I was lied about the way they check your credit when applying for a payday loan. They stated that they do a soft credit check and it will not affect your credit. This is not the case, they do a hard credit check and if that's not bad enough, since that is the only payday loan company that I've ever seen even do a credit check for payday loans, four months down the road even if you have had loans with them and paid on time they pull another credit check this time it dropped my score 30 points! They didn't even ask me to do another credit check! Unauthorized random Strikes on your credit, from a place that is supposed to be all about rebuilding your credit is a disgrace. When management was confronted about this they changed there story that I was informed that a hard credit check would be done, and as for the random credit check they said I was informed of that to. Who in there right mind would agree to all these credit checks for a payday loan when you can go to any other payday loan company and get one without a credit check. read more