Possible to open an account without a credit check?
Question by tom t: Possible to open an account without a credit check?
I have a debt that i’m not inclined to pay and in the meantime i want to open a bank account. If i do that though, they normally run a credit check which could trigger the interest of the party to whom i owe money.
I don’t want any kind of credit or overdraft now, just a place to put my wages. Is there anywhere i can do that without arousing the interest of my creditors?
Best answer:
Answer by Cica
Sorry but no. Most banks require credit checks to open a new account. I suggest speaking with a credit union. I had bad credit also but with them I was still able to open an account. They can also help you clean up your credit at your own pace.
Best wishes
What do you think? Answer below!
What would happen if I stop payment on a large payday cash advance check?
Question by Ang: What would happen if I stop payment on a large payday cash advance check?
Would they let me just pay them back in smaller payments? Or would I get in some kind of trouble?
1. I have not stopped payment yet, it’s due to come thru the bank Monday, do you think I can call them beforehand and set smallest payment up?
2. My check will not bounce, my bank will cash it and i will go negative a grand.
3. This is a store lender, check-smart, not internet lender.
Best answer:
Answer by Answer Guru
Well here’s something I just pulled up: “If the account is short on funds to cover the check, the borrower may now face a bounced check fee from their bank in addition to the costs of the loan, and the loan may incur additional fees and/or an increased interest rate as a result of the failure to pay”. That sounds serious, unless you know your going to have doubled that check in like 3 months, I would just pay and get it over with.
Give your answer to this question below!
Credit check?
Question by vette 99: Credit check?
I want to check my credit score for free but when i get to one that says it is free i have to enter credit card info.Is there one that I can go to to get the report without entering credit card info.
Best answer:
Answer by lforbes2_1999
go to www.freecreditreport.com or www.annualcreditreport.com. you can always go to the credit bureaus websites and get them that way too. You can get a free report every year. It will tell you if you have already done it too.
Know better? Leave your own answer in the comments!
Categories: Loan Questions Tags: Check, Credit
Personal Installment Loan No Credit Check – The Cash You Need When Times Are Tough!
Are you in need of a personal installment loan, but you have credit issues? If so then you are probably looking for no credit check personal installment loans. This is not an easy loan to find because your credit usually is checked for any type of financing. You should know about both types of options for your loan.It is important that you start by checking with your own bank or financial institution.
Your bank might be able to help you even if you think they cannot. If you have been with them for many years, have had other loans in the past with them, or have investment accounts with them, then they may be able to help you when you need a personal loan. They will check your credit, but if you have a good history with them, then they might give you a loan regardless of your credit. Plus if you check with your bank first and they can help you, then you will get a lower rate and it will be very easy to make your payments as well.
Second, you can use Prosper. This is a marketplace for private lenders and borrowers to meet. They will pull your credit, but only once and they will give you a credit rating with them. Once they have done this the private individual lenders will be able to bid on your loan listing and help to fund your personal installment loan. This is a great way to get a loan because it is not always about credit with Prosper. Plus when you are dealing with individual people you will have a better chance to find someone that has had bad credit before and knows how hard it is for you to get the money you need.
Last, the best option for no credit check personal installment loans is to get a payday loan or cash advance. Most of these companies never check credit and it is always based on the income you have. These loans can go from $100 to $1,500, but they will have to be paid back within 30 days. You can usually extend the loan for another 30 days for a fee that is about 3% to 5% of the loan amount. It all depends on the lender. This is a great option if you need money and you need it fast because you can get this type of installment loan overnight and sometimes even with an hour or two. If you have an emergency you have to take care of you can do so with a cash advance or payday loan very quickly.
Written by behing01
Categories: Loan Articles Tags: cash, Check, Credit, Installment, loan, Need, Personal, Times, Tough
Check Cashing Service Pay Day Lender Start Up Business Plan
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Personal Finance: Guide To No Credit Check Personal Loans
Personal Finance: Guide To No Credit Check Personal Loans
Any loan that is worth getting will ask for a credit check. If you don’t have good credit but a high income job that is permanent then you might qualify for a loan. If you have a co-signer that can co-sign with you, you will have a higher chance of securing a loan. A low credit score doesn’t mean that you won’t get a loan ever. You do need to show the bank that you can pay off your loan. A co-signer and a job are great reasons to get a loan if you have a poor credit history. Any loan that doesn’t require a credit check is not that great of a loan and the interest rate is very high. You’ll end up owing so much more than you borrow. It’s tough on your interest rate. You’re losing out so much on a high interest rate loan and the loan amount is very small too. You’ll get to loan around half of what you make each month or less than that. You’ll get to loan up to $1,000 or $1,500 if you have a very high income job.
There are plenty of personal loan with no credit check and they are online as well as in person. You do need to have a job and can provide them with proof of your job like pay stubs. They will determine your loan amount based on your monthly income. They required that you have a checking account with a social security number. They will deposit the money into your checking account and then withdraw it at the end of the month. You do have to have a checking account so that they can withdraw it automatically at the end of the month. Notice that these loan are 20-30% interest rate high and it’s costly to get it. This is one of the most common type of loan that doesn’t check credit. There are many other loan from private loan companies that won’t check credit either. These companies often give out a small loan but with high interest rate.
You will often ended up paying more than you borrow. You will end up with a bigger debt than if you didn’t get the loan. It’s alright if you need a backup plan to support your financial needs. People often come across financial difficulty and they need additional loan. Financing is important but you would only use these kinds of loan if you are really in need of it. These kinds of loan are the last option that you should try out. If you really need money then you have no choice but to choose it. You can try borrowing from a credit card because it’s not high in interest and you would have a credit card already. If you don’t have a credit card you can try to obtain one and there are many that would qualify you for bad credit even. You can still obtain several of them. The interest rate on most credit card is about several percents instead of 20% high. You can try to borrow with credit card. You can also try to loan from friends and family since there is no interest rate for that.
Written by kay_pierre
How to Get Your Free Credit Check
How to Get Your Free Credit Check
Did you know that you can get a free credit check? It’s important for you to keep on top of your credit score, and luckily, the internet makes a free credit check available for everyone, so that you can know your credit score and avoid embarrassment when you go to buy a house, take out a loan, or even start a new cellphone contract.
Instructions
Step 1 There are several ways to get your free credit check, but the easiest is to use the website creditkarma.com. This site is packed with free tools that allow you to check your credit rating, suggestions for improving your credit score, and graphs that track any changes to your credit score.
Step 2 Once you set up your free account, click on the Credit Score tab to get your free credit check. Your credit score appears along with a line graph that shows how your credit score has changed over time.
Step 3 The Credit Snapshot tab gives you insight into the negative factors that are affecting your credit score and a sense of how banks will view your credit score. The Credit Compare tab allows you to see how your credit score stacks up with other people in your state and across the country.
Written by ccard123
Categories: Loan Articles Tags: Check, Credit, Free