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Credit Scores and Reports

Credit Scores and Reports

This course is made available by the California Department of Business Oversight (DBO), and covers the following topics:

  • 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.

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The Value of a Credit Score

The Value of a Credit Score

This video is made available by the Federal Trade Commission (FTC), and covers the following topics:

  • The value of establishing a credit score.
  • Ways to obtain a free copy of your credit report.
  • Ways to dispute an error in your credit report.

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Checking My Credit Score

Checking My Credit Score

This article was published by the Consumer Financial Protection Bureau (CFPB), and covers the following topics:

  • Ways to check your credit score.
  • Ways to obtain a free copy of your credit report.

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All loans will be serviced by LoanMart. See State Disclosures for additional information.

1Loan approval is subject to meeting the lenders credit criteria, which may include providing acceptable property as collateral. Actual loan amount, term, and Annual Percentage Rate of the loan that a consumer qualifies for may vary by consumer. Loan proceeds are intended primarily for personal, family and household purposes. Minimum loan amounts vary by state. Consumers need to demonstrate ability to repay the loan.

2Based on consumers who received a loan from LoanMart from February 2002 to October 2018.

3Application processes could take five (5) minutes to complete. Upon completion, a conditional approval may be given pending review of documentation. Funding time is based on the time from final approval following receipt and review of all required documents and signing, prior to 2PM PST on a business day.

4To exercise the right to rescind, the consumer(s) must notify the lender in writing by midnight on the third calendar day from obtaining the loan. Within one business day from notice of rescission, the consumer(s) must return any monies received and fees paid on behalf of the consumer(s) by certified funds.

5Lenders recommend and encourage consumers to pay early and often and more in order to avoid additional finance charges.

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