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Credit Bureau

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Credit Bureau

Credit Bureau is an agency that collects and researches credit information of various individuals and sells it in return of a fee to the creditors. Such information from the credit bureaus enable the creditors to take fair decisions while granting loans. The major clients of a credit bureau are banks, credit card companies, mortgage lenders and various other financing companies.

How Do Credit Bureaus Work?

The credit bureaus collect and research some of the usual and common information, such as:

  • The amount of loan
  • Credit limit of your card
  • The balance on your card
  • Payment details, whether you have paid back your loans on time
  • Public records such as court judgments or bankruptcies
Glossary Credit Bureau

Credit bureaus then, summarize the entire credit information of each individual in a comprehensive format known as the credit reports. These reports are then summarized further and represented in a three-digit numeric form named as Credit Scores.

An individual with a higher credit score is offered loans at a lower interest rate compared to the one with a lower credit score.

Regulation of Credit Bureaus

The credit bureaus are regulated by the Fair Credit Reporting Act (FCRA). It is the one that permits credit bureaus to provide credit reports only to users who have a permissible purpose listed in the law.

Although there are many smaller companies providing credit history of individuals; there are three main credit bureaus in the United States: Equifax, TransUnion, and Experian.

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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

* I have read and understand the Terms and Conditions & Privacy Policy of this loan. All loans financed by CashAmericaToday