I want to make sure I get my FAQs right. thanks for any info.
admin at http:\\cashadvanceratings.com

More than likely all these payday loan companies are "owned" by the same person.

As to your question, it will effect your credit rating if you do not
pay the loan back.  Payday loan companies that loan money to people
over the internet do NOT have any way to verify that you are who you
say you are.  So, payday loan companies pool their data with
verification companies.  These verification companies report back to
the payday loan company (with a credit score) as to whether or not you
have had a loan somewhere else and did not pay it back or did pay it
back.

Teletrack is the name of one of the verification companies.  There are others.

My suggestion is to Google "Payday loans".  Use one that is a
Sponsored link (it will be on the right hand side).  If they are a
Sponsored link that means that Google has a relationship with them. 
If there have been any problems, customers would contact Google and
Google would stop listing them.

Why do you want to be really careful?  Because you will be giving them
your S.S number plus checking account info. (to transfer the loan
money into and take the money out of when the loan comes due)  So,
lets say somebody decide to open a website that does payday loans.....
and they do NOT plan on giving payday loans.... they just want your
info....  I think you get the point.

By using a sponsored link I don't believe that would be a problem.

Suggestion on using a payday loan:

Borrow the money from mom or dad.  If that is not possible then:

Pay the loan off each pay period.  Do not do rollovers or extensions.
(think of it this way, which is cheaper -- to pay off a $360.00 loan
or pay $60.00 to do an extension...  ) If you need to reborrow then do
it when you really need the money.  By doing it this way you can save
7 to 10 days worth of fees.

Borrow only once, do NOT go and borrow from other companies. The fees
will crush you.  I seen it happen more than a few times.  Now you
might be asking why the fees are so high -- have you ever loaned money
to a friend and not got it back.  Well, that is the reason.

IF you have any other questions just ask.

Just4fun2

ok I should clarify loan will be payed back on time.
would like to know if just applying for cash advance loan with affect
my credit rating.

Thanks again admin @ http://cashadvanceratings.com
this is for my FAQ's

It could, how?  Each time you fill out an application a request MAY be
made to one of these low level credit reporting companies.  It will
not effect the big 3 credit report companies.  The cost is to high
with the big 3.  It cost about .50 cents to check someone out at the
low level reporting companies.

confusing...the link you supplied said no credit check is needed, so
why would it affect your credit if you pay it on time?