Payday Loans Guaranteed Approval With Bad Credit and No Faxing of Documents

I tried to sum up all the things that people usually want from payday loans – guaranteed approval, bad credit being OK and not having to fax documents anywhere. Getting a cash advance really fast with bad credit and without having to fax documents is actually very common and relatively easy these days. It is the guaranteed approval part which is slightly tricky. This is because no legitimate company will actually offer guaranteed approval under all possible circumstances. There are, however, many companies with clear, simple guidelines about who they lend to, and provided you meet a few very basic criteria, you are to all intents and purposes guaranteed approval.Once you are armed with a list of the best payday lenders and you know what it is they will need in order to lend money, you can be pretty sure about whether you will be approved or not before you apply. Bad credit is not a problem because there are many companies who do not check your credit at all. They do not need to, because getting their money back does not depend on the things that a credit rating will tell them about. What they really want to know is that you have a source of income and a means to pay them back quickly and on time. What this comes down to is being between 18 and 65, having a job and a bank account.Payday lending is commonplace in the US, but is a relatively recent development in the UK. One thing that can prevent you being accepted for a loan in the US is not being eligible because of where you live. In the UK this is not an issue, but in the US, state laws apply, and some states have prohibited or restricted payday lending. It is worth checking this before you start applying.To be virtually guaranteed approval for a payday loan you should have a steady job that you have preferably had for about six months or more, and be earning at least $1,000 or £750 per month. If you are also between18 and 65 and have a checking account (current account in UK) with a bank, you should get a loan if you approach one of the good lenders.Getting an online loan is a surprisingly quick and easy thing to do now that we have online applications. This does, however, throw up another unnecessary and silly reason that a surprising number of people do not get loans. If you do not fill in the application form fully and accurately, you can be refused a loan. This is a pointless reason to be rejected, so take time to fill in the form correctly. Have your last bank statement, cheque book, employment details, etc ready for when you apply.If you meet the basic criteria of being old enough, having a job and a bank account, the only other thing you need for guaranteed approval is to use the right lender with a high acceptance rate. You also need to choose a lender carefully for other reasons. A good lender should not just be whoever will give you a loan in the first place. There are many less reputable companies who will levy huge extra penalty charges for even the slightest delay in paying back the loan. This is when problems in repayment can lead to spiralling debts that are difficult or even impossible to climb out of.The safest option is to follow recommendations for only the most well established and reputable lenders, so that you know you will be dealt with responsibly if things do not go quite as planned.
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The Common Denominator of Successful E-commerce Businesses

There are as many different paths to e-commerce success as there are successful e-commerce websites. People find their market niches in many different ways. The same is true of how they gain the necessary knowledge for successfully promoting their websites instead of getting lost in the sea of competition. However, there is one commonality that all successful e-commerce owners seem to have. Read these brief histories of a few successful e-commerce businesses and see if you can find the common thread.Mount Healthy Hatcheries – Steve Moore of Cincinnati, Ohio had been a computer programmer in the corporate world. Things were going great for him and he’d planned to spend his entire career there. But then he suffered seizures from a brain tumor, and had to endure subsequent surgeries to fight it. His plans for corporate success were shattered.Steve’s wife, Cathy, was part owner of a family-owned brick and mortar business that has operated since 1923. It was a chick hatchery that sold 1-day-old chickens, turkeys, and ducks. Steve and Cathy thought it was time to move it into the 21st century. Friends and family told them it couldn’t be done, that no one would ever buy chickens from the Internet.”I HAD to prove them wrong,” said Steve. “I knew it could be done, I just had to find a way around all the obstacles.” Steve had built websites before, so he was confident in his ability. What he didn’t know was if he could build a full-blown e-commerce website where he could display a full line of chicks and products and enable customers to pay online. He also didn’t know how to promote a website sufficiently to bring in enough Web traffic for a sufficient cash flow. That’s when he got an invitation in the mail to a conference where we could learn about a company that provides the tools, hosting, and training he would need to do all those things. That was in 2006. Within four months the e-commerce site he built through that company had become a major part of the family business. Steve and Cathy still run the website they built back then, along with a few other websites they’ve built since, using the same platform.North American Knives – Kirk and Bonnie McCormick of Baker City, Oregon had a side-business selling koi. Koi are those colorful Japanese breeds of carp that people put in aquariums and outdoor fish ponds. They set out to build a website that would allow them to sell their koi on the Internet. The company they contracted with for hosting and training also provided them with keyword research tools. That’s where they made two discoveries that would devastate their plans. First, they discovered that there were a lot of other companies selling koi online. But worse, they discovered that not many people were searching online for koi.They’d already bought the websites and contracted for the hosting. In order to make their investment pay off they had to find another way.”We made long lists of things we knew about to try to think of something else we could sell online,” said Bonnie. After narrowing the list down to just a few ideas they began researching each one to see if they could find a supplier with a product they could sell competitively. They gave up on several ideas before they found a supplier of knives that would work with them.Today, Kirk still works full time in law enforcement