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Verificación de crédito

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Verificación de crédito

La verificación de crédito es un proceso en el que un acreedor o prestamista analiza la información de su puntaje crediticio para comprender su comportamiento financiero. No necesitan su permiso para verificar su informe crediticio, ya que esto generalmente ocurre cuando solicita un préstamo a un prestamista.

Su informe crediticio es un resumen de su historial crediticio, en el que se registra toda la información crediticia anterior, como los pagos anteriores de su préstamo, su saldo actual de créditos, etc.

Credit Check

Tipos de verificación de crédito

1. Verificaciones de crédito estrictas En este tipo de verificación de crédito, el prestamista examina su informe de crédito y, basándose en esa información, toma una decisión sobre si le extenderá su oferta de crédito. Generalmente, los bancos o cualquier otra compañía financiera realizan una verificación crediticia estricta de cada individuo que ha solicitado un préstamo.

2. Verificación de crédito suave Los prestamistas realizan este tipo de verificaciones de crédito para decidir qué tan buena sería su solicitud sin examinar su historial crediticio. Las búsquedas suaves no afectan su puntaje crediticio ya que no son visibles para otros prestamistas o empresas.

Importancia de la verificación de crédito suave

Cuando solicita muchos préstamos en un corto período de tiempo y ha habido una serie de verificaciones crediticias rigurosas, tiende a reducir su puntaje crediticio, ya que comenzará a parecer riesgoso para un prestamista potencial. Sin embargo, en el caso de una verificación de crédito suave, no es cierto, ya que no hay límite en la cantidad de veces que tuvo verificaciones de crédito suaves, y no dejará rastros en su informe de crédito.

¿Cómo se puede evitar una verificación crediticia estricta?

Hay algunas formas de evitar una verificación de crédito, como por ejemplo:

  • No solicite un préstamo si sabe que no podrá calificar para él.
  • Puede postularse a prestamistas que no realizan una verificación crediticia estricta, como los préstamos a plazos.
  • Infórmese para tomar buenas decisiones crediticias.

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Applying Does NOT Affect Your Credit Score

CashAmericaToday is registered with the Utah Department of Financial Institutions to offer consumer credit services. When you submit your application to us online, it will be processed just as if you had submitted it in person, establishing Utah as the jurisdiction for the negotiation, execution, and fulfillment of all applications and agreements. If your application is approved, the funds will be disbursed from our account in Utah. Please note that Utah's laws governing consumer loan agreements may differ from those of your home state. It is the applicant's responsibility to adhere to all statutory requirements related to obtaining internet loans in their state of residence. Please be aware that this service may or may not be available in your specific state, and loans are not offered in the state of Michigan.

CashAmericaToday is a brand of Silver Financial Capital. The purpose is to meet your short-term borrowing needs, not long-term financial needs. Please note that this is an expensive form of borrowing. The loans and lines of credit may be used for whatever reason you need, like unexpected emergencies, car repairs, medical bills, or travel expenses. In addition, alternative forms of financing like credit card cash advances, personal loans, and home equity lines of credit might be more affordable and better suited to your needs.

CashAmericaToday does not perform any credit checks through the three major credit bureaus Experian, Equifax or TransUnion. We collect required information regarding debtors' creditworthiness from a third party source.

Approval time depends on the authenticity and verifiability of your documents. You might be requested to provide further information if required. Note that we do not approve all the loan requests. On the basis of state laws and your repayment ability, the terms and rates may vary. Any loan requested on Friday after 6:00 PM CST will be processed on the next business day, usually Monday- unless it is a holiday.

Should you have any doubts, please call our customer support at (855) 840-5688, Monday- Friday: 7:00 AM to 4:30 PM (CST) or email to support@cashamericatoday.com.

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