No Credit Check Payday Loans
News from Pitfalls Taken Up Last Superior – Twin Cities Indymedia:

Cash Advances Can Help In Monetary Crisis situations

Nonetheless it may possibly come about a while that income you may need of those costs and then for personal savings to stop any a contingency, this is very much far less. Buy look for of an individual lenders that may possibly offer you funding with no doing credit history checking things to attend to. Usually perhaps it will maybe produce screen towards hassle-free finance, which you do no desire. If you are holding a bad credit score ranking then you should not be feel troubled, since there are a great deal of institutes that happen to be generally intended to provide you with financial even just in negative credit score predicaments. In case you are 18 yrs . old with pay out stubs demonstrating occupation and also have a traditional bank family savings, normally which is all that’s needed. Due to this, payday loans are viewed as sub-best, and as with any sub-contract-primary financial, they can be less affordable. With that in mind, you must just remember that these kinds of loans will not be free so be aware with regards to a single. You’ll find absolutely reasons which might be prime candidates for just a Payday loan. Top 10 Good reasons to obtain a Payday Loan&middot Repay what you owe by the due date and get away from late charges or company dysfunction&middot Posting help for any family member…………… continues on Pitfalls Taken Up Last Superior – Twin Cities Indymedia

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Forbes: 10 Common Credit Myths That Cost You Money
News from Moneynews:

Managing credit is a hot topic these days, for various reasons. Many Americans had their credit scores damaged during the recession. And are now trying to qualify for record low mortgage rates. Also, some employers now use credit scores to evaluate applicants.

Forbes detailed 10 common credit myths that can hurt an individual’s score:

• If you’ve done nothing wrong, your credit is fine. (Maybe not, because an estimated 70 percent of credit reports have errors in them.)

• Checking your credit will hurt your score. (Checking your own report generally does not hurt your score but errors do.)

• You check one report and see no errors. (You actually have three credit reports, from Experian, Equifax and TransUnion. All can be monitored.)

• One credit report site is the same as the others. (Many sites give you access to one report, and charges can apply. Instead, go to annualcreditreport.com, which allows you free access to all three reports once every 12 months.)

• Old debts never die. (The debt collector is unable to sue you if the debt is older than the statute of limitations in your state. If you make a payment now, it could actually reactivate that time period. If a debt is older than seven years, it should not even be on your credit report.)

•…………… continues on Moneynews

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LoansPayDay Brings New Online Payday Loans Service with No Credit Check
News from Virtual-Strategy Magazine:

With immediate access to countless lenders, Loanspayday.us is the fastest and most convenient option to get up to $ 2500 cash loan overnight. The website ensures that credit score is not a problem anymore.

Atlanta, GA (PRWEB) July 24, 2012

LoansPayDay.us brings great news for borrowers as it launches its online loan matching service. With no credit check required, the service is targeted towards borrowers with bad credit scores as well as new borrowers with no credit history. The service was started to offer an immediate and hassle free solution for people looking for an emergency short-term loan. Using LoansPayDay, borrowers can get up to $ 2,500 worth of online payday loan within an hour.

The major objective behind this service is to save borrowers from painstaking application and approval procedures and help them acquire a short-term loan exactly when needed. Further explaining the company’s mission and objective, the spokesperson for LoansPayDay said, “We understand that pay day loans are usually something people opt for only in dire situations. By making the procedure faster and uncomplicated, we just want to maximize the value and benefi…………… continues on Virtual-Strategy Magazine

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Bad Credit Payday Loans – Get a Loan with No Credit Check with New Service …

Bad Credit Payday Loans – Get a Loan with No Credit Check with New Service …
News from Houston Chronicle:

Badcredit-paydayloans.net now makes the process of obtaining payday loans much simpler for those with less than perfect credit scores. The company offers a new service, matching would-be borrowers to suitable, regulated lenders. It also gives some advice to customers on avoiding scam lenders.

(PRWEB) July 09, 2012

BadCredit-PaydayLoans.net announces details of their new online payday loan introduction service. Despite many people having had trouble in the past with obtaining short-term finance options, the company has teamed up with an extensive network of lenders that have high approval ratings for a bad credit payday loan and solid reputations.

