Payday loans only appear if you default. Both our Personal Loans and Blue Copper Club Lines of Credit get reported. This is a huge bonus and a customer can see a credit score increase of 100 to 150 points just by repaying on time.  Factors that influence credit score are:

  -Payment History 35% of the score

  -Utilization 30% of the score

  -Length of Credit History 15% of the score

 -Type of Credit Products 10% of the score

 -Inquiry Segment 10% of the score