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A payday loan is there to help you get paid ahead of your pay check. The bad side to this is that you will be paying fees and interest so you'll really be getting less money than your actually pay check. All you need to get a payday loan is a bank account, a Social Security number, proof of ID such as a passport or driver's license, and a pay stub to prove that your check will be coming in soon. You can even apply for some of these online, but you should be aware. Many of these online companies are scams and not real payday loan companies. If you want to get real debt relief you should try another solution other than a payday loan. Investing in your future by trying to get out of debt is a great idea for anytime. Holding off until your paycheck comes is the best idea, but sometimes you may need some help. You should just be wary because your personal identification information may not be safe if you get a payday loan. You cant trust these loan sharks to keep your ID secure and you don't know where your information could end up if you try using a payday loan.

You can start to repair your credit and get out debt in a more legit manner than with a payday loan. You may want to look for a trusted debt consolidation resource to help you get out of debt. There are many qualified credit counselors who can help you to get out of debt and repair your credit. The good ones won't rip you off and will help you to get your life back in order. They can also give you tips on how to get your budget back on track so you don't get in debt again. Many of them will help you to figure you the best option for you.

If you already have credit card debt then you'll want to try not to buy anything on credit unless it's an emergency. You should to apply for a 0% APR card to transfer some of your debt to, this is a great way to help with your debt. You might need to see what the APR becomes after the introductory rate is over, but if you are lucky and can pay off your debt in 6 months you'll be getting a free loan during that time period. If you ever see any strange charges on your card then be aware that no one has access to your card and that everything is in order with your credit cards. There are many ways that thieves can access your account and your best bet is to watch your credit cards carefully. If you have traveled abroad recently and gotten in a little debt from that, you may also want to check your cards. Sometimes in other countries it is easier to steal credit card information or debt card information.