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They may or may not have the ability to pay the cash back. There are decent individuals that have every intention of repaying a loan but their lives are too chaotic or their job situation is too erratic for them to keep up with payments.

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When you put a individual in a situation where they know they can prove their wages but they know they will fail any sort of credit search, they resort to the internet and searches on Yahoo for no credit search loans.

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When you apply for car insurance or other finance related product, these companies can do a status check on an individual which is a search to their credit file. This is not however recorded as an application for credit.

A financial institution may have a legal requirement to know exactly who you are before they send you funds.
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