At www.ineedcashnow.net we are committed to a culture of responsible lending. This involves abiding by consumer protection laws and regulations making sure that all of our customers are fully informed about the important details of our loan products. When you speak to any of our professional loan officers, you’ll have the opportunity to ask questions and learn about how our loans work. Additionally, here are some more resources and general information about credit scores that people often ask.
We encourage you to take the FREE Credit Scores and Reports course on the California Department of Business Oversight website. It covers topics regarding credit scores and credit reports provided by consumer reporting agencies such as: the value of establishing a credit score; ways to establish a credit score; ways to improve a credit score; factors that impact a credit score; and ways to check one’s credit score. (https://dboca.everfi-next.net/student/dashboard/dbo/money-basics/4?locale=en#credit-scores-and-reports)
- How can I get a free copy of my credit report? You're entitled to one free copy of your credit report every 12 months from each of the three nationwide credit reporting companies. Order online from annualcreditreport.com, the only authorized website for free credit reports, or call 1-877-322-8228. You will need to provide your name, address, social security number, and date of birth to verify your identity. (https://www.ftc.gov/faq/consumer-protection/get-my-free-credit-report)
- How do I dispute an error on my credit report? To dispute an error on your credit report, contact both the credit reporting company and the company that provided the information. Click here to be directed to consumerfinance.gov for more information. (https://www.consumerfinance.gov/ask-cfpb/how-do-i-dispute-an-error-on-my-credit-report-en-314/)
- The California Financial Literacy Portal provides information, news and resources to help Californians make informed financial decisions and achieve their financial goals. (https://www.calflp.org/)
- DBO Financial Education Center. The Department of Business Oversight’s Office of Education and Outreach is committed to providing consumers with helpful information on a variety of financial topics. Their short and interactive learning experiences will prepare you with the right skills to manage your financial future. (https://dboca.everfi-next.net/welcome/dbo).