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Nearly every standardized loan from a bank has attached to it the phrase that we all dread: the credit check. Perhaps what has you worried is the possibility that your potential lender may notice a late payment you made a few years ago, bringing down the chance of getting a loan. Credit checks themselves can even turn up on your future credit reports, hurting your chances of securing a line of credit once again in the future. Other people simply can’t take the time to go through the credit check process that is indeed time consuming, because they need money urgently.

Whatever the issue is, you can get a loan right now despite having some or all of these worries, and here’s how:

Know your circumstances

First things first, you must understand your financial standing through and through. The financial conduct authorities do claim that lenders are obligated to do all they can to ensure that a loan will at the least not worsen the financial standing of a client. However, instead of an official credit check, some lenders decide to take a lighter approach by simply trying to understand where you are financially in a general sense, not putting much emphasis on the specifics. So your priority should then be on knowing your own history, and being able to explain all of the details of it it to your lender with confidence. This will give you a fighting chance at convincing your lender that you are suitable to take on further debt.

Some lenders focus on people that have bad credit. You can obtain a bad credit loan with no credit check but the loan amount is usually small. These small loans a generally short term and are good for emergency situations rather than a major purchase.

Avoid extended waits

It’s no secret that a credit check is a time consuming hassle. Depending on what information is gathered, this time can range between a few hours to a few days. When time is something you are short of, serious delays like this can make the entire process not even worth the money or effort. So if you do have a way of showing a lender just how urgent the situation is, use it. Many short-term and long-term lenders do tend to wave the thorough credit check for some clients if they can show evidence of urgency.

Avoid the record of a credit check

One of the universally most frustrating things about applying for loans is the fact that credit checks may worsen your credit score. A mark is left on your score each time you do have a check, and lenders can see this. If done too often, lenders will believe that there may be issues in your financial history, in effect lowering your score. Thus, it pays to find a lender that won’t conduct an official credit check for these purposes. Many do understand how some people simply cannot afford to have their credit score fall anymore.

Keep a credit file

Credit reports are an essential way to keep your financial life in check. Lenders, landlords and even employers will want to see your score at times to assess your background. When seeking a credit check free loan, you should at the least come equipped with your own credit file. This will demonstrate professionalism and competency.

So, feeling slightly better when I rolled out at 6:00 this morning, I decided I’d better wash the damn car. The other day while we were at choir practice – god, was it only last Wednesday? no, I think it was a week ago Wednesday…but couldn’t be because two weeks ago I was too sick to drive…I’ve come unstuck in time! – a sudden windstorm blew up. It not only exploded a blast of dust into the air, it also spat just enough rain to cover every car in the parking lot with mud.

What a mess.

I’ve not felt well enough to deal with that, so used the windshield wiper squirter thing to clear the glass enough to see part of the road. And in the meanwhile have been driving around in a car literally coated in mud.

Tomorrow I have to take the vehicle to Chuck’s so he can perform whatever regular maintenance has to be done after six months. And…uhm…well…I do not want Chuck to know that I would let a “new” car languish under a layer of filth, driving around in public like that.

So first crack out of the barrel, before breakfast and (especially) before the sun could climb high enough to shine on the paint, the car went out in the driveway to be soaped up and rinsed down and dried off.

This job used up the entire store of microfiber rags remaining after the last housecleaning adventure. A giant wad of dirty microfiber rags has been sitting by the washer waiting to be laundered, so between those and the ones I used to swab off the car, I pretty much maxed the Speed Queen.

Yesterday I went to clean the debris off the floor of the pool, where it had settled after having been blown in there on said wind. The lazy person’s way to do this is to let the pump run for a day (or two or three or…) without benefit of Harvey the Hayward Pool Cleaner. This will push the litter into a neat pile along the north side of the pool. Then you can use a leaf bonnet – a gadget that attaches to the end of a hose – to suck up the chunky stuff. Harvey will then vacuum the dust off the bottom.

Junk out…no clogs in the pool equipment. Voilá!

Unfortunately, a pool bonnet comes with a stupid little bag that you’re supposed to cinch on with a piece of string…a highly inefficient way of doing things. About half the time, the string slips loose about when you’ve filled up the bag with half a bushel of debris. It then falls off the gadget and dumps the leaves and twigs and dead worms back into the pool, scattering them all over the bottom.

Naturally this happened yesterday.

It dawned on me, in my fury, that there really is no reason to use the flimsy bonnet baggy thing that comes with the product.

Duh! If a piece of hosiery works as a strainer basket filter, why wouldn’t it work as a “bonnet” on that thing? Cut of off the legs and tie the stumps at the crotch. Then slide the waistband, which is pretty tight elastic, over the top of the leaf bonnet. For good measure, tie it down with a piece of string.

Damned if it didn’t work! Using a pair of hose for a fat lady (I need a “queen size” in L’Eggs), I could almost make the DIY sweeper bonnet stay on by virtue of its built-in elastic. I suspect a pair of hose made for a 12-year-old wouldn’t even have to be tied on.

So…later this week: a trip to the Dollar Store in search of cheapie hose.

I broke or wore out the Sandisk memory card thing for the camera, which will not communicate with the MacBook without it. So had to make a Costco run to buy another. At first I thought it didn’t work, but lo! It surely does.

It’s a beautiful morning, cool and a little overcast. My poor under-exercised dogs have been loafing on the front patio, craving a doggy-walk, which they’re not gonna get, because I just heard from two of my journal editors, and so must pretend to get to work.

