Valentine’s Day already!
I’ve been considering looking into one of those payday loans so that I can buy my wife a very pretty diamond necklace and earring set that she’s been mooning over from the local jewelry store. I hate to borrow any money for anything, in this tight economy, but she has made a lot of sacrifices for me over the past few years, and I’d like to surprise her with something special for Valentine’s Day. It was on a Valentine’s Day that I proposed to her!
I have to admit that one of the reasons that these kinds of loans are tempting is that so many of them don’t require any credit check. Recently I heard that having too many credit checks on your record can actually hurt your credit rating! I had just got a copy of my credit report and saw that all of my creditors ran a fresh inquiry on my credit last month, and I found that disconcerting. And a lot of employers are doing credit checks now too! I don’t know how or why it is any employer’s business what my credit rating is! So if I can get a loan without any credit check, I think that might be a good idea.