A big plus and cause of relief to many is that BadCredit-PaydayLoans.net is set apart from many other companies by its policy of helping people obtain no credit check loans. The company believes this decision makes its services more accessible to many who might be put off by having to undergo a credit check. It is becoming increasingly well known by consumers that multiple credit checks can be damaging to one’s credit file and numerous declined applications can make obtaining future credit at good interest rates even more difficult.

A company spokesperson for BadCredit-PaydayLoans spoke…………… continues on Houston Chronicle

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Making sure your credit rating stays in the black
News from Irish Times:

The Irish Times – Tuesday, July 10, 2012

CONOR POPE

LAST WEEK the chief executive of the Consumer Association of Ireland Dermott Jewell issued a dire warning that, in spite of all its promises, some Ulster Bank account holders would see their credit rating badly damaged as a result of the current “technical glitch” (or as we prefer to call it, technical fiasco) that has left thousands of the bank’s customers without access to funds for as long as three weeks now.

Jewell said a damaged credit rating could “destroy someone’s life” and he warned that some people would “fall between the cracks”.

And if people do fall between the cracks, they may not even realise it for many years, by which time resolving the problems might be problematic.

While we can only hope the consumer advocate is wrong about the long-term consequences of the Ulster Bank meltdown – and the Central Bank went to great pains last week to reassure people that credit ratings would not be affected as a result of missed payments – Jewell is on the money when he talks about this po…………… continues on Irish Times

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Bad Credit Payday Loans – Get a Loan with No Credit Check with New Service …

Bad Credit Payday Loans – Get a Loan with No Credit Check with New Service …
News from Virtual-Strategy Magazine:

Badcredit-paydayloans.net now makes the process of obtaining payday loans much simpler for those with less than perfect credit scores. The company offers a new service, matching would-be borrowers to suitable, regulated lenders. It also gives some advice to customers on avoiding scam lenders.

(PRWEB) July 09, 2012

BadCredit-PaydayLoans.net announces details of their new online payday loan introduction service. Despite many people having had trouble in the past with obtaining short-term finance options, the company has teamed up with an extensive network of lenders that have high approval ratings for a bad credit payday loan and solid reputations.

A big plus and cause of relief to many is that BadCredit-PaydayLoans.net is set apart from many other companies by its policy of helping people obtain no credit check loans. The company believes this decision makes its services more accessible to many who might be put off by having to undergo a credit check. It is becoming increasingly well known by consumers that multiple credit checks can be damaging to one’s credit file and numerous declined applications can make obtaining future credit at good interest rates even more difficult.

A company spokesperso…………… continues on Virtual-Strategy Magazine

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7 key steps to get a home loan
News from The Republic:

Mortgage rates have plunged to record lows, below 4 percent. That’s great — but only if you can actually qualify for a loan, and that’s not easy. After giving away the store during the housing boom with disastrous results, lenders have tightened their underwriting standards, leaving many would-be home buyers out of luck.

But there are steps homebuyers can take to find the right mortgage, and qualify for it. Here are seven:

IMPROVE YOUR CREDIT SCORE: A credit score below 620, as measured by the Minneapolis company FICO, will knock most potential buyers out of the running for a mortgage. And even if you can qualify for a loan, lenders reserve their best interest rates for borrowers with the highest credit scores — typically 740 and above. If a bad credit score pushes up your interest rate by even one percentage point, you could end up paying $ 85,000 more over the life of a $ 400,000 loan, according to Tracy Becker, president of North Shore Advisory, a credit repair company in New York state.

To see where you stand, start by checking your credit report, which is available free at annualcreditreport.com, preferably at least six months before you’re ready to shop for a home. You can get a free report once every 12 months from each of the three credit reporting companies — Experian, TransUnion and Equifax. Make sure there are no mis…………… continues on The Republic

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Payday Loans Up to $ 2500 Are Now Available with No Credit Check
News from Houston Chronicle:

Online-paydayloans.net recently announced a brand new payday loan program offering borrowers up to $ 2,500 without a credit check. No credit check loans allow borrowers to access much needed cash within mere moments without the hassle or worry of a low credit score getting in their way.

