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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

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

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