Credit History

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Credit History

Credit history is a record of all the debts and repayments of a borrower. These records are then further used to determine the credit score of a borrower that tells about his/ her ability to repay debts. Credit history has all the details of a borrower, like the number of credit cards you have, how many loans you currently owe and whether you have repaid your earlier loans and bills on time or not.

Why Is Credit History Important?

When you apply for a loan, lenders want to know about your creditworthiness before lending money to you. Therefore, a credit history helps them to know all the information about you.

Credit History

Sometimes, even employers also check your credit history to learn about you, when you apply for a job. Apart from this, insurance companies, etc. also take an account of your credit report or credit history for offering you an insurance cover.

Ways to Achieve a Good Credit History

A healthy habit of managing your expenses and debts can lead you to have a good credit history. And for achieving a healthy credit history, it is very important to follow a few good habits such as:

  • Paying your bills on time can add value to your credit score and will also make you stress-free. Additionally, you will be spared from paying late fees.
  • Always apply for credit when you actually need them. Before going to other companies for borrowing, you should try other options as well, such as borrowing from family, friends, etc.
  • Do not file for bankruptcies frequently.
  • As per experts, it is very important to limit your credit card usage below 30% for achieving a better credit score.
How to Choose a Credit Counselor?

There are plenty of companies that claim to help you come out of your debt and financial struggle. A lot of them can also be a scam and you should always be cautious and choose the one who fulfills the following criteria:

  • Check whether the credit counseling agency is accredited by the National Foundation for Credit Counseling.
  • Verify the counselor with Better Business Bureau and find if the company is trustable or its in good position.
  • Last but not least, always look for an agency that you find comfortable to talk with.

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Applying Does NOT Affect Your Credit Score

We are registered with Utah's Department of Financial Institution to provide Consumer Credit. If you submit this application via the internet to us, we will receive and process it the same as if you submitted it to us in person thereby making Utah the place of negotiation, execution and performance of all applications and/or agreement. If we approve your application, the funds will be disbursed from our account in Utah. Utah law governing consumer loan agreements may differ from the laws of the state where you reside. Applicant is responsible for complying with all statutory obligations regarding obtaining loans by internet that may exist in their state of residence. This service may or may not be available in your particular state.

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 which is usually Monday- unless it is a holiday.

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

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