but Bonnie just runs their knife websites (they run four now) from home.Buy Activated Charcoal – John Dinsley of Crawford, Nebraska had always been self-employed in one way or another. He had a background in preventive medicine and had written a book about the medicinal uses of activated charcoal. When he decided to try to sell his book on his own website, he was running a renovation business but was getting tired of it. He had his sons build him a website but it didn’t work out like he wanted.”I’d have to bug them every time I wanted to change something,” John said, “and that was a lot.” Also, he didn’t know how to market his website and wasn’t getting much traffic at all. He turned to the Internet to find a platform he could use to build a website of his own, and hopefully figure out how to market it. But John was working on a Mac. The platform he chose wasn’t compatible and others he found didn’t have the features he wanted.Next, John got a mailer about a conference that would teach him the things he wanted to know.”They told me at the conference that this platform was Mac compatible so I bought in,” said John. “Once I got it home, I realized it wasn’t compatible at all. I had to get my money back.”By this time, both John and his wife, Kimberly, were getting pretty discouraged. They suspected that if they could just get the sales of John’s book going, they might also be able to sell the activated charcoal products people can use.Such was their determination that when they got yet another invitation to an Internet conference in the mail, they pushed aside their discouragement and decided to give it another try. That conference led them to a full-day Training Workshop.”Before the day was half over, we knew this was it,” John remembered. It took many hours and a lot of effort to learn to use the platform but the website he was able to build for himself still runs today, selling his book (Title: CharcoalRemedies.com). He also built another website that sells all the products people use with activated charcoal in them, both medicinal and non-medicinal (it’s also widely used for odor control and other uses).What Do They All Have In Common?Have you discovered the theme yet? What do all these e-commerce business owners have in common? It’s really just simple persistence. All of these people, and thousands more like them, were hurled back multiple times as they tried to achieve their online success. All of them kept charging back in with a different plan until they found one that worked for them; one that brought them the success they sought.It doesn’t just happen in e-commerce. It’s a general rule of life: Persistence doesn’t guarantee success, but if you’re not persistent, you’re not successful.
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Credit Repair Tips

There are many methods to credit repair and if you have poor credit scores then you should consider restoring your credit. You will enjoy an increase in your financial freedom when you take steps toward bad credit repair.Bad credit can be detrimental to your financial well being. You might have constant phone calls to your home from bill collectors and the battle may seem impossible. You might make less money than you can financially afford to pay toward your monthly bills. This is called being “upside down in your bills”. It is possible to get on the path toward credit repair even though it might seem impossible.You might have bad credit for many reasons. You could have medical bills, credit card bills, and many more bills that are overwhelmingly high. No matter what the reason is, when your credit scores are low it is viewed a number of ways. First, your debt to income is reviewed. Creditors look at the amount of money you OWE on your credit versus the amount of money that you MAKE. Also, if you have many debts that are small amounts unpaid, this looks very bad too. However, the biggest way a company looks at your credit score is that it shows you don’t pay your bills. This means you cannot be trusted with paying back a credit or a loan. The better your credit score is then the more a business will trust you with paying back the loan.When you have bad credit it is next to near impossible to get a loan for anything. You won’t be able to get credit cards, buy a home, a car, or get credit for anything you might need. In most cases, if someone does extend you a line of credit then your interest rate is very high. When you are given a high interest rate then you are almost paying double for the initial line of credit.When you make the decision to repair your credit with a ‘repair my credit toolkit’ then you are taking the first step to a better financial situation. Remember, bad credit means higher interest rates. It also means when you have a financial emergency, you can qualify for a line of credit to help you make it through your problems. You have the financial freedom to buy things like boats, cars, and more. You also have a better interest rate on your line of credit.Through our credit repair tutorials you will find that the first thing you need to do to take a step toward free credit repair is to get a copy of each of your credit reports. There are three primary credit reporting agencies. These companies are Equifax, TransUnion, and Experian. You are entitled to one free report from each of these agencies a year. You should compare the three reports and write down all of your debts that appear to be damaging to your credit.When you begin your credit score repair the quickest way to get started is to highlight all of the small amounts that you can afford to pay. If you have any amounts that are less than $100 on your report then you should pay them immediately. These look the worst on your credit. If you think you can repair your credit on your own then you can. You should start with the smaller amounts first. You should call one creditor at a time. Call each of the creditors and ask them for the payoff amount. Most creditors who show negative on your credit will be happy to get anything. Most of your creditors will accept a deal to pay 60% of the debt owed rather than the full amount. If they accept a deal with you then you should have this agreement faxed to you. You should also demand a receipt for payment and attach to the agreement.Once you pay on a debt on your credit report it may take up to 60 days to reflect on your credit report as being paid. Keep in mind that although you pay a debt off on your report, it will remain on your report.If you need credit repair help because your debt and bills seem too overwhelming for you to handle then you can find many places that offer free credit repair. You should be cautious about people you use to help you repair your credit because there are a lot of fraudsters out there who will make promises they cannot keep.
