Finding a bad credit loan can be very difficult and to make matters worse, lenders are not consistent on what credit score is considered bad credit. Each lender selects what credit score their company chooses to be the start of their bad credit loan offering.
We receive requests from so many consumers looking for bad credit loan advice and where to apply with credit scores ranging from 300 to under 580. Consumers are struggling to find loan products and are being given confusing information from the marketplace.
In the FICO graph below from 2015, 21.9% of America had a credit score ranging from 300 to 599. This represents millions of Americans with bad credit that are looking for help with their current debt situation. Many lenders consider all credit scores below 650 to be bad credit and that adds an additional 10.3% of the population into the category of bad credit. This is a whopping 32.2% of American people unable to find a loan.
Advertising a Bad Credit Loan Product
When a lender advertises a bad credit loan offering, consumers go to the lender's site and apply for an unsecured personal loan or secured loan, not realizing that by doing so, it could further damage their credit score and make their financing position even worse. Applying for many lenders can further hurt your chances of finding a loan.
Does the Credit Score formula treat all credit inquiries the same?
MyFICO response: No. Research has indicated that FICO Scores are more predictive when they treat loans that commonly involve rate-shopping, such as mortgage, auto, and student loans differently. For these types of loans, FICO Scores ignore inquiries made in the 30 days before scoring. So, if you find a loan within 30 days, the inquiries won't affect your scores while you're rate shopping. Also, FICO Scores look on your credit report for rate-shopping inquiries older than 30 days. If your FICO Scores find some, your scores will consider inquiries that fall in a typical shopping period as just one inquiry. For FICO Scores calculated from older versions of the scoring formula, this shopping period is any 14-day span. For FICO Scores calculated from the newest versions of the scoring formula, this shopping period is any 45-day span.
Personal and Bad Credit Loan Inquiries
When you apply for a personal loan and bad credit loan, it does harm your credit score. We suggest applying with lenders like the application below provided on America loan Service. You will Access Over 100 Lenders With One Application. Look for lenders that identify on their site that "this application will not harm your credit score."
The America Loan Service online request form connects consumers to hundreds of personal loan lenders at one time with rates starting at 5.99%. The service is designed to connect consumers based on lender credit criteria.
The process is very simple:
- Fill out the short form; it is safe and secure
- See if you are approved in real time from a large network of lenders
- Check your bank account to see if the money arrived as early as the next business day if you are approved
- Loan Amounts: $1000 to $35,000
- Credit Score: 580+
- APR: See ALS Detailed Review for up to date APR information
- Terms: 3 to 36 months
- Fees: Vary by the lender
The lenders will review your request quickly to determine whether your information meets the lender's loan qualification criteria. You will receive notice within a few minutes if there is a lender interested in discussing a loan. Loans are normally funded within 1-5 business days depending on the lender and if they have all information required to fund.
If a lender is satisfied with all of the information with your request and has decided to offer you a loan, you will be directed to the lender's website. At this point, you will leave America Loan Service, and we recommend that you review the terms and conditions of the lender. Take your time to go through all of the information from the loan provider. We recommend that you ask every question to be sure you fully understand the loan. The lender should explain the following information:
- Loan amount offered
- Finance charge and fees
- Annual percentage rate (APR)
- Loan term
- Payment schedule
Hard or Soft Inquiry on your Credit Score
When you apply, most lenders start with a soft pull, and it will not harm your credit score. If you have been applying to many places for a long period to get a loan, we would recommend that you stop as it will make your situation even worse and could further damage your credit score. When you complete an application on a lender's site, the site should tell you if they are pulling your credit history. In most cases, the lender will inform you that they can provide you a rate without damaging your credit score. This is a soft inquiry. If you want to proceed and have them move to get you the loan, the lender will complete a hard inquiry, and this will affect your credit.
Here is a quick guide to see what the Fico score rating looks like and one method lenders use to determine if they can lend money:
|Excellent Credit Score||750+|
|Good Credit Score||700 to 749|
|Fair Credit Score||650 to 699|
|Poor Credit Score||590 to 649|
|Bad Credit Score||Less than 590|
The Bad Credit Loan Squeeze
When debt is used correctly, a loan can be the right financial tool to get your finances back in order. While another loan will not solve your problems, it can get you out of traps like high-interest payday loans, credit cards minimum payments and help take the pressure off. Many people that have payday loans are living paycheck to paycheck and get stuck not having quite enough to get by each month. They are looking for a way to get the gorilla off their back.
