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Credit Score

A credit report is a statement that takes an account of all the information regarding your past credit activities and your present credit handling status. This analysis of measuring the creditworthiness of an individual or business is then represented numerically and is termed as a credit score.

Credit Reports Are More Than Your Credit History

Credit reports have much more information than just your credit history. These also include the following:

Credit Score
  • Public records, such as bankruptcies, civil judgments, etc.
  • Your personal information like your name, social security number, contact numbers, and addresses, etc.
  • Inquiries about companies that have accessed your credit report.
  • All your credit accounts such as mortgage loans, credit cards, collections, auto loans, etc.
Importance of a Credit Report

When you apply for a loan from a lender, they use your credit report to know about your creditworthiness. It helps them to determine how likely you will repay your loans on time. Therefore, it is always better to have a good credit report to easily qualify for a loan.

Fair Credit Reporting Act (FCRA)

There are three main credit bureaus in the US - Experian, TransUnion, and Equifax, apart from various other small credit bureaus. FCRA regulates all of them and restricts the provision of the credit reports. Therefore, these reports can be sent only to the creditors, employers, government authorities, landlords, etc., under appropriate circumstances.

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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-Thursday: 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