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Applying Does NOT Affect Your Credit Score

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:

  • 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.

References:

1. CFPB https://www.consumerfinance.gov/ask-cfpb/who-may-request-my-credit-report-en-1305/

2. TransUnion https://www.transunion.com/credit-report

3. Experian https://www.experian.com/consumer-products/free-credit-report.html

4. Wikipedia https://en.wikipedia.org/wiki/Credit_score

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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 EST 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-Friday: 8:00 AM to 7:00 PM (EST) or email to support@cashamericatoday.com.

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