Clarity Services, Inc.
Clarity Services, Inc. is a FCRA and GLBA compliant real-time credit reporting bureau used by alternative financial service providers.
If you’ve ever used an online payday lender or taken out a short-term installment loan, you may have a record in Clarity’s database. Lenders may use this information when considering future loan applications.
If you’ve been denied a loan by a company that uses Clarity, you can contact Clarity to request a free copy of the consumer report given to the lender.
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Internet Crime Complaint Center (IC3)
If you feel you’ve been defrauded by an illegal online payday loan site or are being harassed by a payday loan telephone collection scam, you can file a complaint at the Internet Crime Complaint Center (IC3).
The IC3 was established as a partnership between the Federal Bureau of Investigation (FBI) and the National White Collar Crime Center (NW3C) to receive Internet-related criminal complaints and refer them to the appropriate federal, state, local, or international law enforcement and/or regulatory agencies for investigation.
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U.S. Trustee Program Approved Credit Counseling Agencies
The United States Trustee Program is the component of the Department of Justice responsible for overseeing the administration of bankruptcy cases and private trustees.
The U.S. Trustee Program has a list of approved credit counseling agencies pursuant to 11 U.S.C. § 111 (PDF File).
These agencies are nonprofit budget and credit counseling agencies approved to provide counseling that individuals must take before they are eligible to file for bankruptcy protection, 11 U.S.C. § 109(h)…
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MicroBilt Corporation/ CL Verify
As of September 1st, 2010, MicroBilt Corporation is the new home of CL Verify (formerly a subsidiary of DP Bureau).
CL Verify is a real time credit bureau used by many payday lenders.
If you’ve ever taken out a payday loan, chances are you have a record in the CL Verify database…
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American Association of Debt Management Organizations
American Association of Debt Management Organizations (AADMO) members include consumer credit counseling agencies, debt management organizations, credit counselors, personal finance educators, credit and debt information educators, credit counselors and consumer lawyers.
Note: AADMO members include both Non-Profit and For-Profit Debt Management Organizations.
If expensive credit card payments or consumer loan fees are eating up a large part of your paycheck, AADMO members can give you an opportunity to pay your bills while getting the breathing room from your creditors to establish a sustainable budget…
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National Foundation for Credit Counseling
National Foundation for Credit Counseling (NFCC) member agencies offer Consumer Credit Counseling Services (CCCS) to help consumers achieve financial stability. Member agencies are all nonprofit and community-based.
If payday loans have put you on the debt treadmill, NFCC members can provide financial education and counseling to help you manage your debt…
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American Financial Solutions
American Financial Solutions (AFS) is a non-profit credit counseling agency that offers confidential budget counseling, debt management assistance and financial education.
If you find it difficult to pay off unsecured debt such as credit cards or payday loans, AFS can assist you in making informed decisions about managing your debt…
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Credit Counselling Canada
If you are visiting our site from Canada (eight percent of our visitors do) and have found yourself on the debt treadmill (a common payday loan pitfall), Credit Counselling Canada (CCC) can help you find a credit counsellor in your area. Credit counsellors can explain your options regarding negotiated payment plans with creditors…
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Arkansas Federal Credit Union
Arkansas Federal Credit Union (AFCU) offers military members an excellent payday loan alternative in the form of Military Checking Account Overdraft Privilege…
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Center for Responsible Lending
The Center for Responsible Lending is a nonprofit organization opposed to “abusive financial practices” including payday loans, mortgage lending, overdraft loans (bounced check protection), car title loans, credit card abuses, refund anticipation loans and mandatory arbitration …
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