Category Archives: credit

Till Payday

Are you worried that your poor credit won’t allow you to get a cash advance till payday? It’s time to stop worrying. Why? Because even with poor credit you could get a payday loan. In fact, these loans are perfect for people with bad credit or even for folks who have no credit at all.

When you fill out the necessary information for cash til payday loan, your credit won’t be checked. These are short-term, non-secured loans. They are easy to get and easy to pay back. And they are just what you need to keep the bill collectors at bay.

What About Installment Loans?

Have you heard about installment payday loans? These loans are very similar to your traditional payday loans. However, you won’t have to pay the entire loan back all at once. Instead, with an installment payday loan you pay the loan back gradually. You will make small, incremental payments until the loan is paid in full. These payments can be deducted right from your bank account, just as with a traditional payday loan.

Some folks have found these types of loans to be easier on their bank account. Especially if they have a lot of bills to pay each month, paying smaller amounts on the payday loan makes it that much more manageable. You can apply for cash advance installment loans the same way you do for regular cash advance loans.

Does It Make Financial Sense?

Some people worry about using cash till payday loans. They wonder if the loans are a good idea. The truth is, as long as you are financially stable, these loans are simply an easy and flexible way to get the cash you need.

Many people don’t like waiting weeks to hear from a bank. Of course, for folks with bad credit, the banks might not even be an option. We pride ourselves on offering safe and secure loans to responsible adults. Our company has been helping people just like you get the loans they need at the price they want.

Cash Advance Until Payday

You know how it is. You have to pay the babysitter, the landlord and the cable bill all on the same day. And unless you have a money tree in the backyard, that can be difficult. Now is the perfect time for a paycheck cash advance.

Even if you can only make cash advance monthly payments, these payday loans are still the ones you need. Do you only get paid once a month? That’s not a problem. As long as you have been at your job for at least 3 months, you can request a payday loan.

Of course, you will have to be 18 years of age and a legal resident as well. Plus, you need a bank account. Don’t worry if you only have a savings account, though. We can still transfer the money you need right into your account.

It’s Time For A Cash Payday Loan

Are you thinking of going back to school? A degree might get you a better job with more pay. But college costs money. With cash advance payday paycheck, you can go to class at night while you work during the day. You will have that degree in no time.

A cash advance payroll loan can pay all your outstanding bills. Are you about to get the electric shut off? Get a payroll cash advance first. Then you can pay off the electric bill and not have to worry anymore.

A pay cash advance can be deposited into your bank account within 24 hours. You can then use that money for anything you want. What are you waiting for? Get a cash advance and payroll loan today.

More credit tips

Judgements are court orders for payment of debts owed to a creditor or other parties who may have sued you and won a judgement against you in a court of law. A Judgement gets reported to the public record section of your credit report and can remain there from three to twenty years depending on your state law . You need to find out your state’s limits as each state is different. For instance New York Judgements expire after 10 years.

Our recommended solution is to remove these negative items from the credit bureau files permanently. Many states allow judgements to be renewed one or more times, which could substantially extend the enforceability of a judgement, if the creditor is vigilant about the renewals. This can potentially result in a permanent legal obligation until it is paid.

A Judgement will affect your ability to purchase a property, get approved for a loan or credit card. In addition, a judge can order a garnishment of salary and freeze your bank accounts.

Next, a tax lien is put on a property by law to secure payment of taxes. Tax liens may be imposed for unpaid taxes owed on real property or personal property, or as a result of failure to pay income taxes or other taxes. A tax lien will significantly affect your ability to purchase property and or get approved for loans. In many cases a freeze on your bank account can occur as well as garnishment of a portion of your income as ordered by court judge.

Our solution is to remove these negative items from the credit bureau files permanently.

Now the worse case is bankruptcy. Upon filing and being accepted for a bankruptcy process, all creditors to be included in bankruptcy are marked with Included in Bankruptcy on your credit report. This not only significantly drops your credit score, but also lets everyone who looks at your credit in present and future know that you are in or have been in a Bankruptcy. This is highly damaging to your credit standing and should be avoided whenever possible.

Our solution is to remove these negative items from the credit bureau files permanently. New Bankruptcy laws make it much more difficult to be granted a bankruptcy and many people end up with no results along with damaged credit. In addition a bankruptcy rating remains for 10 years on your credit report. 9 out of 10 times we can help you avoid a bankruptcy and save your credit rating. We don’t consolidate, negotiate, or settle or put you on any payment plans, our approach is very unique and different. Contact us to know how it is done.

Credit tips


Nothing is more important when you are trying to establish credit and build it positively than your credit score.  When you are first starting out establishing credit, there is literally no score on your credit report.  The system works as follows based on the range that your credit score falls into:

  • 500-559 extremely risky
  • 560-619 risky
  • 620-674 sub-prime
  • 675-699 average
  • 700-719 very good
  • 720-850 excellent

Additionally, moving up the scale even a bracket at a time could take a while depending on how well you maintain your credit track record.


Determining how long it will take you to establish good credit depends on you and some important considerations.  Here is a list of 3 key considerations that affect this:

  • Annual income – the rule of thumb is that the more you earn, the more rapidly you can build your credit.
  • Availability of a co-signer with an established credit history – many first timers are oftentimes asked to have a co-signer who will also be responsible on your account should you default.  Although many people are willing to co-sign for a family member or close personal friend, not every co-signer’s credit is that good either.
  • Existence of a previous credit history – re-establishing a credit history is not an easy thing to do, especially when your past history has relegated you below a score of 660, it will be very difficult for you to establish your credit.


In answer to the question “how long does it take to establish credit”, it varies significantly based on the aforementioned variables.  For instance, an individual who with no prior credit history who has secured a loan, makes their monthly payments on time, and has a good annual salary can probably build good credit within 6 to 12 months.  Conversely, the person who wants to re-establish their credit, has a bad past credit history, a low credit score, and lower income could spend up to 10 years repairing that credit history.


There is no bonafide shortcut to building or repairing your credit score.  However, it is a matter of good financial planning, handling your credit responsibly, and reasonable spending habits that are critical.  Following those 3 precautions can make the process easier for you.