FINANCE
What Lenders See Without a Credit Check
The data they analyze instead of your FICO score.
Your Bank Statement Is the Real Score
Lenders scan your income and spending patterns to assess risk. But one specific flag triggers an immediate denial.
The Automatic Rejection Flag
Multiple recent overdrafts or concurrent short-term loans signal high risk, pushing effective APRs above 300%.
Compare Safer Loan Alternatives
The full report details lower-cost options and the primary red flags of predatory lenders.
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