualify for that mortgage loan.
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If someone inherits a home where there is a balance on a home equity loan, that debt is typically inherited, as well. If multiple heirs each inherit a share of the home, the situation becomes more complicated and you may want to get legal advice, especially if there is disagreement among heirs about how to proceed.
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In general, the deceased’s estate will pay for medical bills with exceptions, including when there is a cosigner or it’s a community property state. More than half of the states also have something called filial responsibility laws. This means that adult children can be held responsible for supporting their parents who can’t afford to support themselves. This law is rarely enforced but is worth noting.
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Car loans should generally be paid off by the estate. If there aren’t enough funds (and there’s no co-signer and it’s outside of a community property state), then the person inheriting the vehicle can make payments. If that doesn’t happen, then the lender may repossess the vehicle, sell it, and return any excess funds over the outstanding loan amount to the estate.
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Federal student loans will be discharged (considered paid in full) on the date of the borrower’s death. This applies to federal loans taken out by the student as well as parent PLUS loans taken out by a student’s parent.
Private lenders, however, are not legally required to cancel student loans upon death, so the executor should check the agreement to see what terms and conditions are.
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Personal loans also pass onto the estate where they can be paid through the deceased person’s assets. Cosigners/co-borrowers/spouses in a community property state can still be liable for that debt. (Here’s more information about what a personal loan is and the different types of personal loans.)
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In this section, we’re once again using the term “personal loans” to mean a non-business debt, which may or may not be a personal loan as the phrase is typically used.
If the debt is on record, meaning that there is a contract involved, the borrower would typically still owe the money. It would become an asset in the deceased person’s estate and there could still be consequences for the borrower if the debt is not paid.
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You can ask to see a copy of the contract, which would allow you to see the specifics of a loan agreement.
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If a transfer of money occurs with the expectation of repayment, that is considered a loan that should be paid back. If there is a question about whether something was intended as a loan or as a gift, from a legal standpoint, there should be evidence that can be presented to show that it was a loan. If there isn’t enough evidence, the court will often consider it a gift.
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Why get a personal loan? There are plenty of reasons to apply for a personal loan, including to pay legal expenses associated with estate planning. These loans can be unsecured or secured (collateralized loans). If it’s the latter, here’s what can be used as collateral for a personal loan. These installment loans come with a specified interest rate and term with payments calculated so that you pay it off in full during the loan’s term. If you find that you didn’t need as long of a term, here’s information about paying personal loans early.
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In general, when a borrower dies, the situation is handled through the person’s estate, with cosigners, co-borrowers and spouses in community property states having responsibility for most kinds of debts. When a lender dies, the borrower typically still owes the money. Individual situations can become quite complex, so it makes sense to reach out for legal help
.
You can compare rates for personal loans at Lantern by SoFi.
Learn More:
This article
originally appeared on LanternCredit.comand was
syndicated by MediaFeed.org.
The tips provided on this website are of a general nature and do not take into account your specific objectives, financial situation, and needs. You should always consider their appropriateness given your own circumstances.
Lantern by SoFi:
This Lantern website is owned by SoFi Lending Corp., a lender licensed by the Department of Financial Protection and Innovation under the California Financing Law, license number 6054612; NMLS number 1121636. (www.nmlsconsumeraccess.org)
All rates, fees, and terms are presented without guarantee and are subject to change pursuant to each provider’s discretion. There is no guarantee you will be approved or qualify for the advertised rates, fees, or terms presented. The actual terms you may receive depends on the things like benefits requested, your credit score, usage, history and other factors.
*Check your rate: To check the rates and terms you qualify for, Lantern and/or its network lenders conducts a soft credit pull that will not affect your credit score. However, if you choose a product and continue your application, the lender(s) you choose will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit.
All loan terms, including interest rate, and Annual Percentage Rate (APR), and monthly payments shown on this website are from lenders and are estimates based upon the limited information you provided and are for information purposes only. Estimated APR includes all applicable fees as required under the Truth in Lending Act. The actual loan terms you receive, including APR, will depend on the lender you select, their underwriting criteria, and your personal financial factors. The loan terms and rates presented are provided by the lenders and not by SoFi Lending Corp. or Lantern. Please review each lender’s Terms and Conditions for additional details.