(PRWEB) July 06, 2012

With uncertain economic circumstances, many individuals and families have fallen upon challenging financial times; foreclosure, job loss, increasing personal debt loads and decreasing personal credit scores.

While personal loans, credit cards and even lines of credit were viable options for borrowers in the past, recent restrictions on traditional lending have left many wondering where to turn for financial help. This is where the concept of no credit check payday loans comes into play.

Payday loans offer borrowers short-term funds for any purpose; to pay bills, to bridge the gap between this paycheck and the next or to simply complete a personal purchase when cash reserves are tight. These no credit check loans have been rising in popularity among borrowers as the application process is simple and easy, and approval is guaranteed.

“Our loans provide crucial funds to borrowers facing a variety of financial challenges. Once applicants complete a safe, simple and easy to follow process online, their l…………… continues on Houston Chronicle

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Questions of Cash: More Clarity needed over my Halifax card-check failure
News from The Independent:

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Check Depot Creates New Content About the Benefits of Payday Loans
News from Midland Daily News:

Article Strives to Inform and Educate Potential Borrowers

(PRWEB) April 26, 2012

Check Depot has introduced onto its website a new educational article set on informing readers of all the advantages of getting an online cash advance. These days, many people find themselves in need of some fast cash now and then to deal with financial emergencies or just to get by while waiting for their next paycheck, and the company has launched its new material keeping this in mind. The online resource, which is entitled “Top 5 Benefits of a No Faxing Payday Loan,” is just one of a host of free readable materials about cash advances and the payday lending process that are able to be accessed from the homepage of the Check Depot site.

“The team at Check Depot just wants to ensure that people know what they stand to gain when they take out payday loans,” says Check Depot spokesperson John Henry. “We are happy to have the chance to reach so many people with accurate information about legitimate opportunities to get fast cash. Anyone interested in availing themselves of quick financial assistance should examine our informative articles.”

The main benefit mentioned in the latest Check Depot article is that no faxing payday loans are extremely fas…………… continues on Midland Daily News

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Payday lenders find new home online; interest rates hit 1000 percent
News from The Missoulian:

Want to talk to somebody at a payday loan operation? Good luck.

Most payday lending company phone numbers are disconnected, others now belong to different businesses.

A customer service representative did answer at EZ Money Check Cashing in Missoula last week, explaining the company does check cashing and tax filings, but no longer offers payday loans.

The reason is simple, and Bernie Harrington, owner of EZ Money Check Cashing, explained it this way: He closed three stores and cut services at others after Montana voters passed ballot Initiative 164 in November 2010. The initiative capped at 36 percent the interest fees and charges that payday, title and retail installment lenders can assess customers.

Supporters of I-164 called payday loan companies “predatory,” as lenders could charge up to 400 percent on the short-term loans.

Opponents of I-164, mostly payday lenders like Harrington, said the 400 percent was a misrepre…………… continues on The Missoulian

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With age comes wisdom — and a better credit score, study finds
News from Dallas Morning News (subscription):

If age equals wisdom, then it stands to reason that we should become more financially responsible as we grow older.

And as we mature, that should translate into higher credit scores, a new study finds.

CreditKarma.com, which provides consumers with free credit scores, took a look at the relationship between debt and credit scores, and how it changes during a person’s lifetime.

What it found was that as credit history lengthens, credit scores typically increase.

“We took a sample of several hundred thousand users and we charted their overall debt levels, along with the average credit scores, and we grouped them by the age,” said Ken Lin, chief executive of CreditKarma.

What CreditKarma discovered was that the older you are, the higher your credit score tended to be.

“Age and your experience in life tend to lend a lot to your credit score,” Lin said. “Just like everything else, you tend to get better as you get older, and that’s very tru…………… continues on Dallas Morning News (subscription)

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Payday lenders find new home on the Internet
News from The Missoulian:

Want to talk to somebody at a payday loan operation? Good luck.

Most payday lending company phone numbers are disconnected, others now belong to different businesses.