We want to get you off on the right track searching for a bad credit loan and applying for a loan knowing what credit score will be accepted before you apply.
Once you're in the position of having bad credit, you will be very limited on the amount of money that you can borrow and the length of the loan will become very short. You should expect to pay a minimum of 25% to over 1500% for a payday loan. These extreme APR's are seen with Payday loans where they charge excessive fees on small amounts borrowed. If you take a payday loan and pay it back immediately with your next paycheck, no problem. Ths issue starts when you are unable to pay off the payday loan and then the penalties and fees start to kick in. Many people cannot get out of this cycle. We recommend that you do not take a bad credit loan or payday loan unless you have budgeted for the monthly payment as the term offered can be very short, and penalties are very expensive. Most bad credit loan providers will not exceed a $5,000.00 loan limit with a credit score lower than 580. A few companies specialize in installment loans designed for high-risk borrowers trying to get out of payday loans. OppLoans is offering loans up to $5,000 for exactly this reason.
What is the Minimum Credit Score that the Lender will Accept?
We have searched through many lenders websites to find the credit score that they will accept. This can be very difficult when many of the bad credit lenders are not publishing what credit score that is required to apply. If you have found a lender where you may want to apply but cannot find their published rate, the lenders may have a chat field or a phone number where you can contact them and ask the question of credit score requirements.
Why are the Lenders Not Publishing a Credit Score Requirement?
Many of the bad credit lenders are working with hundreds of other lenders that are willing to take on some lending risk, and they are represented by one agency. When you apply and have a 400 to 590 credit score, they send out your application to these companies.
This group of lenders will include interest rate offers ranging from 6% to 1500% depending on your credit score and credit history. Many of these lenders will consider a small amount of risk with someone that has a slight blemish on their credit history to providers that will consider lending to people with collections and repossessions on their credit history.
Applying for a Loan with Outstanding Collections or Repossessions on Your Credit History
Are you searching for a loan when the bank has just repossessed and towed your vehicle away, and you are searching for a loan to repay them? Or you have credit cards that have gone to collections and wanted a loan to pay off the collections company. We want to save you some time with sending loan applications.
- Don't waste your time applying for a new loan without a co-signer or some form of security. You will be very frustrated, and if you are offered anything, it will be terrible interest fees.
- Contact the collections company and settle.
- If you disagree with the amount owing to the lender or collections company, contact Lexington Law and dispute the claim. Make sure this is removed from your credit report.
- If you are about to be in the position of collections or repossession, go to your lender and negotiate terms immediately before they pass your file to collections.
- This collections information will hit your credit score for years. Try to find the money before it goes this far.
Co-signing and Secured Loan offers
Rates starting as low as 4.99% APR to 29.99% APR
- No collateral required and No prepayment penalties
- Qualified Applicants:
- Loan amounts between $10K - $35K
- Origination fee range from 0% to 5%
- Earn a minimum of $30,000/year
- Debt to income ratio is less than 40%
- All states except CO, CT, HI, KS, ME, NH, NY, ND, OR, RI, VT, WI, WV, WY
- Loan Amounts: $2000 to $25,000
- Credit Score: 590+
- APR: See LendingPoint Detailed Review for up to date APR information
- Terms: 2 to 5 years
- Fees: Origination fees range from 0 to 6%
- Check this out Minnesota
- The company specializes in fair credit loans starting at 590+.
- Soft Pull only to start
- Was established in 2014 offering personal loans throughout America. The company is based in Kennesaw Georgia and has an A+ rating with the BBB.
Secured Loan Options
If you're in a position to use the equity from your home or other assets, you may receive a better interest rate with a secured loan. Here are a couple of service providers if you are using your home or auto for security.
- Home Equity Line of Credit
- Home Equity Loan Offers Online
- New and Used Auto Purchase, Lease Buyout and Vehicle Refinance
Credit Card Options
Credit cards companies are providing secured, balance transfer, bad credit, prepaid and no credit, credit cards that may help rebuild your credit score. Here are a few options to consider.
- No Credit History
- Build Credit
- Bad Credit (Below 599)
- Looking for a secured credit card to help rebuild your credit?
- Looking for a Balance Transfer credit card?
- Looking for a pre-paid credit card to help rebuild your credit?
