Terms of Service

Credit Application & Authorization to Obtain Credit

This section applies whenever you submit a credit application or request financing, pre-qualification, or pre-approval through Carvvy Auto Group LLC — whether on this website, in person, by phone or text, or through a third-party credit application platform we link to. By submitting a credit application or clicking to apply, you provide written instructions and your express authorization under the federal Fair Credit Reporting Act (FCRA), 15 U.S.C. § 1681 et seq., for the actions described below.

You authorize Carvvy Auto Group LLC and its assignees, financing sources, and prospective lenders to:

• Obtain and review one or more copies of your consumer credit report and credit score from one or more consumer reporting agencies (such as Equifax, Experian, and TransUnion);
• Use that information to verify your identity, evaluate your creditworthiness, and decide whether to extend an offer of financing and on what terms;
• Verify the information you provide, including your identity, income, employment, residence, and references; and
• Re-access your credit report as reasonably needed in connection with an update, renewal, extension, collection, or servicing of any financing you apply for or receive.

Soft and hard inquiries. An initial pre-qualification or review may use a "soft" credit inquiry that does not affect your credit score. If you proceed with a financing application, a "hard" credit inquiry may be submitted to one or more lenders; a hard inquiry may appear on your credit report and may affect your credit score.

No guarantee of approval. Submitting an application does not guarantee credit approval, a particular rate or term, or availability of any vehicle. All financing is provided by third-party lenders and is subject to their approval, terms, conditions, and verification. Advertised prices and estimated monthly payments are illustrative only, are not an offer or extension of credit, and are not final until a retail installment contract or loan agreement is signed.

Accuracy and identity verification. You certify that the information you provide is true, complete, and correct, and that you are the applicant or an authorized co-applicant. To help the government fight identity theft and the funding of unlawful activity, federal law requires us and our lenders to obtain, verify, and record information that identifies each applicant, which may include your name, address, date of birth, and a government-issued identification number such as a Social Security Number or ITIN.

Your rights. We do not discriminate against any credit applicant on any basis prohibited by the federal Equal Credit Opportunity Act (ECOA). If credit is denied or offered on less favorable terms based in whole or in part on information in a consumer report, you have the right to receive a notice of adverse action and a free copy of the report from the consumer reporting agency named in that notice, and to dispute inaccurate information with that agency.

Texas disclosures. Retail installment sales of motor vehicles in Texas are governed by the Texas Finance Code (including Chapter 348) and are regulated by the Texas Office of Consumer Credit Commissioner (OCCC), 2601 N. Lamar Blvd., Austin, TX 78705, (800) 538-1579, occc.texas.gov. A documentary fee is not an official fee and is not required by law, but may be charged and, if charged, is subject to applicable limits and may be retained by the dealer. You are entitled to a fully completed copy of every document you sign. Vehicle sales tax, title, license, and registration fees are additional unless otherwise stated in writing.

Your authorization remains in effect for as long as reasonably needed to process and service your application and any resulting financing, unless you revoke it in writing before your credit report is obtained. To revoke, ask a question, or request a copy of your information, call or text (915) 497-7770 or email carvvyautogroup@gmail.com. How we collect, use, and protect your personal and financial information is described in our Privacy Policy in accordance with the Gramm-Leach-Bliley Act (GLBA).