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Whatever your immediate financial needs are, we want to help. If you have more questions about how our service works, read through the most frequently asked questions below.

When you submit your online inquiry to Rapid Loans, we will forward it to a group of lenders who are willing to process loans for consumers with various credit backgrounds. While it might be complicated or impossible for you to get a fast loan at your local bank, online lenders are much more flexible. Send in your form now to get quick answers.

Lenders have to evaluate their risk before approving loan requests. It stands to reason that if a person has a bad credit score, then the lender will take on more risk. Lenders are mostly concerned about being repaid according to the contract. They will make sure their interests are covered when they send you an offer to sign. Keep in mind that the better your credit score is, the more favorable loan terms you can achieve.

Lenders use a credit evaluation system called FICO. They punch in numbers such as your past payment history and how much money you owe. In return, FICO will spit out a number that is referred to as your credit score. If your score is less than 620, it is seen as a bad credit score.

Your poor credit rating might be a cause of sending in late payments or being over extended with current debt. In order to achieve a better score, you can take immediate steps. The first step would be to begin establishing a better payment record. Always send in your payments on time. Secondly, try to whittle down the amount of money you owe by paying off debts. These two steps are enough to begin repairing your credit score. Going forward, be diligent with your payments to maintain your credit rating.

There are professionals who can help people with their finances. Look for an individual or financial organization that has good customer reviews. When you find someone you feel that you can confide in, let that person give you tips to manage your finances better and improve a better track record. Besides managing your money, they can help you make a plan to reduce your debt and improve your credit score.

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