Loan Providers Offering Bad Credit Loans
America Loan Service has a group of lenders that will take applications with credit scores starting at 500. To qualify with a credit score of 500, you will need a full-time job with a stable work history. If you do apply, some of the lenders do not use the Fico scoring system while others will. If you are successful, they will send you an offer with the terms of the loan, and you can accept or decline at this time. Your current job and credit score will determine the type of offer you will receive.
America Loan Service has searched the market for lenders that offer bad credit loans. Our goal is to provide you with the following information:
1/ Credit Score required to apply
2/ Interest rate range or average
3/ Origination or Administration Fees
4/ Information about the companies <f/p>
When you apply for a loan with bad credit, expect the interest rates to be extremely high with few people qualifying. If your credit score is below 580, your best bet is to work at paying down your existing debt and acquiring cash only credit card to improve your credit score position. Start paying for everything with cash and stay away from borrowing more money. There are debt relief options down this page that can also be an option. We provided a link to check your credit score for free and additional information on managing your credit score.
Loans from $500. to $5,000.
Estimated APR: rates starting at 5.99% Actual amount offered will be determined by your credit score
Every day, badcreditloans.com helps people secure the loans they need, even with less than perfect credit.
Basic eligibility requirements :
- Be an American citizen or permanent resident over the age of 18
- Have a working email account
- Have a checking account where funds can be deposited
We highly recommend that you do not apply for a payday loan. These loans are usually under $500.00 and designed to be repaid on your next paycheck. The problem is that most people that are applying for a payday loan cannot afford to pay the loan off with their next paycheck.
You do not want to Start the Payday Cycle of Hell in your Life.
Payday loan operators gain access directly into your bank account when you sign up, and they will withdraw money from your account every month until you repay this loan. They assess penalties when you do not pay in full.
We advertise companies like Blue Trust with very high-interest rates from 471.7846% to 841.4532% and Opploans offering installment loan with high-interest rates from 99% to 199% for one reason only, to help consumers get out of payday loans. We believe that Opploans and Blue Trust have high-interest rates, but if either of them will sign you up to get out of a payday loan, it’s a way out. We have consumers contacting us with $1,000.00 in payday loans, and they are paying over 1,000% interest. They have accumulated 4 or 5 payday loans and are now unable to survive. Their option is bankruptcy over a $1000 loan.
With these loans on their credit report, consumers cannot find a loan anywhere. Consumers are requesting to go into bankruptcy with under $5,000. of debt just to get out from under a payday loan.
How Large is the Payday Loan Trap?
The best and easiest way to explain this is to compare it to the number of McDonald's restaurants in the USA. Payday loan operators outnumber McDonald's in the states where they are allowed to operate in some cases five to one. Alabama state has 210 McDonald restaurants and 1177 payday loan operators. We've attached a link below showing the breakdown for every state that allows payday loan operators.
Applying does not affect your credit score!
States Offering OppLoans
OppLoans offers installment loans in 26 states and a line of credit in 3 states
|Arizona||Illinois||Mississippi||Ohio||Utah||*Line of Credit|
Auto Title Loans
An auto title loan is secured loans offered by companies that take your vehicle as collateral. They offer you a short-term loan using your car to back the loan. The amount of the loan will depend on the value of your car.
The auto title loan providers do not care about your credit score; they want your car for the amount of money they just provided you. The interest rate on these loans can be over 100%, and we've had consumers tell us horror stories of rates over 600%.
What does this mean to you? If you borrow $1,000, you will be required to repay over $2,000.00, or they will take your car.
Car title loans are illegal in over 23 states.
Refinance Auto Loan
Here is information on a loan provider group that will help you with refinancing your vehicle. They will assess the value of your car and see if they can provide you a loan.
National Debt Relief Requirements:
National Debt Relief provides debt settlement services. If you are in this position and have applied with a lot of lenders, have creditors calling you and have nowhere else to go, you may want to consider speaking with a debt counselor at National Debt Relief.
- No credit requirements
- Minimum $10,000 in debt
- The best option for debt relief, bankruptcy assistance, and debt consolidation
- Bad credit friendly; will help regardless of your credit score
- Offers debt settlement services
- Avoid bankruptcy by settling debts
- Offers free debt relief quotes with savings estimates
- No fees upfront, transparent payment structure
- Not available in CT, GA, KS, ME, NH, SC, OR, VT or WV
Being deep in debt is very stressful. Trying to keep up your minimum payments can have an adverse effect on your health. There is an old saying that stress kills, and we believe that it is true. We want to talk about two of the ways to get out of debt; debt consolidation and credit counseling.