Many factors affect your credit scores and the interest rates you may receive. SoFi is not a Credit Repair Organization as defined under federal or state law, including the Credit Repair Organizations Act. SoFi does not provide “credit repair” services or advice or assistance regarding “rebuilding” or “improving” your credit record, credit history, or credit rating. For details, see the FTC’s website on credit (https://www.consumer.ftc.gov/topics/credit-and-loans)
Financial Tips & Strategies: The tips provided on this website are of a general nature and do not take into account your specific objectives, financial situation, and needs. You should always consider their appropriateness given your own circumstances.
Personal Loan:
SoFi Lending Corp. (“SoFi”) operates this Personal Loan product in cooperation with Even Financial Corp. (“Even”). If you submit a loan inquiry, SoFi will deliver your information to Even, and Even will deliver to its network of lenders/partners to review to determine if you are eligible for pre-qualified or pre-approved offers. The lenders/partners receiving your information will also obtain your credit information from a credit reporting agency. If you meet one or more lender’s and/or partner’s conditions for eligibility, pre-qualified and pre-approved offers from one or more lenders/partners will be presented to you here on the Lantern website. More information about Even, the process, and its lenders/partners is described on the loan inquiry form you will reach by visiting our Personal Loans page as well as our Student Loan Refinance page. Click to learn more about Even’s Licenses and Disclosures, Terms of Service, and Privacy Policy.
Personal loan offers provided to customers on Lantern do not exceed 35.99% APR. An example of total amount paid on a personal loan of $10,000 for a term of 36 months at a rate of 10% would be equivalent to $11,616.12 over the 36 month life of the loan.
Student Loan Refinance:
SoFi Lending Corp. (“SoFi”) operates this Student Loan Refinance product in cooperation with Even Financial Corp. (“Even”). If you submit a loan inquiry, SoFi will deliver your information to Even, and Even will deliver to its network of lenders/partners to review to determine if you are eligible for pre-qualified or pre-approved offers. The lender’s receiving your information will also obtain your credit information from a credit reporting agency. If you meet one or more lender’s and/or partner’s conditions for eligibility, pre-qualified and pre-approved offers from one or more lenders/partners will be presented to you here on the Lantern website. More information about Even, the process, and its lenders/partners is described on the loan inquiry form you will reach by visiting our Personal Loans page as well as our Student Loan Refinance page. Click to learn more about Even’s Licenses and Disclosures, Terms of Service, and Privacy Policy.
Student loan refinance loans offered through Lantern are private loans and do not have the debt forgiveness or repayment options that the federal loan program offers, or that may become available, including Income Based Repayment or Income Contingent Repayment or Pay as you Earn (PAYE).
Notice: Recent legislative changes have suspended all federal student loan payments and waived interest charges on federally held loans until 05/01/22. Please carefully consider these changes before refinancing federally held loans, as in doing so you will no longer qualify for these changes or other future benefits applicable to federally held loans.
Auto Loan Refinance:
Automobile refinancing loan information presented on this Lantern website is from Caribou. Auto loan refinance information presented on this Lantern site is indicative and subject to you fulfilling the lender’s requirements, including: you must meet the lender’s credit standards, the loan amount must be at least $10,000, and the vehicle is no more than 10 years old with odometer reading of no more than 125,000 miles. Loan rates and terms as presented on this Lantern site are subject to change when you reach the lender and may depend on your creditworthiness. Additional terms and conditions may apply and all terms may vary by your state of residence.
Secured Lending Disclosure:
Terms, conditions, state restrictions, and minimum loan amounts apply. Before you apply for a secured loan, we encourage you to carefully consider whether this loan type is the right choice for you. If you can’t make your payments on a secured personal loan, you could end up losing the assets you provided for collateral. Not all applicants will qualify for larger loan amounts or most favorable loan terms. Loan approval and actual loan terms depend on the ability to meet underwriting requirements (including, but not limited to, a responsible credit history, sufficient income after monthly expenses, and availability of collateral) that will vary by lender.
Life Insurance:
Information about insurance is provided on Lantern by SoFi Life Insurance Agency, LLC. Click here to view our licenses.
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Featured Image Credit: kitzcorner // istockphoto.
