Although Payday One advises they do not check credit, when I looked at my denial they had checked with Transunion, plus they checked with bureaus I had never heard of, ie., Teletrack and DP Bureau. I looked them up and they are listed as bona fide credit bureaus, but do not go in-depth as much as the 3 major bureaus. In addition, DP Bureau is located in Singapore! The federal government changed the law a few years ago giving us the right to view and correct our credit report which contains the 3 credit bureaus, but nothing has been published about these two other credit bureaus. I searched the FTC and they do not have anything. I did place a complaint at the FTC regarding these 2 additional credit bureaus, which do have an impact on our credit.