The good news about drowning in debt
The three most common of these are called credit counseling, debt consolidation, and bankruptcy debt relief.
The pros and cons of credit counseling
You may have seen television ads or heard radio commercials about a service called consumer credit counseling. This is where you find a credit-counseling agency to help you with your debts using a debt management plan. Most of these agencies are nonprofits and offer their services free. Why are they free? It's because creditor companies such as banks and credit card companies underwrite their costs. They've learned that it's better for them to help you manage your debts than see you declare bankruptcy.
The upside of credit counseling
There are some good things about credit counseling. Your credit counselor will work with you to develop a payment plan and then negotiate with your creditors to have them to accept it. You will probably have five years to pay off your debt and all your unsecured debts will be consolidated into one monthly payment. This program is commonly called a debt management plan or DMP.
Unfortunately, there are some negatives to consumer credit counseling. One of the largest of these is that not all creditors subscribe to the program. Some of the larger banks such as Bank of America may not be in the program, which means you would still have to deal with them separately.
Your credit score can be affected
Credit counseling will adversely affect your credit score. Without going into all the technical details, the problem is that all your debts will be handled by the credit counseling service, which is third-party. Your credit cards will be closed, which means the amount of your available credit will go to zero. The credit reporting bureaus use this as a major part in computing your credit score, so it will have a negative effect on it.
Your monthly payment may not be reduced
Finally, the consolidated payment you will be making to the credit counseling service will be very similar to the total of your current minimum monthly payments. What I mean by this is that if the total of the minimum monthly payments on your debts is $1,500, your consolidated monthly payment is likely to be at least $1,500 or even slightly more. This means that if your objective is to reduce your monthly payments, credit counseling will not help you achieve it.
Why debt settlement might be better
Debt consolidation using debt settlement can be a better alternative than credit counseling because it can be used to actually reduce your debts. The way it works is that the debt settlement company negotiates a settlement with your creditors, usually for a fraction of what you owe. Instead of paying your creditors you send the money to the debt settlement company, which puts it in a trust in your name. The largest percentage of this money is eventually used to pay your creditors–based on the settlement that was negotiated for you–while a small percentage is retained by the debt settlement company as compensation for its services.
Get out of debt faster
It might take you as long as five years to become debt-free using a consumer credit counseling service. However, you should be able to get debt-free in as few as 24 to 48 months using debt settlement.
You pay nothing up front
You do have to be careful about choosing a debt settlement company, as there are some scam artists out there. You could send money to one of them for months and then discover that they were just keeping it and not paying your creditors. If debt settlement appeals to you, be sure to do your homework and choose a company that’s both reliable and ethical. For example, National Debt Relief is part of the BBB. It charges nothing up front. In fact, you pay nothing until you approve the payment plan it negotiates for you. Its fees are then taken out of the money you’ve deposited in your trust account.
The one negative of debt settlement
There is one negative to debt settlement and that is that it will have an effect on your credit score. You just can't stop making payments on your debts for 5 to 6 months without it negatively impacting your credit report. However, it will not have as serious an effect as filing for bankruptcy, which can stay on your credit report for as long as seven to 10 years. In fact, you can recover from settling your debts relatively quickly.
Debt settlement is not for everyone
Even though National Debt Relief is a debt settlement company, we will be one of the first ones to tell you that negotiating and settling with your creditors may not be the best choice for everyone. Not everyone has the financial resources to save up for the eventual settlements. Not everyone wants to hurt their credit score in any way even though the future benefits outweigh the short-term costs.
- Provides debt settlement, negotiation, and debt consolidation services
- Minimum debt of $5,000
- Curadebt is not a lender but can help you get out of debt through renegotiation and restructuring
- Provides free debt relief quotes with no sign-up requirements
- Debt consolidation means only one, lower monthly payment instead of several high-interest payments on other debts
- Can help clients with fair credit and above
If you are having a challenge paying back credit cards, lines of credit, other unsecured debts, or taxes owed, you're likely looking for a solution for your debts. When the amount owed gets to the point of seeming hopeless to pay off, or the IRS or state tax authorities are coming after you for amounts that you may not have even known you owed, it creates a lot of stress.
