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The three credit score companies.
There are several companies out there that will offer payday loans with no credit checks. A few of these companies are: Spotya, MegaFood, and Fast Cash Advance.
Only hard credit checks decrease your credit score, so one must be careful about the number of applications for credit that they make in a given period of time. There are two types of credit check - hard and soft. Hard credit checks are made by companies from whom you have requested credit (or an increase in credit line). Soft credit checks are made by (1) companies that you already have accounts with that are updating their snapshot of your situation and (2) companies that may try and market credit instruments to you.
Online credit checks are done with the major credit reporting bureaus. Trans Union, Equifax, and Experian. Credit checks can also be done with several of the major credit card companies.
Unless service was disconnected and a large amount was left unpaid. You have no reason to be concerned. Utility bills are pretty far down on the list and often aren't listed at all.
The three credit score companies.
There are several companies out there that will offer payday loans with no credit checks. A few of these companies are: Spotya, MegaFood, and Fast Cash Advance.
Only hard credit checks decrease your credit score, so one must be careful about the number of applications for credit that they make in a given period of time. There are two types of credit check - hard and soft. Hard credit checks are made by companies from whom you have requested credit (or an increase in credit line). Soft credit checks are made by (1) companies that you already have accounts with that are updating their snapshot of your situation and (2) companies that may try and market credit instruments to you.
Online credit checks are done with the major credit reporting bureaus. Trans Union, Equifax, and Experian. Credit checks can also be done with several of the major credit card companies.
Unless service was disconnected and a large amount was left unpaid. You have no reason to be concerned. Utility bills are pretty far down on the list and often aren't listed at all.
There are many prepaid credit cards that a person is able to buy without credit checks. But if a person wished to buy a "normal" credit card such as VISA there is a company called Credit Federal that requires no credit checks to purchase a credit card.
Utility companies are not credit grantors. You are not borrowing money to be paid back in a specific time period. You are paying for a service when you pay your utility bill.
Many utility companies, banks and online retailers will accept online checks. The best way to find out if a business accepts online checks is to look for ACH payments or e-check under payment methods.
Credit Card with high interest rates or high annual fees!!!
Checks initiated by you can lower your credit score, if it looks like you've applied for several loans or credit cards at once. Checks intitiated by the lending companies for purposes of pre-approved offers do not.
Contact your utility company and ask them to report your information with all three bureaus. Keep in mind that not all utility companies are able to provide this option, so seek out companies that give you this option.
Technically, yes, but usually this is not the case. Most major companies will post the good and the bad, particularly credit card companies and banks. Other companies will only report the negative, such as utility companies, apartment rental companies, etc.