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Tag Archives: payday lender

Payday Loan Lenders Are Not A Credit Score Factor

Posted on October 1, 2012 by Kristy Lamar

Online payday loan lenders do not look at your credit score, but they are one of a very few who do not. Keeping your score high is a struggle for many. When you understand what makes a good score it will be easier to make it all work. Some people think that you have to have high income in order to have good credit. How much you make is not a factor in your credit score at all. There is a comparison of income to debt included with some creditors’ view towards new debt applications. Payday … Continue reading →

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Need Help Paying Off The Payday Loan Lenders?

Posted on September 26, 2012 by Kristy Lamar

Times are tough and payday loan lenders are there to help with fast cash, but what happens when you need help paying off the online payday loan lenders? Sometimes there is no more room to cut costs and the pile of debt doesn’t need to get any bigger. Finding a way to bring extra income into the home can be overwhelming when time is limited as it is, but there are some fun different ways to go about finding some extra employment. Do you have any special skill around the … Continue reading →

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Direct Payday Loan Lenders Are Creditors Who Will Collect

Posted on September 24, 2012 by Kristy Lamar

Direct payday loan lenders provide access to emergency cash when the demand falls before the next paycheck. Many Americans live paycheck to paycheck waiting desperately for the next payday to come. Those who receive tax refunds from the IRS and state governments wait eagerly for the arrival to help balance out some debt and bring relief to the need for additional cash. But what would happen if you lost your job and that next paycheck was your last or the government held back your tax return? Having no money is scary position to be in, but … Continue reading →

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Be On the Lookout for A Responsible Payday Loan Lender

Posted on September 23, 2012 by Kristy Lamar

Another payday loan lender will be paying settlement fees to one the U.S. states. Arkansas will collect $80,000 from the defendants and will distribute the money based on the Arkansas Attorney General’s policy on settlement funds. So what happened? A Kansas City resident and businessman owns several LLC companies which control the operations of multiple online payday loan lender websites. These businesses allegedly operate out of a Caribbean island. These companies were accused of charging excessive fees and interest rates. Loans which were offered to the Arkansas residents had annual percentage … Continue reading →

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Payday Loan Lenders and Debt Collectors Are Not All Bad

Posted on September 22, 2012 by Kristy Lamar

Payday loan lenders will usually have in house collectors since the term for a loan is on average two weeks long. It doesn’t take much time to have a loan in default with direct payday loan lenders. Once the usual 120 days are up for loan collection attempts, the outstanding balance moves on to a collections agency. Your days with dealing with the original payday loan lenders are over, the default debt gets reported to the credit bureaus and you being hearing from a professional collector. The debt collectors have worse reputations than the payday loan … Continue reading →

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UK Finances In The News But Not For The Payday Loan Lenders Industry

Posted on September 16, 2012 by Kristy Lamar

Payday loan lenders are notorious for high interest rates. Each company can set their rate according to state regulations or any competitive rates. Predatory lenders are those who prey on the customer’s vulnerability. Recently, even banks have been under more intensive scrutiny with their practices as payday loans lenders and other wrongful practices. Some banks and credit unions have been charged with reordering transactions in order to get more overdraft fee charges. The banks have been a trusted source of financial business, and their reputation has been continuously compromised with continued reports of illegal practices. Payday Loan Lenders are not the highlight … Continue reading →

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Payday Loan Lender Scrutiny Trickling Over To Check Cashing Companies

Posted on September 10, 2012 by Kristy Lamar

Online payday loan lenders are notorious for wanting a working bank account from their customers. With no credit bureau check, this bank account is the only way a lender will know that a customer has some sort of payment and income history. Even brick and mortar payday loan lenders will expect a signed check as collateral for a loan. Bank accounts are a very important tool used in today’s financial world. What happens when a potential customer does not have a bank account? For starters, their money options have been … Continue reading →

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Reporting A Payday Loan Lender And Other Businesses

Posted on September 4, 2012 by Kristy Lamar

Where do you go when you have a problem with a payday loan lender? If you believe that your payday loan lender is not using best practices, attaching undisclosed fees, or abusing your rights as they try to collect on the loan, you will want to report the company. Give a call to the District Attorneys’ office and explain your situation. If there is enough information to press charges, this office will be the office to do so. It is not just payday loan lenders being reported. If you feel that your rights … Continue reading →

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U.K. Payday Loan Lender Fined For Fraudulent Practices

Posted on September 1, 2012 by Kristy Lamar

The U.K. continues to struggle with payday loan lenders using fraudulent practices with customers.  Just last week, a company from the U.K. was find over half a million pounds after they were found to have left themselves vulnerable to fraud. This payday lender has its credit license revoked for using unfair lending practices. MCO Capital failed to conduct appropriate identity checks which led to fraudsters targeting the company. These fraudulent applicants used more than 7000 other individuals’ information and successfully received payday loans from them. The U.K. does have regulations to prevent this sort … Continue reading →

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Let A Payday Loan Speak For Itself

Posted on August 27, 2012 by Kristy Lamar

Are payday loans being negatively talked about just because they are an easy target? This industry does not get used by people of all walks of life. It is not an answer to many financial problems and there are many who will never need to take out a payday loan online. Many customers who use these low cost payday loans to solve emergency cash problems, while others are dissatisfied with the fast payoff of the loans. Not paying your loan off in time can put a customer into a financial bind which makes these … Continue reading →

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