Emotions build up, one can lose sleep, relationships suffer, and other areas of one's life can be negatively affected; The great news is that your situation can be solved with proper debt relief help;If you're tired of paying minimum payments and realizing that it's going to take ten, twenty or more years to resolve your debts, if you are already delinquent and tired of getting calls from creditors to collect the debt from you, or if you need a solution to pay back the lowest legal amount of taxes, then you need to take action with a debt relief program as quickly as possible.
Many people are frozen from taking action because they are scared of what could possibly happen. However, life can be a lot easier and you can have a lot more peace of mind. Worrying about paying the bills, being able to pay off your debt and paying for necessities like food, transportation, and education, can be a thing of the past. Don't let the stress of debt get in the way of your being able to live life.
CuraDebt has been helping people and small businesses resolve their debt issues since 2000, and they understand that things happen in life. The debt could have accumulated because you experienced a reduction in income, a divorce, medical issues, or that a credit card company encouraged you to spend and spend.
There could be many other reasons for having it. Whatever it is, they state that they understand and are here to help. Even if you've spent a lot and maxed out your credit cards, the blame is not entirely on you. Ultimately, credit card companies make it very easy for people to get into debt, yet make it very challenging for them to pay it off.
The fact is that the credit card companies are very happy when you pay the minimum payment and a lot of interest each month. That's how they make most of their money. Now that you know that there is a solution, the situation is not entirely your fault, and credit card companies want people to be in debt, the next step is to take action.
There are debt relief programs available that are designed to help free up money on a monthly basis and help you pay off your debts in a fraction of the time that it would take paying just the minimum payments. There are also tax debt relief programs that utilize the tax laws based on your financial situation to pay back the least amount of tax legally owed.
These programs do not involve bankruptcy. They give you flexibility and don't have the negative effect of having to answer for the rest of your life when asked if you've filed bankruptcy.
How to Improve Your Credit Score
Improving your credit score will get you out issues we have discussed above. Your credit score is a lifetime of work and should be treated as such. America Loan Service has provided a list of items to work on that will get you an excellent credit score over time.
Apply For Your First Credit Card at 18 Years of Age
We can apply for our first credit card when at 18 years of age. Some credit card companies will provide your first card with a $1,000 limit and interest rate ranging from 19 to 25%. Other credit card companies offer cash secured cards where you place cash into the account and spend the money more like a cash debit card. Either card will help you start the process of establishing credit. Once you receive this card, we recommend that you set up a minimum payment withdrawal with the credit card company to make sure you never miss a payment.
Use 30% of the Credit Card Limit
Try to keep your credit card balance at 30% of the limit being offered by the credit card company. If the credit card company thinks you are living off credit, it will hurt your credit rating. Having this money available and not using it will boost your credit score. Why? It shows that you can have available credit and not need it.
Check Your Credit Report
Credit reports are managed by three credit report Bureaus: Equifax, Transunion, and Experian. You have the option of checking your credit report as often as you want and checking your report does not affect your credit score. Check out this video on receiving a free credit report.
Credit reports assist lenders in deciding to extend credit, provide a loan and determine the interest rate that will be charged. Employers, banks, insurers and rental property owners may also look at your credit history.
Free credit report annually.
Get some help and repair your credit. Direction on how to repair your credit score.
We have heard from many consumers that they had issues with their credit report and were having difficulty getting the vendors to reverse the problem and remove the information from their credit report. This can be very frustrating given that your current credit card rate and future interest rate charges will be based on your credit score. We were pleased to find Lexington Law and a company that specializes in this problem.
Lexington Law is a consumer advocacy law firm and a trusted leader in the credit repair industry. They have helped hundreds of thousands of Americans work to improve their credit by working to ensure that client credit reports are fair, accurate and substantiated. For a number of years, Lexington Law Firm has led the credit repair industry. Unmatched in credit repair knowledge, technology, and regulatory compliance, we stand alone at the top of the field. Lexington Law Firm has led the charge to bring ethical and effective credit repair services to consumers. We have assisted more clients in their fight for fair credit than any other credit repair company or firm.
Our credit score is the financial community's way of determining the risk they are taking. It determines how much interest will be paid on every item we purchase. We have provided you with information to help you improve or maintain your credit score and keep interest money in your bank account.
