 TITLE: What Is a Payday Loan and How Does It Work? CONTENT: Know Your Options\n-----------------\nPayday loans can provide borrowers with short-term cash when they need it, but they're not the only option available. If you need cash, make sure to consider all of your options before opting for one that could make your life more difficult.\nAnd if you have bad credit, be sure to check your credit score and report to determine which areas need your attention. In some cases, there could be erroneous information that could boost your credit score if removed. Whatever you do, consider ways you can improve your credit score so that you'll have better and more affordable borrowing options in the future.\n* * *\n**Want to instantly increase your credit score?** Experian Boost™ helps by giving you credit for the utility and mobile phone bills you're already paying. Until now, those payments did not positively impact your score.\nThis service is completely free and can boost your credit scores fast by using your own positive payment history. It can also help those with poor or limited credit situations. Other services such as credit repair may cost you up to thousands and only help remove inaccuracies from your credit report. END