 

Wow. Watch this. Keep on watchin’…more drama to come tomorrow.

I sincerely hope this embed code succeeds in embedding his evening’s Rachel Maddow show. EVERY American needs to see it.

Today is “Switch Sunday” down at the local house of worship. The proprietors like to dedicate one 11 a.m. hour  a month to a full-blown High Church service, complete with incense, bells, and  the professional Chamber Choir pulling out the stops. We amateur singers, then, are asked to accompany the more avant-garde (relatively) 8 a.m. service.

Though I think this is a neat thing to do and, of course, since I volunteered to sing with this choir will naturally show up…erkl! In the Pore Pore Pitiful Me Department, I could do without having to arise at the crack of dawn and start banging around.

Which is silly, because I’m usually awake by 5:30 a.m.

Awake. But not banging.

The hours between 7 and about 9 or 10 a.m. are my most productive, and so I could justify my whinginess by pointing out that work goes on  seven days a week and another 30,000 words are sitting on my computer waiting to be edited.

But really. You can’t knock off ONE morning?

🙂

Just now I’m waiting for this coconut oil stuff I got from Costco to soak into my hair. We’re told you can use the stuff much as you would use olive oil: as a magical-mystery poultice to revive your dried-out split ends.

We shall see.

If I must go around smelling like a culinary product, I guess I’d rather smell like coconut than olive oil. Both are pretty distinctive. Coconut at least smells kinda sweet.

Which would you rather be: a walking salad bowl or a walking Mounds bar?

The neighbors across the street, speaking of working on Sunday, have hired a backhoe and are out there stripping off the decrepit desert landscaping they inherited. That house has always been a bit on the sad side; at least its exterior has.

It was run down when I moved in, but discreetly so. Then a jerk bought it, turned it into a rental, and moved to New York. That’s when we got Queer John and his roommate. I always enjoyed QJ: crazy as a loon, but sweetly crazy.

QJ got pursued to ground by the cops, who somehow convinced themselves that it took the occupants of three squad cars, a paddy wagon, and two motorcycles to bring the little fellow down. Cops scare easily, apparently…

After QJ disappeared, the house was occupied, probably as a rental, by some very weird people. Eventually they moved out and the Bug Guy and his woman moved in. They were a very nice couple: quiet and harmless and apparently not given to behavior that attracted the attention of the policia.

None of these occupants did anything to improve the landscaping. Somebody, presumably the landlord, hired a lawn service to beat back the weeds, but that was it.

Now at last the house is owned by a family — an actual family, with kids and all! — and they’re starting to fix the place up, a little at a time.

It looks like they’re about to do the yard! Hallelujah, brothers and sisters!

Some of the young people are putting in lawns. I can’t afford a lawn — apparently most of the old guard can’t, either, because the ’hood looks like Sun City with all the gravel on the ground.

But wait’ll they see the bills! I took out the lawns when my water bill got to be higher than the summer electric bill…and that didn’t even count the cost of having somebody come and mow it.

With a young  man in the house, though, I suppose you don’t have to hire a lawn dude (not until he gets sick of mowing, I suppose, or until the boy children get past their teenage years…). And no doubt when you have two salaries coming in, you can afford to dump treated city water on the ground. Me, I have a moral objection to both issues: treating groundwater and surface water until an infant can drink it, only to pour it onto the dirt; and paying a stupid amount of cash every month for the privilege.

Well, the hair has been soaking for the past half hour or so. Supposedly I can now wash the gunk out (assuming it will wash out…it has the consistency of candle wax), and we shall see if it indeed leaves you with fine, flowing, unfrizzy locks.

And so, away…

Okay, so last Friday I enjoyed several Epic Fails . Ranking high among them: After I attached the new CRP V5000 call blocker, first call that came in was from my son, who blocks Caller ID so that what I see is “unknown name, unknown number.”

Naturally, I punch BLOCK CALL on the fancy new CRP V5000 Call Blocker. And before i put the phone headset down, i think o.h. s.h.!.t.

Call the kid back, ask him to call me. Yes. His number — his unknown number — is now blocked. The instructions for the little machine, which are highly minimalist in nature, do not explain how to unblock an unknown number.

Sh!t Hell and Damn. So I unplug the nifty little machine and endure the usual six to ten nuisance calls per day, starting at 7:00 a.m., on Saturday and Sunday.

This morning I call the CRP V5000 maker’s customer service line and…get this! A HUMAN BEING ANSWERS!

Holy mackerel. I haven’t encountered an actual living being on the other end of a customer service number in as long as I can remember.

When I recover from my swoon, I describe the issue. It takes the gent about 20 seconds to explain, in words intelligible to elderly female PhDs, how to fix it. Forthwith, M’hijito’s phone number (which, it develops, is visible from within the gadget — so much for your caller ID over-ride, Young Dude!) is unblocked.

So the device is now plugged in (again) and recruited for service. It’s after 3:00 p.m., and I haven’t received one (1) nuisance call since the little guy was reconnected.

Within a few days, we will know whether this interesting doodad works. How can I say how much I hope it does work!

I’m not replacing the endless voicemail/advertising message until we see whether the V5000 cuts the number of pest messages. But I have drafted a nice, brief outgoing voicemail with which to replace the yakathon (robocalls automatically hang up after about 30 or 40 seconds of recorded jabber…but then, so do potential new clients). Along about the middle of the week, with any luck, that will go online.