3 · Account facts
Recent payroll deposits
Select Three or more Two only, nothing missing or opted out Two only, one missing or opted out for a low amount Fewer than two
Payroll today?
Select No payroll today Yes, amount included in updated available balance Yes, amount not included
EODs from recent payrolls that cover the finance fee
Select Two or more One None
EODs from recent payrolls over $0
Select Two or more One None
Open loans (newly credited, still open)
Merchants with a missing payment (no payment at all)
High-risk transactions
Select None Only GTG-acceptable legal ones Only whitelisted HRT names GHLLC shown in a transaction description (even with a whitelisted name) Others present (bankruptcy, collections, debt relief…)
Negative lending history
Select None NSF/TCA/Returned Item, then a recent successful payment to that merchant Stop payment toward a lending company Other unresolved bad behavior