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WebJun 6, 2014 · Re: Illegal Payday Loan on Credit Report. I would file a complaint with the CFPB and describe what you have told us. They will give you an idea on that whole matter. Kind of a gray matter when dealing with these. Starting Score: 504. July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013. Goal Score: All Scores 760+, … WebJul 6, 2024 · Having payday loans in your credit file can be perceived differently by different lenders. Make your repayments on time. Any negative impact on your credit score is likely minimal and short-lived. ... Find out the difference between a credit score and a credit report, plus the factors that can push your score up and down. 10 ways to … WebThey can impact your credit. Payday loans don't appear on credit reports when in good standing. But if you can't pay your payday loan and the account goes into collections, it could wind up on your credit report and hurt your credit scores. Alternatives to Payday Loans. In desperate times, payday loans may seem like your best option. cinderella story free movies