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Impact on Your Credit Score — We do not currently report loan activity to any of the three major credit bureaus Equifax, Experian or TransUnion. The New York Times. Have an issue with a financial product? None of the fees shown are assessed by MetaBank or the Card Association. One payday lender in the state instead gets their customers to write checks dated for the day the loan is given. Please remember that our loans should only be used for short-term financial needs and are not appropriate for long-term borrowing.