Payday loan lenders online are not
going to interfere with your credit report. No hard inquiries, the loan not
reported as debt while it in term, no late payment negatives will be added to
your credit history to lower your score. Payday loan lenders offer no credit
check loans, as long as you keep making payments on the loan. Once the account
has been sold off to collections, your debt will be reported to the credit
bureaus. If you want to keep your credit score from being affected by a
transaction with a payday loan lender, you can a) not get a loan or b) don't
default on the payoff.
Once your loan has gone to a
collection's agency, you will be dealing with professional collectors rather
than professional lenders. They mean business, it is their business, and they
will get up all in your business.
There is the Fair Debt Collections
Act which regulates collections. By no means may a collector use any threats or
harass you during the process. If you feel like your rights have been violated,
you will want to contact the Attorney General.
Not all collections agencies have
people who make these violations, but since is all they do all day long is
collect debt, it sure could seem like they are harassing you. Find out your
rights if you have collectors contacting you.
Understand a bit more about debt
collectors so you will know how their system works. Learn to deal with the
collectors the right way.
*Most often, when a message is left
on your phone, it is a made up person. When you call back and ask for that
person, you will be told that he/she is out to lunch or out of the office and a
real collector will try to help you.
*Asking for a manager will not get
you better service. You are better off hanging up and calling back to talk to
another collector.
*Calling your work is a great way to
get people to pay up fast. They will only stop if you specifically tell them
not to call. No one is going to tell you, you just have to know it.
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