A customer service representative did answer at EZ Money Check Cashing in Missoula last week, explaining the company does check cashing and tax filings, but no longer offers payday loans.

The reason is simple, and Bernie Harrington, owner of EZ Money Check Cashing, explained it this way: He closed three stores and cut services at others after Montana voters passed ballot Initiative 164 in November 2010. The initiative capped at 36 percent the interest fees and charges that payday, title and retail installment lenders can assess customers.

Supporters of I-164 called payday loan companies “predatory,” as lenders could charge up to 400 percent on the short-term loans.

Opponents of I-164, mostly payday lenders like Harrington, said the 400 percent was a misrepre…………… continues on The Missoulian

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Payday loans: Quick cash at a steep price
News from Daily Herald:

They’re called many names: payday loans, cash advance loans, check advance loans, post-dated check loans or deferred deposit loans. What they are, though, are short-term, high-interest-rate loans given to borrowers who need a little extra cash until their next paycheck.

If you’re not familiar with this game, this is how it goes: Generally, a borrower writes a personal check payable to the lender for the amount borrowed — plus a fee, which represents the interest. The lender pays the borrower the amount of the check minus the fee, and holds the check — usually until the borrower’s next payday. The same result can also be accomplished electronically: The lender deposits the amount borrowed into the borrower’s checking account, then debits the loan amount — plus a fee — the next payday.

That fee will vary. Sometimes it’s a percentage of the face value of the amount of the loan. Other times it is a set charge per every $ 50 or $ 100 borrowed. E…………… continues on Daily Herald

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Your Money: Those credit-card offers might not bring cheer after the holidays
News from Indianapolis Star:

Before heading out to shop, you don’t slip a can of pepper spray into your purse, and you’d rather spend Thanksgiving with your family than in a tent outside a big-box store.

Still, when you head out to the mall or cruise the Internet, you want a deal. Four years of hard times have left us hard-wired for discounts.

Retailers are obliging by promoting coupons, free shipping and one-day sales. They’re also offering discounts of 20 percent or more for customers who sign up for a store credit card.

Credit-card companies have joined in the festivities, offering generous rewards to new customers who use their cards for all their holiday needs. Chase and Citibank are offering $ 200 cash back if you spend at least $ 500 within three months of opening the account.

But plenty of perils await shoppers who succumb to these offers. Numerous studies show that consumers tend to spend more when they use credit cards than they do when they use debit cards or cash. For…………… continues on Indianapolis Star

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Choose The Right Payday Loan Lenders For Your Urgent Cash Needs
News from Granite Bay View:

Being a single mother and trying to survive on a tight budget can at times pose a rocket science task. There are lots of people in U.S. today who live from paycheck to paycheck with literally no savings to fall back on in case of emergency. A payday loan may provide a solution but you should be very careful about which payday lenders you apply to.

I have tried many companies out there that promise no credit check, instant approval bad credit loans for any amount – up to $ 2,500! Let me give you the facts and some tips.

The first thing you should know about online payday loans is that they are regulated by most states due to their high interest rates. These high interest rates are dictated by bad risks that these lenders have to work with: people with perfect credit use credit cards to leverage expenses, they stay away from expensive payday loans.

Next, don’t be greedy – there is a slim chance that you will get more than $ 500 if it is the first time you are applyi…………… continues on Granite Bay View
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How Your FICO Credit Score is Calculated: Length of Credit History
News from Fox Business:

This is the third of a five-part series examining what goes in to creating your FICO credit score — the three-digit number that helps determine how much you can borrow and on what terms. Each part of the series will take an in-depth look at one of the five basic components of the credit scoring model. Today: length of credit history. 

In the world of the FICO credit score, age and experience trump youth and enthusiasm.

To earn a FICO credit score, borrowers need to have at least some credit history. Although it’s not the most heavily weighted factor used to calculate a borrower’s FICO score, the length of a borrower’s credit history does matter. And within that component, age and experience typically proves beneficial.

“Generally, the older your length of credit history, the better it is for your
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Perfect Credit: 7 Steps To A Great Credit Rating
Perfect Credit is the definitive guide to getting and keeping outstanding credit. Think of this book as a roadmap for anyone hopin…