Lenders use your credit score to determine if youre a good or bad risk for a loan. Credit scores range from 300 to 850. The higher the number, the better your score, and the easier it is to get approved for loans.
Many lenders consider consumers with scores of 620 or lower to be a bad credit risk. If you have a bad credit score, or have not borrowed before, Spotloan can help you get money fast. No collateral is required.
Only you can decide if a Spotloan is right for you. Banks, credit cards, or even friends and family may be able to offer you better loan terms. We encourage you to check with them before you apply for a Spotloan.
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Credit limits range from 250 to 1500. After your line of credit is set up, you have the option to draw any amount greater than 100, in increments of 5 up to the credit limit, as long as: you make your scheduled payments; and your outstanding balance does not exceed your approved credit limit. Minimum payments are calculated based on the outstanding balance owed, plus applicable fees and interest. As long as you continue to make on-time and complete payments, you will remain in good standing and be able to continue using your line of credit account.
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I did this on the first week of December 2014. I was promised a statement letter saying that I was released from the debt but it is the end of January 2015 and have not yet received it.
I have called three times, most recently on the 20th of January. That was on Tuesday. It is now Saturday the 24th and still no letter.
This company has been in contact with me about an old debt which I had thought had been paid. I agreed to make payments once it was verified that the debt was valid. The collection agency, Progressive Financial Services, stated that after 3 monthly payments, I would be on a reduced interest payment plan. This was stated on several different dates.