Thank you for your message.

The verification process takes up to 24 hours, but usually just a few hours or less. Once verification is complete, we will move to Step 2, which is accepting and signing the Agreement. The time frame will be in your hands at that point and can happen as fast as 1-2 business days. Once that is completed, personal loans can usually be funded within a day or two, sometimes the same day. Lines of credit may take longer. Funds issued by the lenders are usually issued directly into your bank account or by check and the first payment is usually due 30 days after funds are received. You would provide bank account information directly to the lenders, not to us. Monthly payments would be sent directly to the lenders and they will report your monthly payments to the credit bureaus. Direct debit from your account can also be set up. There are no pre-payment penalties on personal loans.

The approval amount is guaranteed subject to the agreement. The $9.95 is not paid to us, it is paid to a third-party verification service. They do not do a credit check. They verify the information you provided to us as well as your identity.

IF YOU WISH TO ACCEPT THIS OFFER, YOU WILL NEED TO GET VERIFIED.

You will also need to provide a copy of acceptable photo ID (driver’s license, passport or official non-driver state ID).

After verification is completed, you will receive a verification number. Forward it to us and you will be provided with the Agreement to finalize your request.

For a sample agreement, please click here.

That’s It!

Please click the following link to get verified now:

https://competitivecredit.com/verificationregistration/

Sincerely, William Flores, ConsumerEZcredit