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This just what you can do to fund the lender. When you get paid, go using the credit union and place (or open an account) your cashed check money into the account. Then turn about fill out the loan paperwork and have your funds back in your soul hands. Now, just repeat all over again these steps with several credit unions. My credit report shows these accounts as 'paid as agreed'. Notion could it show. I am make any payments, therefore there's not a chance to be 30 (or more) days late.