PaydaySOS.com does not make credit decisions nor does PaydaySOS.com conduct a credit inquiry on consumers. Some lenders on the PaydaySOS.com network may conduct a non-traditional credit check in order to determine your eligibility for a loan. Lenders typically do not conduct a credit inquiry with the three major credit bureaus: Transunion, Experian, or Equifax. Ultimately, your credit score may or may not be affected by the actions of a particular lender. If you do not repay your loan on time your lender may report this delinquency to one or more credit bureaus, which could have a negative impact on your credit score. We encourage consumers with credit problems to consult a Credit Counseling company.
PaydaySOS.com is not a lender and PaydaySOS.com does not engage in debt collection practices. Your lenders’ collection practices will be disclosed to you in the loan documents. If you are unsure of the collection practices used by a specific lender we recommend that you discuss this issue with your lender directly. PaydaySOS.com makes reasonable efforts to only work with established, reputable lenders who pursue collections of past due accounts with fair conduct.