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Credit Score Impacts: Short term, payday loan lenders may rely on any of the three (3) major rating agencies – Equifax, Experian, or Transunion. Generally, the borrower doesnt have to bear concern that their score may be affected by having the loan request determined by results from these agencies, however, such determination is solely in the discretion of the payday loan lender(s), which may result in the lender(s) submitting, among other things, the borrowers request for the loan, or the subsequent payment(s) under the loan to any of these agencies. Short term lenders may also rely on their own scoring criteria, which is generally based on income and ability to repay, as well as the borrowers payment history of any previous payday loans that have been made with the lender in question, or with other payday lenders. [link widoczny dla zalogowanych] State sponsored student loans are often provided by private lenders who have been certified by the state as preferred lending organizations for students and their families. These are not, strictly speaking, guaranteed loans. State preferred lending organizations may offer more attractive loan agreements, including lower interest rates, loan deferments and student friendly repayment schedules, but they are not guaranteed or underwritten by the state. As with any private lender loan, students should research all state sponsored loans carefully, and should fully understand all of their responsibilities as a borrower before agreeing to any loan.
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