Your credit report will contain the following information:
- A record of any Company or organization that has pulled your credit report
- Your personal identification
- Employment information
- All information on public record including judgment, whether you have been sued, arrested, bankruptcies and any file that has been sent to collections
- Payment history for any account that reports to the credit bureaus. This will include credit card companies, banks and utility companies
Checking your credit report on a regular basis will ensure that your personal and financial information is being reported properly. If you find errors in your credit report or fraudulent activity, contact the credit bureaus and correct the errors. Click this link for a complete breakdown of the steps to take to contact the credit providers and change any errors.
Pay Bills on Time
This may sound like an easy one and while it might not explicitly increase your credit score, keeping on top of your monthly payments does prevent your score from going down any further. So before you do any extra spending, pay those bills to make sure you’re not hurting your credit.
Pay Down Your Credit Cards
Credit bureaus analyze how much available credit you have versus how much debt you carry. Even if you are not in a position to pay off the credit card, pay the bill on time and pay down some of the principal on every payment.
Consolidate Credit Card Balances
The credit bureaus also watch how many credit cards you own and the balances that you carry on each card. Pay off the smallest card so that you have fewer debts to focus on. Over time, consolidate your debt onto one card. Keep the credit card with the best interest rate and the debt in the 30% range as discussed above.
Keep Loan Requests to a Minimum
Every time you complete a hard pull loan application, it is registered on your credit score. The credit managers see you looking for money and this can indicate risk. Once you complete a loan application, it is called a hard pull with the credit bureau. It looks like you just tried to take out a loan or were refused. This inquiry will stay on your credit report for approximately two years and can cause a dip in your credit score.
Ask for estimates from lenders before applying for a loan or credit card to limit the number of inquiries or pulls on your credit history. When making a major purchase like a car loan or mortgage, complete all of your applications in a short period of time so they are counted as one inquiry for one purchase.
Planning a budget can give you peace of mind and help you set goals in how you will get out of debt and stay out. This budget calculator is an excellent tool for getting your finances back on track. You can download this to your computer at home and keep it updated.
There are no overnight fixes in getting your credit history repaired. Consistency is the key to the success or failure of your credit history.
With bad credit, there is no guaranteed approval. Whether you're looking for $1,000 or $50k, lenders look at too many factors for there to be certainty.
To get your approval odds as close as possible to "guaranteed" you can do these four things:
- Filter lenders, and only apply at the ones that match your credit profile. If none of the match, don't apply!
- Apply only if your credit score is 5-10 points higher than the minimum
- If you have accounts in collections, don't apply. Virtually no lender will finance you if you have accounts actively in collections.
- "Build your credit score first, then apply. Handling collections, getting your accounts current, and making bills on time for a few months will have a huge impact on your credit score and your stress level. Think about a guaranteed bad credit loan loan as being a process, rather than a product. Step 1, build credit, step 2, get a good credit loan.
- States Allowing Car Title Loans - States Allowing Car Title Loans investopedia.com acquired may 2018
- Payday Loan State Information - Payday Loan State Information paydayloan.org acquired may 2018
- What Makes up my Fico Score - What Makes up my Fico Score myfico.com acquired May 2018
- Length of credit history is 15% of your credit score - "Length of credit history (15%)" of your credit score: myFico acquired may 5, 2018
- Car Title Loan Information - Car Title Loan Information consumer.ftc.gov acquired may 2018
- What is a Payday Loan - What is a Payday loan consumerfinance Acquired May 2108
- USA.gov site: Dealing with Debt - USA.gov site: Dealing with Debt
- The National Foundation for Credit Counselling - The National Foundation for Credit Counselling
- “Payday and Car Title Lenders Drain $8 Billion in Fees Every Year” Center for Responsible Lending. Acquired May 8, 2018 - “Payday and Car Title Lenders Drain $8 Billion in Fees Every Year” Center for Responsible Lending
- “Driven to Disaster: Car-Title Lending and Its Impact on Consumers” CFA Acquired May 8, 2018 - Driven to Disaster: Car-Title Lending and Its Impact on Consumers: CFA
- Free Credit Report - Free Credit Report consumer.ftc.gov acquired may 2018
- Effect of a Hard Inquiry on your Credit Score MyFICO - Effect of a Hard Inquiry on your Credit Score MyFICO acquired July 2018