The most important thing is that companies who offer to repair bad credit for free should never charge you for anything up front. They might offer services that do have fees in addition to repairing your credit. These fees might include the cost of copies being made and other things. However, you should not agree to any fees if a company tries to charge you for repairing your credit.Another thing people forget is that when they go in to ‘restore my credit’ businesses they might hear that debts can be erased from a credit report. Many people who are dishonestly trying to provide services to people with bad credit will make promises like this. No one can erase negative information. The only type of information that can be removed from a credit report is information that is incorrect. If there is a debt on your credit report that is not valid and that you do not owe then this is the only thing that can be erased. Information that is accurate will remain on your credit report for 7 years from the date the debt is recorded. A bankruptcy will also remain on your credit report for ten years. If you had bills like credit cards and you fell behind on them for a month or two and then caught back up on them, this too will reflect on your credit report. Falling behind on your bills can remain on your credit report for up to seven years, even if you have been caught up for a year.A credit repair company helps many people with bad credit report repair issues. Most of the companies will sit down with you and total all of your debts. They will offer you consolidation services to help you pay back your debts. Consolidation of your debts is often the best solution if you are paying a bill here and a bill there. It is easy to lose track of which bill to pay this month or next month and a credit repair company can help you get back on track financially.A credit repair company will use credit repair software to help you organize your debts. You will work with a consultant who will go over all of your bills and your current income. It is important to remember that your most important bills are the bills of necessity for living. These are your rent, electricity, water, trash, and food. Any other bills you are used to paying will be set aside with your debt and not listed as living expenses.The company will also help you look at your spending habits. You might be used to shopping online or eating out at a restaurant every day during the work week. Your spending habits will be assessed and stopped. You can save a lot of money by taking lunch to work with you or by going home for lunch instead of eating out.Once the company has assessed your bills, your income, and your spending habits they will figure out how much additional income you can afford for a monthly payment toward your debt each month. The great thing about this is that when a company consolidates your debt for you, then you make only one monthly payment toward your debt. The company will disburse your monthly payment among your creditors accordingly.If there are things on your credit report that are not accurate the company will help you prepare a credit repair letter to the reporting agencies to dispute things on your credit. They will help you every step of the way work toward getting your credit back on track.When you make a decision for bad credit report repair and to go with a company then you will receive a detailed written contract. By law, if you go through a company that is for profit, nonprofit, banks, credit unions, and creditors, you are allowed three days to back out of the written agreement. They must give you a full explanation of all of your legal rights. In addition, they cannot demand any form of payment until all promises have been kept by the company. If the company is demanding money up front then you should go with a company who is not in it for the money. Remember, there are many nonprofit governmental agencies designed to help people get their credit back on track.There are many things you should be aware of when you are thinking about credit repair. If you receive an email about credit repair then you should be leery. Be sure to research the company and confirm they can really help you. Most emails sent out about credit repair are commonly fraudulent and dishonest. Just remember never to pay any money up front for your credit help.
Another thing you should keep in mind is that some fraudulent companies tell consumers that they can help them create a second credit file. They might offer a new social security or tax identification number. Not only does this promise not work but it is considered illegal. The term for a promise like this is called ‘file segregation’. No one can give you a new social security number but the Social Security Administration office. There are very rare instances of new numbers being given out in situations of witness protection programs with the government, and serious cases of an identity being stolen. Remember that what you feel to be serious and what they consider serious are very different. There are also thousands of identity thefts that occur on a daily basis. This also has caused the Social Security Administration to consider these issues even less today. If a credit repair company makes a promise to you that sounds too good to be true then it probably is.Many people say “I want to restore my own credit.” You can. The first thing you should do if you have credit problems is get counseling. You can call your local Consumer Credit Counseling Service (CCCS). They can give you advice on how you can build your credit record back to something acceptable. They can also help you find an agency that can help you if they cannot and you can trust the information you receive from them. The CCCS can help you make payment plans with bills you have fallen behind on. The services offered through the CCCS are usually free but if they do charge you then they are at a very low cost. If you need to find the nearest CCCS office so you can get started on your credit repair, then you can call toll-free 1-800-388-2227.When you make a decision to repair your bad credit you are taking the first step toward your financial freedom. You can repair your credit on your own or you can seek credit counseling from a credit repair firm. This is usually the best option for people who are upside down in their bills and the phone will not stop ringing from creditors. A company can help you prioritize your monthly bills. They can also give you the benefit of one easy monthly payment that will be applied to all of your debts. You won’t have to worry about your creditors anymore because they will take care of everything for you.When you repair your bad credit then you can have the financial freedom to have credit extended to you for those things you really want or that house you have been working so hard to qualify for. Don’t let your bad credit be a detriment to your financial freedom with poor interest rates and denials anymore. You can get back on track with a positive credit score.

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