Overview

When you create an Amazon seller account, you grant Amazon permission to pull business credit reports on your company. This authorization allows Amazon and its affiliates to access your business credit information from reporting agencies and third-party sources at no charge to you. Understanding how Amazon uses this data is essential for sellers who want to stay informed about their relationship with the platform and any financing opportunities that may arise.

Key Points / What Sellers Need to Know

• Automatic authorization — By maintaining an active seller account, you consent to Amazon obtaining business credit reports from one or more credit reporting agencies and third-party sources at any time.
• No cost to your business — Amazon bears the expense of pulling these reports, so sellers are not charged for credit inquiries initiated by Amazon or its affiliates.
• Ongoing consent — This authorization remains in effect for the entire duration of your seller account and does not expire until you formally terminate your account.
• Affiliate access — Amazon's affiliates and lending partners also have the ability to pull your business credit information under this same authorization.
• Separate agreements survive termination — If you have signed any standalone financing agreements with Amazon or its lending partners, closing your seller account does not void those separate consents.

How Amazon Uses Your Business Credit Data

Amazon accesses your business credit reports for several specific purposes outlined in their seller agreement. The primary uses include verifying your business identity, detecting and preventing fraud, and evaluating your eligibility for financing products such as Amazon Lending. Amazon also uses this data to underwrite, process, and manage any financing products or services that may be offered to your business. Beyond individual account management, Amazon leverages aggregated credit data to develop and improve its financing products, services, internal processes, and underwriting models over time.

Verification and Third-Party Contact

Amazon reserves the right to contact third parties directly in order to verify information you submit when applying for a financing product or service. This means that if you apply for an Amazon Lending loan or another financial product through the platform, Amazon may reach out to banks, credit agencies, or other entities to confirm the details you provided. Sellers should ensure that all business information on file is accurate and up to date, as discrepancies discovered during third-party verification could delay or disqualify a financing application.